Branch Details — UBIN0904805
| Bank Name | Union Bank of India |
| Branch Name | Ludhiana |
| IFSC Code | UBIN0904805 |
| MICR Code | Not allotted |
| Bank Code (RBI) | UBIN |
| Branch Code | 904805 |
| Address | SCO34 FEROZ GANDHI MARKET, PAKHOWAL ROAD, LUDHIANA 141001 |
| City | Ludhiana |
| District | Ludhiana |
| State | Punjab |
| Contact | +911612400325 |
| Toll Free | 1800-22-2244 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using UBIN0904805
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC UBIN0904805.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC UBIN0904805.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is UBIN0904805. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Union Bank of India Ludhiana branch, Ludhiana, Punjab.
This branch has not been allotted an MICR code in RBI records.
Address: SCO34 FEROZ GANDHI MARKET, PAKHOWAL ROAD, LUDHIANA 141001. 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 904805 identify the Ludhiana branch.
Yes. Union Bank of India Ludhiana Branch (IFSC: UBIN0904805) 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 UBIN0904805 → select NEFT/RTGS/IMPS → confirm with OTP.