Question 1

What is the IFSC code UBIN0542300?

Accepted Answer

IFSC UBIN0542300 is the 11-character Indian Financial System Code assigned by the Reserve Bank of India to the Pothanicad branch of Union Bank Of India in Ernakulam, Kerala. Use this code for NEFT, RTGS, IMPS, UPI transfers to this branch.

Question 2

Which bank and branch uses IFSC UBIN0542300?

Accepted Answer

IFSC UBIN0542300 belongs to Union Bank Of India, Pothanicad branch located in Ernakulam, Kerala. The first four characters identify the bank and the last six characters identify the specific branch.

Question 3

Can I use IFSC UBIN0542300 for NEFT, RTGS, and IMPS transfers?

Accepted Answer

IFSC UBIN0542300 supports NEFT, RTGS, IMPS, UPI. You can use it for both small (NEFT) and high-value (RTGS) transfers, plus real-time IMPS and UPI payments. RTGS is typically used for transfers of ₹2,00,000 and above.

Question 4

How do I find the MICR code for the Pothanicad branch?

Accepted Answer

MICR (Magnetic Ink Character Recognition) is a 9-digit code printed at the bottom of cheques using magnetic ink. The MICR for the Pothanicad branch is not currently listed in the RBI IFSC master — please check your cheque book or passbook.

Question 5

Is IFSC UBIN0542300 different from other Union Bank Of India branches?

Accepted Answer

Yes. While the first four characters of an IFSC identify the bank (here, the bank code for Union Bank Of India), the last six characters uniquely identify the Pothanicad branch. Every Union Bank Of India branch in Ernakulam and across India has a different IFSC.

UBIN0542300

Branch Details

How to Use This IFSC Code

NEFT (National Electronic Funds Transfer)

RTGS (Real-Time Gross Settlement)

IMPS (Immediate Payment Service)

UPI

Banks in Ernakulam

Banking Products at Union Bank Of India

Frequently Asked Questions