Union Bank of India Ghawadi Branch โ IFSC Code
LUDHIANA, PUNJAB
IFSC Code
UBIN0540609
| IFSC Code | UBIN0540609 |
| MICR Code | โ |
| Bank | Union Bank of India |
| Branch | Ghawadi |
| City | LUDHIANA |
| District | GHAWADI |
| State | PUNJAB |
| Address | NEAR GURUDWARA VPO GHAWADI DIST. LUDHIANA PUNJAB PIN 141206. |
| Contact | 2852177 |
| NEFT Enabled | Yes โ |
| RTGS Enabled | Yes โ |
| IMPS Enabled | Yes โ |
| UPI Enabled | Yes โ |
๐ Data sourced from RBI IFSC directory. Last verified: May 2026.Verify at Union Bank of India official site โ
How to Use IFSC Code UBIN0540609
- 1. Login to your bank's mobile app or net banking
- 2. Go to Fund Transfer โ Add Beneficiary
- 3. Enter recipient's account number + IFSC: UBIN0540609
- 4. Wait 30 minโ24 hrs for beneficiary activation
- 5. Transfer via NEFT (free) or RTGS (โน2L+, instant)
IFSC Code Format โ Union Bank of India
UBIN0540609
โ Bank codeโ Reservedโ Branch code
Frequently Asked Questions
What is the IFSC code of Union Bank of India Ghawadi?
The IFSC code is UBIN0540609. Use this for NEFT, RTGS, and IMPS transfers to Union Bank of India Ghawadi branch in LUDHIANA.
What is the MICR code of Union Bank of India Ghawadi?
The MICR code is not available โ check your cheque book. MICR codes are used for cheque processing, not for digital transfers.
Is UBIN0540609 valid for UPI transfers?
UPI transfers using a UPI ID do not require IFSC โ the app resolves it automatically. Use UBIN0540609 only for NEFT, RTGS, or IMPS when adding a bank account manually.