Question 1

What is the IFSC code UBIN0542318?

Accepted Answer

IFSC UBIN0542318 is the 11-character Indian Financial System Code assigned by the Reserve Bank of India to the Chelachuvadu branch of Union Bank Of India in Idukki, Kerala. Use this code for NEFT, RTGS, IMPS, UPI transfers to this branch.

Question 2

Which bank and branch uses IFSC UBIN0542318?

Accepted Answer

IFSC UBIN0542318 belongs to Union Bank Of India, Chelachuvadu branch located in Idukki, Kerala. The first four characters identify the bank and the last six characters identify the specific branch.

Question 3

Can I use IFSC UBIN0542318 for NEFT, RTGS, and IMPS transfers?

Accepted Answer

IFSC UBIN0542318 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 Chelachuvadu 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 Chelachuvadu branch is not currently listed in the RBI IFSC master — please check your cheque book or passbook.

Question 5

Is IFSC UBIN0542318 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 Chelachuvadu branch. Every Union Bank Of India branch in Idukki and across India has a different IFSC.

UBIN0542318

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 Idukki

Banking Products at Union Bank Of India

Frequently Asked Questions