Overview of IFSC Code UBIN0578274: The IFSC code UBIN0578274 uniquely identifies the Union Bank Of India branch located at Regional Office Shimla in the Shimla district of Himachal Pradesh. This 11-digit alphanumeric code is mandatory for routing electronic fund transfers like NEFT, RTGS, and IMPS to the correct bank account.

IFSC Code UBIN0578274 - Union Bank Of India Regional Office Shimla

UBIN0578274 Union Bank Of India Shimla Shimla Himachal Pradesh

UNION BANK OF INDIA REGIONAL OFFICE PARVATI COMPLEX BYPASS ROAD NH-22 PANTHAGHATI

View all Union Bank Of India branches
Quick Info

IFSC: UBIN0578274

Pincode: 171208

District: Shimla

Status: Active

About Union Bank Of India Regional Office Shimla

IFSC Code UBIN0578274 belongs to Union Bank Of India Regional Office Shimla branch located in Shimla, Shimla, Himachal Pradesh. This branch serves customers in Shimla, Shimla, Himachal Pradesh and surrounding areas.

Understanding IFSC Code UBIN0578274

The IFSC (Indian Financial System Code) UBIN0578274 is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify this specific bank branch. The code structure follows a specific format:

  • First 4 characters (UBIN): Bank code identifying Union Bank Of India
  • 5th character (0): Reserved for future use (always 0)
  • Last 6 characters (578274): Unique branch identifier for Regional Office Shimla
Electronic Fund Transfer Services

IFSC Code UBIN0578274 is essential for all electronic fund transfers in India. This code ensures that money transfers are routed to the correct bank branch. The following payment systems use IFSC codes:

NEFT (National Electronic Funds Transfer)

Batch processing system for fund transfers. Available Yes at this branch.

Processing: Multiple batches daily, typically settles within 2 hours during banking hours.

RTGS (Real Time Gross Settlement)

Real-time fund transfer for high-value transactions (minimum ₹2 lakh). Available Yes at this branch.

Processing: Real-time settlement, typically within minutes during RTGS hours.

IMPS (Immediate Payment Service)

24/7 instant fund transfer service via mobile or internet banking. Available Yes at this branch.

Processing: Instant transfer, available 24/7 including holidays.

UPI (Unified Payments Interface)

Instant mobile payment system using UPI ID or QR code. Available Yes at this branch.

Processing: Instant transfer, available 24/7, no IFSC code needed for UPI transactions.

Branch Location and Accessibility

The Union Bank Of India Regional Office Shimla branch is located at UNION BANK OF INDIA REGIONAL OFFICE PARVATI COMPLEX BYPASS ROAD NH-22 PANTHAGHATI (Pincode: 171208) in Shimla, Shimla, Himachal Pradesh. This location serves customers in Shimla, Shimla, Himachal Pradesh and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code UBIN0578274 to ensure the transaction is routed correctly.

How to Use IFSC Code UBIN0578274

When making online fund transfers to an account at this branch, you will need:

  1. IFSC Code: UBIN0578274 (for NEFT, RTGS, IMPS)
  2. Account Number: The recipient's account number
  3. Account Holder Name: As registered with the bank
Important: Always verify the IFSC code before initiating any fund transfer. Incorrect IFSC codes can result in failed transactions or funds being sent to the wrong branch. This IFSC code information is verified from official Reserve Bank of India (RBI) records and is updated regularly to ensure accuracy.
Finding Other Union Bank Of India Branches

If you're looking for other Union Bank Of India branches in Shimla, Shimla, Himachal Pradesh or nearby areas, use our Union Bank Of India branch finder. You can search by city, district, or state to find all Union Bank Of India branches with their respective IFSC codes.

Branch Details
IFSC Code: UBIN0578274
Bank Name: Union Bank Of India
Branch Name: Regional Office Shimla
Address: UNION BANK OF INDIA REGIONAL OFFICE PARVATI COMPLEX BYPASS ROAD NH-22 PANTHAGHATI
City: Shimla
District: Shimla
State: Himachal Pradesh
Pincode: 171208
Payment Services Available
NEFT
Available
RTGS
Available
IMPS
Available
UPI
Available
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Union Bank Of India Regional Office Shimla Branch IFSC Code UBIN0578274 — Complete Banking Guide for Shimla, Himachal Pradesh

IFSC code UBIN0578274 belongs to the Regional Office Shimla branch of Union Bank Of India in Shimla, Shimla district, Himachal Pradesh. This 11-character code, assigned by the Reserve Bank of India, is mandatory for all digital fund transfers — NEFT, RTGS, IMPS, and UPI. Every payment initiated to an account at this branch must include IFSC UBIN0578274 to ensure accurate routing through India's centralised payment infrastructure. Providing an incorrect IFSC may delay or fail the transaction, so always verify the code before confirming any transfer.

About Union Bank Of India, Regional Office Shimla Branch

The Regional Office Shimla branch of Union Bank Of India in Shimla, Himachal Pradesh serves retail and corporate customers in Shimla district with a full range of banking products. Services typically include savings and current accounts, fixed and recurring deposits, personal and home loans, vehicle finance, trade finance, locker facilities, and wealth management. The branch also supports digital banking — internet banking, mobile banking, UPI, and contactless debit/credit card issuance. Its IFSC UBIN0578274 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.

