Union Bank Of India Zuari Nagar IFSC Code
Union Bank Of India
IFSC · Used for NEFT, IMPS & RTGS
MICR · This branch may not process cheques.
Branch
Zuari Nagar
District
Margao
State
Goa
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Frequently Asked Questions
About Union Bank Of India Zuari Nagar (residency Zuari Nagar Goa 40 - 4534), Margao
The IFSC code UBIN0934534 (lowercase: ubin0934534) belongs to Union Bank Of India, specifically the Zuari Nagar (residency Zuari Nagar Goa 40 - 4534) branch located in Margao, Goa.
The 5th character in the IFSC code UBIN0934534 is a zero (0), not the letter 'O'. The correct format is UBIN0934534 (lowercase: ubin0934534), and not UBINO934534. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Union Bank Of India Zuari Nagar (residency Zuari Nagar Goa 40 - 4534) in Margao, Goa is UBIN0934534. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Union Bank Of India Zuari Nagar (residency Zuari Nagar Goa 40 - 4534) is located at Dr Isidoro Carvalho Residency Zuari Nagar Goa 403726, Margao, Goa. You can click the "View on Google Maps" button on this page to get directions.
The MICR code for Union Bank Of India Zuari Nagar (residency Zuari Nagar Goa 40 - 4534) in Margao is printed at the bottom of your cheque leaf. If you cannot locate it, contact your branch directly or check your passbook.
Yes. IFSC code UBIN0934534 is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code UBIN0934534 by checking: (1) The top-left corner of any Union Bank Of India Zuari Nagar (residency Zuari Nagar Goa 40 - 4534) cheque leaf, (2) The first page of your Union Bank Of India passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: UBIN0934534
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
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UBIN0934534
What Each Part Means
- Bank Code — UBIN
- The first 4 characters uniquely identify Union Bank Of India at the national level. Every branch of Union Bank Of India across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — 934534
- The final 6 characters 934534 uniquely identify this specific branch within the Union Bank Of India network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | UBIN | Identifies Union Bank Of India |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 934534 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
Swipe left to view full cheque
Union Bank Of India
Zuari Nagar (residency Zuari Nagar Goa 40 - 4534), Margao, Goa
Cheque No.
00934534
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | UBIN0934534 | Not available |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.