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United Bank of India IFSC and MICR Code:

State wise list of United Bank of India IFSC code, MICR code and addresses of all branches in India

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United Bank of India (United Bank) IFSC Code:

Imagine having to make payments through cash or cheque. The uncertainty and anxiety involving the whole process starting from receiving a demand draft from the bank, posting cheques to handling large amounts of cash personally. With the arrival of internet in the world of banking, payment settlements have been simplified. Electronic Fund Transfers have made sending money from one bank account to another bank account, easy, fast and secure. By using these channels of electronic fund transfers – National Electronic Fund Transfer (NEFT) and Real Time Gross Settlement (RTGS), you can exchange funds across accounts, anywhere in the country. Online money transfer allows you to send funds to individuals or organizations in a jiffy.

For you to ensure a smooth transfer of funds electronically, you would need a unique code called as the Indian Financial System Code (IFSC).The Reserve Bank of India allots all the banks that have the electronic fund transfer facility, a code that is the identity of the particular branch of the bank. It is alpha-numeric and is made up of 11 characters. The code can be broken into 3 parts. Out of the 11 characters, the first 4 characters identify the name of the bank, the fifth character is a control character and is always zero (0) and the last 6 characters form the identification of the branch.

The IFSC code of the Gandhinagar branch of United Bank of India in Srinagar, Jammu and Kashmir is UTBI0GNJ733.

  • The first 4 alphabets, ‘UTBI’ is used to identify the bank’s name, in this case – United Bank of India.
  • The 5th character is 0 as explained above.
  • The last set ‘GNJ733’ which is alpha-numeric can be used to identify the Gandhinagar Branch.

How to Locate the IFSC and MICR Codes of United Bank of India (United Bank)?

  • As you would need the IFSC and MICR codes of the bank branch you are transferring money to, you need to know more than one ways to locate the same. The easiest way would be to find the IFSC code printed on your cheque book issued by your bank branch, at the time of a new account opening.
  • RBI’s site has a tab called ‘IFSC/MICR Codes’ located on its homepage, which gives you details of all branches of all banks participating in the NEFT/RTGS network.
  • BankBazaar is a third-party website with a lot of information on all banks that are enabled with electronic fund transfer. It is an easy to browse website where you can find a tab on the bottom left corner, named ‘Bank IFSC Code’. When you click on this tab, you will asked to enter the Bank name, State, District and Branch name of the bank. You can select your choices from drop-down menus or lists given below on the respective pages. IFSC code, MICR code, address and contact number of the bank’s branch is given on entering all details.

By choosing to use NEFT and RTGS at United Bank of India, you can save yourself from all the trouble of transferring money physically. Under the patronage of RBI, United Bank of India offers you a safe and secure website for transferring your funds. Before initiating either NEFT or an RTGS transaction, you should have the following information: recipient’s name, account number, bank name, bank branch name, IFSC of the branch.

NEFT at United Bank of India:

National Electronic Funds Transfer (NEFT) allows nationwide transfer of money from sender to destination account at any time. You can send funds to another person’s account or to a firm or a corporate organization. RBI uses a Deferred Net Settlement basis to process NEFT transactions at banks. This is a process where batch-wise clearance of transactions takes place. The timings are decided by RBI and it is on an hourly basis throughout NEFT business hours.

You can send funds using the NEFT channel from all NEFT enabled bank branches of the United Bank of India on all weekdays starting from 8AM to 7PM and from 8AM to 1PM on Saturdays. United Bank of India charges its customers for outward payments at the following rates:

  • For transactions worth up to Rs.10, 000, there is no charge.
  • For transactions worth between Rs.10, 000 to Rs.1 lakh, Rs.6 is charged.
  • For transactions worth between Rs.1 lakh to Rs.2 lakh, Rs.19 is charged.
  • For transactions going above Rs.2 lakh, Rs.30 is charged.

United Bank of India also allows walk-in customers to enjoy the NEFT facility to send funds to other accounts. They can deposit up to Rs.50, 000 in cash, which can be transferred electronically.

RTGS at United Bank of India:

Real Time Gross Settlement is speedier than NEFT and is more continuous and real time. Using United Bank of India’s RTGS system, you can avail a quicker fund transfer to the desired beneficiary account, anywhere in the country at any time. There is no bunching, i.e. the instructions are not cleared in batches and hence are processed as and when there is an RTGS transaction request. Mainly preferred for transactions involving large amounts and the minimum amount that you can transfer using RTGS is Rs.2 lakh. However, there is no upper cap on RTGS transactions.

RTGS operating hours on weekdays are from 8AM to 4:30PM and 8AM to 2PM on Saturdays.