Payment Methods Using IFSC UBIN0578274

Four primary digital payment rails use IFSC UBIN0578274 for transfers to Union Bank Of India, Regional Office Shimla: NEFT — batch-based, 48 half-hourly settlements daily, no minimum amount, ideal for regular transfers; RTGS — real-time, 24×7, minimum ₹2 lakh, used for high-value transactions; IMPS — instant, 24×7, up to ₹5 lakh, best for urgent transfers; UPI — uses Virtual Payment Address (VPA) linked to accounts at this branch, instant and zero-cost for most transactions. For each method, the sender's bank verifies IFSC UBIN0578274 against the RBI IFSC master list before processing the payment.

MICR Code and Branch Details

In addition to the IFSC, the Regional Office Shimla branch of Union Bank Of India in Shimla carries a MICR (Magnetic Ink Character Recognition) code — a 9-digit number printed on cheques that identifies the bank, city, and branch for cheque clearing through the MICR-based clearing system. While NEFT/RTGS/IMPS use the IFSC UBIN0578274 exclusively for electronic transfers, MICR remains relevant for paper-based cheque processing. Both codes are listed on this page for complete branch reference.

How to Verify IFSC UBIN0578274 Before Transferring

Before initiating any high-value transfer to IFSC UBIN0578274, verify the code through: (1) the RBI's official IFSC repository at rbi.org.in; (2) Union Bank Of India's official website branch locator; (3) MahaFind's IFSC lookup — the page you are currently viewing. Cross-reference the branch address and bank name displayed here against the details provided by your recipient to confirm accuracy. A mismatch in even one character of the IFSC can reroute your transfer to a different branch entirely.

FAQs — Union Bank Of India Regional Office Shimla, Shimla IFSC

What is the IFSC of Union Bank Of India Regional Office Shimla in Shimla?

The IFSC of Union Bank Of India, Regional Office Shimla branch in Shimla, Himachal Pradesh is UBIN0578274. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.

What is the minimum amount for NEFT to IFSC UBIN0578274?

There is no minimum amount for NEFT transfers. You can send as little as ₹1. RTGS requires a minimum of ₹2 lakh. IMPS supports up to ₹5 lakh per transaction. All three use IFSC UBIN0578274 to route funds to Union Bank Of India, Regional Office Shimla, Shimla.

Who assigns IFSC codes like UBIN0578274?

The Reserve Bank of India (RBI) assigns all IFSC codes in India. Union Bank Of India applied for the IFSC for its Regional Office Shimla branch in Shimla, and RBI issued UBIN0578274 as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.

Can I use IFSC UBIN0578274 for UPI payments?

UPI payments are linked to a Virtual Payment Address (VPA) rather than an IFSC directly, but the underlying account is mapped to IFSC UBIN0578274 at Union Bank Of India, Regional Office Shimla, Shimla. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC UBIN0578274.

About IFSC Code UBIN0578274

IFSC Code UBIN0578274 belongs to Union Bank Of India branch Regional Office Shimla located in Shimla, Shimla, Himachal Pradesh.

Branch Information

  • IFSC Code: UBIN0578274
  • Bank: Union Bank Of India
  • Branch: Regional Office Shimla
  • Address: UNION BANK OF INDIA REGIONAL OFFICE PARVATI COMPLEX BYPASS ROAD NH-22 PANTHAGHATI
  • City: Shimla
  • District: Shimla
  • State: Himachal Pradesh
  • Pincode: 171208

Payment Services

  • NEFT: Available
  • RTGS: Available
  • IMPS: Available
  • UPI: Available
Note: IFSC (Indian Financial System Code) is an 11-character code used to identify bank branches for electronic fund transfers (NEFT, RTGS, IMPS). Always verify the IFSC code before initiating any transaction.

Frequently Asked Questions

IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches for electronic fund transfers. You can find IFSC code using our IFSC code search tool by entering the bank name, branch name, or the IFSC code itself.

To check IFSC code, use our IFSC code search tool. Enter the bank name and branch name, or search by IFSC code directly. You can also find banks near me by searching with your location.

IFSC code format consists of 11 characters: first 4 characters represent the bank name, followed by a zero (0), and the last 6 characters represent the branch code. For example, HDFC0001234 where HDFC is the bank code and 001234 is the branch code.

To find banks near me, use our IFSC finder tool. Enter your city or location, and we will show you all nearby bank branches with their IFSC codes, addresses, and contact details.

IFSC code is used for electronic fund transfers (NEFT, RTGS, IMPS) and is 11 characters long. MICR code is used for cheque processing and is 9 digits long. Both codes uniquely identify a bank branch.

You can verify IFSC code using our check IFSC code tool. Enter the IFSC code, and we will display the complete branch details including bank name, branch name, address, and available payment services (NEFT, RTGS, IMPS, UPI).

Yes, IFSC code is required for all electronic fund transfer methods including NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service). Our tool shows which services are available for each branch.

To get IFSC code by bank name and branch, use our search tool. Select "Search by Bank & Branch" option, enter the bank name (e.g., Union Bank Of India) and branch name, and we will display the complete IFSC code details.