Branch Details — UBIN0540609
| Bank Name | Union Bank of India |
| Branch Name | Ghawadi |
| IFSC Code | UBIN0540609 |
| MICR Code | Not allotted |
| Bank Code (RBI) | UBIN |
| Branch Code | 540609 |
| Address | NEAR GURUDWARA VPO GHAWADI DIST. LUDHIANA PUNJAB PIN 141206. |
| City | Ludhiana |
| District | Ghawadi |
| State | Punjab |
| Contact | 2852177 |
| Toll Free | 1800-22-2244 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using UBIN0540609
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC UBIN0540609.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC UBIN0540609.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is UBIN0540609. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Union Bank of India Ghawadi branch, Ludhiana, Punjab.
This branch has not been allotted an MICR code in RBI records.
Address: NEAR GURUDWARA VPO GHAWADI DIST. LUDHIANA PUNJAB PIN 141206.. Branch timings: Monday–Friday 9:30 AM – 3:30 PM, Saturday 9:30 AM – 1:30 PM (closed 2nd/4th Saturdays).
UBIN identifies Union Bank of India. The 5th character 0 is reserved by RBI. The last 6 characters 540609 identify the Ghawadi branch.
Yes. Union Bank of India Ghawadi Branch (IFSC: UBIN0540609) is fully enabled for NEFT, RTGS, IMPS, UPI, available 24×7 including weekends and holidays.
Log in to your bank's net banking or mobile app → Fund Transfer → Add Beneficiary → enter account number and IFSC UBIN0540609 → select NEFT/RTGS/IMPS → confirm with OTP.