Union Bank of India PANAYIKKULAM IFSC Code: UBIN0930407
ERNAKULAM, KOCHI, KERALA • MICR: UBIN09304
How to find IFSC Code UBIN0930407 branch for PANAYIKKULAM?
It is critical to find and verify the correct IFSC code UBIN0930407 for the PANAYIKKULAM branch of Union Bank of India before initiating any electronic fund transfer such as NEFT, RTGS, or IMPS. Indian commercial banks verify the 11-digit IFSC code along with the beneficiary account number, branch details, and account holder name. Any mismatch in the code can result in delayed settlements or failed transactions.
How to verify UBIN0930407 IFSC Code?
The best and simplest place to verify the UBIN0930407 IFSC code for PANAYIKKULAM branch is on your official bank cheque book or account passbook. By Reserve Bank of India (RBI) regulations, all scheduled banks print the 11-character IFSC code on the top left or top center of every cheque leaf and on the first page of your savings/current account passbook.
UBIN0930407 is the unique IFSC Code assigned to the PANAYIKKULAM branch of Union Bank of India. This code is used for fast and secure inter-bank funds transfers across India. The physical location of the PANAYIKKULAM branch is MANDAYAPURATH BUILDING, located in the KOCHI district of KERALA state (Center/City: ERNAKULAM).
IFSC Code Structure for Union Bank of India
Every Indian Financial System Code (IFSC) contains exactly 11 alphanumeric characters divided into 3 standardized segments:
Online Fund Transfer Options using IFSC UBIN0930407
You can transfer funds to any account in Union Bank of India PANAYIKKULAM branch using the following Reserve Bank of India electronic payment mechanisms:
| Transfer Mode | Settlement Speed | Minimum Transfer | Maximum Limit | Availability |
|---|---|---|---|---|
| NEFT (National Electronic Funds Transfer) | Batches settled every 30 minutes | ₹1 (No minimum limit) | No upper ceiling (Per bank policy) | 24x7x365 |
| RTGS (Real Time Gross Settlement) | Instant, Real-time Gross Settlement | ₹2,00,000 (Two Lakhs) | No upper ceiling for high-value payments | 24x7x365 |
| IMPS (Immediate Payment Service) | Instant within seconds via Mobile/Net Banking | ₹1 | Up to ₹5,00,000 per transaction | 24x7x365 |
| UPI (Unified Payments Interface) | Instant mobile payment via VPA / Account+IFSC | ₹1 | Up to ₹1,00,000 – ₹5,00,000 per day | 24x7x365 |
Frequently Asked Questions (FAQ) • Union Bank of India - PANAYIKKULAM
What is the IFSC code of Union Bank of India PANAYIKKULAM?
The IFSC Code of Union Bank of India PANAYIKKULAM branch is UBIN0930407. It is registered with the Reserve Bank of India for NEFT, RTGS, and IMPS inter-bank electronic clearing.
What is the MICR code of Union Bank of India PANAYIKKULAM?
The MICR code of this branch is UBIN09304. This 9-digit code is printed at the bottom of bank cheques for automated clearing under the Cheque Truncation System (CTS-2010).
What is the address of Union Bank of India PANAYIKKULAM?
The branch is located at MANDAYAPURATH BUILDING, in ERNAKULAM, KOCHI District, KERALA State.
Can I transfer money to this branch on holidays?
Yes. Digital fund transfers via NEFT, RTGS, IMPS, and UPI operate 24 hours a day, 365 days a year, including Sundays, second/fourth Saturdays, and public national holidays.
Fund Transfer Safety Reminder:
Always double-check the recipient's bank account number and branch IFSC code before authorizing transfers on internet banking or mobile apps. Bank IFSC Code Dekho is an independent reference directory and does not conduct or intermediate financial transactions.