Union Bank Of India Civil Lines Ludhiana IFSC Code
Union Bank Of India
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Civil Lines Ludhiana
District
Ludhiana
State
Punjab
🔍 Search for another branch
Top Financial Tools for Union Bank Of India Customers
Free calculators — no login required
Union Bank Of India Home Loan EMI Calculator
Calculate EMI, total interest & amortisation schedule
Union Bank Of India SIP Calculator
Project wealth from monthly mutual fund investments
Union Bank Of India FD Calculator
Estimate fixed deposit maturity with quarterly compounding
Union Bank Of India Car Loan EMI Calculator
Find your monthly instalment & total loan cost
Other Union Bank Of India Branches in Ludhiana
4 nearby branches — click to view IFSC
Ludhiana Main (cinema Road Kesarganj Chowk - 0905)
Cinema Road, Kesarganj Chowk,dist. Ludhiana, Punjab,pin - 141 008.
Gt Road Ludhiana (g T Road Miller Ganj - 9732)
G.t. Road, Miller Ganj, Ludhiana,dist. Ludhiana, Punjab,pin - 141 003.
Ludhiana Ssi Finance Branch (industrial Area A Cheema - 0132)
Industrial Area A,cheema Chowk, Ludhiana,punjab, Pin - 141 003.
Gill Road Ludhiana (nagar Gill Road Ludhiana Pin - 0795)
B - Xxi, 2475, Janta Nagar,gill Road, Ludhiana,pin - 141 003, Punjab.
Frequently Asked Questions
About Union Bank Of India Civil Lines Ludhiana (hira Singh Road Civil Lines - 4421), Ludhiana
The IFSC code UBIN0554421 (lowercase: ubin0554421) belongs to Union Bank Of India, specifically the Civil Lines Ludhiana (hira Singh Road Civil Lines - 4421) branch located in Ludhiana, Punjab.
The 5th character in the IFSC code UBIN0554421 is a zero (0), not the letter 'O'. The correct format is UBIN0554421 (lowercase: ubin0554421), and not UBINO554421. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Union Bank Of India Civil Lines Ludhiana (hira Singh Road Civil Lines - 4421) in Ludhiana, Punjab is UBIN0554421. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Union Bank Of India Civil Lines Ludhiana (hira Singh Road Civil Lines - 4421) is located at B-xix-353/14, Dr. Hira Singh Road,civil Lines, Ludhiana,punjab - 141 001., Ludhiana, Punjab. 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 Civil Lines Ludhiana (hira Singh Road Civil Lines - 4421) is 141026012. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code UBIN0554421 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 UBIN0554421 by checking: (1) The top-left corner of any Union Bank Of India Civil Lines Ludhiana (hira Singh Road Civil Lines - 4421) 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: UBIN0554421
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
UBIN0554421
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 — 554421
- The final 6 characters 554421 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 | 554421 | 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
Civil Lines Ludhiana (hira Singh Road Civil Lines - 4421), Ludhiana, Punjab
Cheque No.
00554421
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 | UBIN0554421 | 141026012 |
| 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.