Union Bank of India — BHAGWANGARH

BHATINDA, PUNJAB

IFSC Code

UBIN0546461

MICR Code

Not available

Branch

BHAGWANGARH

Bank

Union Bank of India

District

BHAGWANGARH

State

PUNJAB

Contact

248032

Address

AT POST BHAGWANGARH TALUKA TALWANDI SAHIB DIST.BHATINDA PUNJAB PIN 151001

Get Directions to This Branch

Using IFSC UBIN0546461 for money transfers

NEFT (National Electronic Funds Transfer) lets you send money to any account at Union Bank of India's BHAGWANGARH branch from any other bank in India. Transfers are processed in half-hourly batches, so funds usually reach the recipient within a couple of hours, and there's no minimum or maximum amount restriction from RBI's side.

For amounts of ₹2 lakh or more sent to an account at Union Bank of India, BHAGWANGARH, RTGS is usually the better choice over NEFT — each transaction settles on its own in real time instead of waiting in a batch.

IMPS (Immediate Payment Service) is the fastest of the three — funds move to BHAGWANGARH within seconds, any time of day including bank holidays. It's typically capped at ₹5 lakh per transaction depending on your bank's own limits.

NEFT & RTGS Timing — System Hours vs. Branch Hours

A distinction that matters if you're transferring to BHAGWANGARH: the RBI settlement system runs 24x7 for NEFT and RTGS, but that doesn't mean this specific branch is open around the clock. Online transfers process any time; in-person or cash-based requests still depend on the branch actually being open.

MethodSystem HoursIf Visiting BHAGWANGARH In Person
NEFT24x7x365, including weekends and holidays (RBI mandate since 16 Dec 2019)Online/net-banking NEFT processes any time. An in-branch, cash, or cheque-based NEFT request still depends on that branch's working hours.
RTGS24x7x365, including weekends and holidays (RBI mandate since 14 Dec 2020)Minimum transfer amount is ₹2 lakh. Same system-vs-branch-hours distinction as NEFT applies for in-person requests.
IMPS24x7x365 — always has been, no banking-hours restriction at the system level.Typically capped per transaction depending on your bank's own limits (often around ₹5 lakh).

Here's how to send money to BHAGWANGARH using net banking or a UPI app:

  1. Log in to your bank's net banking portal or mobile banking app.
  2. Add a new beneficiary/payee, entering the recipient's full name and account number.
  3. Enter the IFSC code UBIN0546461 when prompted — this routes the transfer to BHAGWANGARH specifically.
  4. Most banks require a short cooling-off period (often a few hours) after adding a new beneficiary before the first transfer.
  5. Once the beneficiary is active, choose NEFT, RTGS, or IMPS based on the amount and how quickly you need it to arrive.
  6. Enter the amount, review the details (name, account number, IFSC), and confirm with your OTP/PIN.

Frequently asked questions

What is the IFSC code of the Union Bank of India BHAGWANGARH branch?

The IFSC code for Union Bank of India's BHAGWANGARH branch in BHATINDA, BHAGWANGARH, PUNJAB is UBIN0546461. This 11-character code is required for NEFT, RTGS, and IMPS transfers to any account held at this branch.

What is the MICR code of this branch?

A MICR code isn't listed for this branch in our records. MICR codes are used specifically for cheque clearing — if you need one, it's best to confirm directly with the branch, since it doesn't affect NEFT/RTGS/IMPS transfers, which only need the IFSC code (UBIN0546461).

Where is the BHAGWANGARH branch of Union Bank of India located?

This branch is located at: AT POST BHAGWANGARH TALUKA TALWANDI SAHIB DIST.BHATINDA PUNJAB PIN 151001. It falls under BHAGWANGARH district, PUNJAB.

Can I use this IFSC code for both NEFT and RTGS transfers?

Yes — the same IFSC code (UBIN0546461) is used for NEFT, RTGS, and IMPS transfers to this branch. Which one you should pick depends on the amount and urgency, not the code itself: RTGS for ₹2 lakh+ needing near-instant settlement, NEFT for regular batch-processed transfers, and IMPS for smaller amounts that need to land in seconds.

Is there a phone number for this branch?

Yes, this branch's listed contact number is 248032.

Union Bank of India in other districts of PUNJAB

LUDHIANA (34)JALANDHAR (27)AMRITSAR (19)MOHALI (9)PATIALA (6)BHATINDA (5)FAZILKA (4)GURDASPUR (4)

IFSC and MICR code data sourced from bank-published branch records. While we take care to keep this current, always confirm the IFSC code with your bank before making a large transfer — see our disclaimer for details.