United Bank of India, formerly known as United Bank of India Ltd., was founded in 1950 and nationalized in 1969. United Bank started with 174 branches when it began and has reached a whopping 1999 number of branches and offices. United Bank is now a leading bank among the states of West Bengal, Assam, Tripura and Manipur. United Bank of India expanded its financial services to Eastern and North-eastern part of the country. With three fully equipped overseas branches in New Delhi, Kolkata and Mumbai, United Bank of India entered the league of fully computerized and equipped branches with electronic fund transfer systems across India.

News Related to United Bank of India
  • United Bank of India launches real time funds transfer option

    United Bank of India has launched its real-time funds transfer facility, IMPS through its branches across the country. Previously, customers could get information on their account balance by giving a missed call; now customers can also get a mini statement of their bank account by giving a missed call on 08010968350. The bank also rolled out its OTP over voice facility wherein a customer can request for a voice OTP while making online transactions. OTP over SMS was and is still available.

    United Bank of India is one of the many nationalized popular banks of the country. The bank has a huge presence and deep rural penetration as a result of a widespread network of branches across all major cities and towns.

    29th June, 2016

  • United e-PassBook from United Bank of India

    United Bank of India (UBI)’s e-PassBook hit the market under the bank’s attempt to go the digital way to make banking an easier and joyful experience for their clientele. Mr. P Srinivas, the CEO and MD of the lender unveiled the ‘ÚnitedePassBook’ in the event, graced by the presence of the Executive Directors, Mr. Sanjay Arya, Ms. K V Rama Moorthy and other high-ranking bank officials. Mr. Srinivas talked of how UBI has always endeavored to deliver diverse technology driven financial products and services to their sizable clientele to augment the simplicity and comfort of day to day banking. This will facilitate the users to see the account activities on their phone without having to call at their branch. You can even see the details of all the electronic money transactions you have conducted via NEFT and/ or RTGS using IFSC Code in this. Download the e-Passbook from Google Play Store. Along with all the features of a usual passbook, you can also add your own remarks to transactions.

    4th February, 2016

  • United Bank Starts Its Own Facebook page

    In a unique move to develop a strong social media presence and also make folks aware of its new and innovative products, the United Bank of India has started its official Facebook page. The bank headquartered in Kolkata has always been popular with the rural and urban customers alike. The page, www.facebook.com/UnitedBankOfIndiaOfficial, will post regular updates on their products, services, new offers, events organized for and by the Bank, competitions, promotions and more, as per the press releases issued by the bank. Giving a speech during the event, the CEO & MD of the bank, Mr. P Srinivas, has highlighted the attempts of the bank to keep up to date with the modern technology and current trends. The way forward is digital banking.

    26th November, 2015

  • United Bank of India Spreads Latest Profit in Share Market

    United Bank of India’s stock rates spiked up 2.69 percent to INR 24.80 on BSE. In the meantime, the S&P BSE Sensex was leading by 14.53 points or 0.05 percent at INR 27,884.89. On BSE, 2.25 lakh stocks were merchandised in the counter hitherto as against average volume per day, which is 79,515 shares in the last one quarter. The shares hit a high of INR 25.30 and a low of INR 24.40 up to now and that of United Bank of India have grown 15.08 percent in three business days. In addition to the aggressive move to expand its branch network (and in turn, the IFSC codes across India), United Bank of India’s positive exploits in the stock markets is definitely signs of good times that are yet to come.

    28th August, 2015

  • United Bank of India Gets a New Executive Director

    United Bank of India has appointed Mr.K.Venkata Rama Moorthy, who was previously the executive director of Bank of Baroda. He is given the charge of post up to January 31, 2019, the date of attaining the age of superannuation or till further instruction, whichever is earlier.

    Currently, United Bank of India offers an array of banking and financial solutions to cater to the needs of the Indians. With the Net Banking feature offered by United Bank of India, customers can perform a lot of operations like viewing account statements and transferring funds by mentioning the IFSC code of the beneficiary bank.

    25th August, 2015

  • RuPay Debit Card Launched by UBI

    The RuPay International chip debit card has been launched by United Bank of India (UBI). The bank has chip based cards, both on VISA and Rupay, according to the release. The card was launched in the presence of United Bank of India’s CEO and MD, Mr. P. Srinivas. The daily withdrawal limit of the new RuPay debit card is 50,000 INR.

    This limit is standardised for ATM transactions, POS and other online purchases. The Bank intends to launch Platinum debit cards to suit the purposes of HNI customers. It plans to add lucrative offers on payments using the card, including access to several airport lounges. United Bank of India offers several banking products and innovative services for its customers and you can find the IFSC codes for UBI on Bankbazaar.com

    15th July 2015

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