Union Bank Of India Bhiwandi IFSC Code
Union Bank Of India
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Bhiwandi
District
Bhiwandi
State
Maharashtra
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Other Union Bank Of India Branches in Bhiwandi
4 nearby branches — click to view IFSC
Fi Kawadkhurd (at Kawad Khurd Post Angaon B - 4656)
At Kawad Khurd Post Angaon Biwandi Bhiwandi Pincode 421302
Bhiwandi (vishnu Complexcollage Road D - 6183)
Laxmi Vishnu Complexcollage Road Dhamankar Naka
Val (shop No S S1 S2 S3 And A1 Gr - 0041)
Shop No S S1 S2 S3 And A1 Ground Floor Kud Business Avenue Parasnath Complex 421302
Bhiwandi (kalyan Bhiwandi Road - 0784)
Vardaan Plazatemghar Pipe Line Kalyan Bhiwandi Road
Frequently Asked Questions
About Union Bank Of India Bhiwandi (sai Krupa - 2045), Bhiwandi
The IFSC code UBIN0532045 (lowercase: ubin0532045) belongs to Union Bank Of India, specifically the Bhiwandi (sai Krupa - 2045) branch located in Bhiwandi, Maharashtra.
The 5th character in the IFSC code UBIN0532045 is a zero (0), not the letter 'O'. The correct format is UBIN0532045 (lowercase: ubin0532045), and not UBINO532045. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Union Bank Of India Bhiwandi (sai Krupa - 2045) in Bhiwandi, Maharashtra is UBIN0532045. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Union Bank Of India Bhiwandi (sai Krupa - 2045) is located at Sai Krupa, Parbhu Ali,bhiwandi, Dist. - Thane,pin - 421 302., Bhiwandi, Maharashtra. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of Union Bank Of India Bhiwandi (sai Krupa - 2045) is 400026079. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code UBIN0532045 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 UBIN0532045 by checking: (1) The top-left corner of any Union Bank Of India Bhiwandi (sai Krupa - 2045) 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: UBIN0532045
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
UBIN0532045
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 — 532045
- The final 6 characters 532045 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 | 532045 | 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
Bhiwandi (sai Krupa - 2045), Bhiwandi, Maharashtra
Cheque No.
00532045
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 | UBIN0532045 | 400026079 |
| 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.