Steps to Find Union Bank IFSC and MICR Codes

IFSC code

Union Bank of India was founded in 1950, and it is counted among the leading banks of India. It has its operation branches in nearly 174 places and 35 regional offices throughout the country. UBI provides the net banking facility to all the eligible customers, which includes three primary fund transfer systems such as RTGS, IMPS, and NEFT. However, for all these methods knowing the Union Bank IFSC code of the recipient is necessary for safe fund transfer. Therefore, this blog provides the steps you can follow to know the IFSC code and MICR code.

What is Union Bank IFSC code?

IFSC code stands for Indian Financial System Code. It is a unique 11-digit alphanumeric combination that distinguishes all the bank account holders. Customers can easily find the IFSC code on their cheque leaves and the front page of their passbook.

The Union Bank IFSC code is assigned by the Reserve Bank of India, and any online fund can’t be initiated without a valid IFSC. Moreover, these codes follow a specific pattern which is discussed below:

  • The first four digits represent the bank name.
  • The fifth digit is 0 for all the banks.
  • The last six digits represent a specific branch.

Steps to Check Union Bank IFSC code

To determine the IFSC of Union Bank of India, you can follow any of the steps mentioned below:

  1. Passbook or chequebook

It is the most convenient and handy option to know the IFSC code of UBI. The passbook and cheque book provide important information about the bank, such as its address, branch name, MICR, etc. To know the Union Bank IFSC code, you need to look at the front page of the passbook and the top portion of your cheque leaf. You can easily spot the IFSC of your home branch.

  1. Through UBI website

You can also know the IFSC code by visiting the official website of the Union Bank. For this, you need to follow the steps mentioned below:

  • Go to the quick access menu on the right side of the UBI home page.
  • Select the ‘Locate’ option and then go to ‘Branch/ATM search’.
  • Afterwards, you get the option to search for a specific branch by selecting the state, city and branch name.
  • After clicking the branch name, all the information, including address, Union Bank IFSC code, contact information, email address, etc., will be displayed on the screen. 
  1. RBI website

The official website of RBI includes a section for the identification of the IFSC code of different banks. For this, you need to login to the RBI website and follow these steps:

  • Select IFSC or MICR code at the bottom of the page.
  • Select Union Bank IFSC code and enter the name of your branch. The new page will display all the information relating to the branch you select.

What is MICR code?

MICR is a nine-digit code which is crucial for the identification of the branches participating in the electronic clearance system. Bank account holders specifically need MICR while filling financial forms like SIP.

How to Find Out MICR code?

MICR is allotted by the RBI to identify the financial institutions participating in the fund transfer using cheques. This code represents the following:

  • The first 3 digits are for the city code.
  • The middle three represent the bank code.
  • The final three digits stand for the branch code.

The MICR of a branch can easily be found at the bottom of the cheque leaves. It is printed adjacent to the cheque number, which is present on the right side of the cheque book. 


There are multiple methods of monetary transactions apart from traditional bank transfers. For safe and fast transfers, it is necessary to know the MICR and IFSC of the participating banks. Therefore, if you opt for fund transfer through the internet or other automatic, you must determine these codes for convenient verification during the process.

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