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Union Bank of India — G T ROAD - LUDHIANA Branch
LUDHIANA, PUNJAB | IFSC: UBIN0539732
About Union Bank of India G T ROAD - LUDHIANA Branch — IFSC Code UBIN0539732
Let me give you the actual useful details here, not just the code. Union Bank of India's G T ROAD - LUDHIANA branch is in LUDHIANA, LUDHIANA district, PUNJAB. The IFSC code is UBIN0539732 — verified against RBI records. You'll need this exact code any time you want to receive a bank transfer to an account held at this branch.
Quick breakdown of what this IFSC code tells you: UBIN = Union Bank of India (that's how every Union Bank of India branch code starts), the 0 in the middle is RBI's reserved placeholder (it's always zero, no exceptions), and 539732 = the unique identifier for this specific G T ROAD - LUDHIANA branch. Every branch in India has its own tail code.
MICR Code for Union Bank of India G T ROAD - LUDHIANA
The MICR code here is 141026002. This is a 9-digit code — entirely separate from the IFSC — used for cheque processing. If you're filling out a form that asks for both IFSC and MICR, those are two different fields requiring two different codes.
How to read MICR code 141026002: digits 1–3 (141) = city code, digits 4–6 (026) = bank code, digits 7–9 (002) = branch code. Cheque-clearing machines at banks use magnetic ink technology to read this — it's been the standard since the 1980s and is still actively used.
📌 Branch PIN code: 141003. If you're filling in a beneficiary form and they ask for the PIN code of the bank branch (not your home PIN), this is it.
How to Use IFSC Code UBIN0539732 for Money Transfers
There are three main ways to send money using this IFSC code — NEFT, RTGS, and IMPS. They're not interchangeable, and picking the wrong one can mean delays or unnecessary fees.
NEFT Transfer (Best for most routine transfers)
NEFT (National Electronic Funds Transfer) works in 30-minute settlement batches, runs 24×7 including holidays, and there's no minimum or maximum transfer limit. Banks cannot charge fees for NEFT transfers — RBI eliminated those fees in January 2020. I use NEFT for practically everything: paying suppliers, rent, EMI mandates. Enter IFSC UBIN0539732 as the branch code when setting up a beneficiary.
RTGS Transfer (For ₹2 lakh and above)
RTGS (Real Time Gross Settlement) is the one where funds actually move in real-time — not batched. Minimum amount is ₹2,00,000 and there's no upper cap. Banks typically charge ₹20–₹50. If you're doing a property transaction, business payment, or any large transfer, RTGS with IFSC UBIN0539732 is the right choice. Settlement is essentially immediate.
IMPS Transfer (For urgent transfers of any size, 24×7)
IMPS (Immediate Payment Service) is instant, works on bank holidays and at 2am, and the limit is ₹5 lakh per transaction. Small charges apply (usually ₹5–₹25). Honestly if something is genuinely urgent, IMPS with IFSC UBIN0539732 is the fastest route. Money reaches the recipient's account in under a minute in most cases.
| Transfer Type | Speed | Min Amount | Max Amount | Available |
|---|---|---|---|---|
| NEFT | ~30 min batches | No minimum | No limit | 24×7, 365 days |
| RTGS | Real-time | ₹2,00,000 | No limit | 24×7, 365 days |
| IMPS | Instant (seconds) | No minimum | ₹5,00,000 | 24×7, 365 days |
Services Available at Union Bank of India G T ROAD - LUDHIANA
Most Union Bank of India branches offer the full stack of banking services: savings and current accounts, fixed deposits, recurring deposits, lockers, home loans, personal loans, education loans, vehicle loans, credit cards, debit cards, and forex services. Internet banking and mobile banking enrollment are available at any branch.
Branch hours are typically Monday to Saturday, 10 AM to 4 PM, with Sundays and bank holidays closed. The 2nd and 4th Saturday of each month are also usually holidays. That said — call ahead before visiting for anything time-sensitive, because individual branches sometimes have different hours.
📍 Branch address: G.T. ROAD, MILLER GANJ, LUDHIANA,DIST. LUDHIANA, PUNJAB,PIN - 141 003., LUDHIANA — 141003. Use the map above to get directions.
Union Bank of India Branches in LUDHIANA, PUNJAB
The G T ROAD - LUDHIANA branch is one of Union Bank of India's locations serving LUDHIANA and LUDHIANA district in PUNJAB. Use the search on this site to find other Union Bank of India branches in LUDHIANA or nearby areas — enter 'Union Bank of India LUDHIANA' in the search bar to see a full list with IFSC codes and addresses.
Questions About IFSC Code UBIN0539732
The IFSC code is UBIN0539732. This is RBI-verified and used for NEFT, RTGS, and IMPS transfers. Copy it exactly — case doesn't matter when entering it in banking portals, but all characters must be correct.
Union Bank of India G T ROAD - LUDHIANA branch is located in LUDHIANA, LUDHIANA district, PUNJAB. The address is: G.T. ROAD, MILLER GANJ, LUDHIANA,DIST. LUDHIANA, PUNJAB,PIN - 141 003.. Use the map on this page for directions.
The MICR code is 141026002. This is a 9-digit code used specifically for cheque clearing — it's different from the IFSC code and needed in different situations (mainly when filling out cheque-related forms).
Log into your net banking or mobile banking app, go to 'Add Beneficiary' or 'Manage Payees', enter the account holder's name, account number, and use UBIN0539732 as the IFSC code. After adding, there's usually a 30-minute to 4-hour cooling period before you can transfer. The beneficiary details must match the account exactly — even a small name mismatch can cause transfers to fail.
Yes — you can cross-check UBIN0539732 on the RBI website (rbi.org.in) under their IFSC lookup. The data on this site is sourced from RBI and updated regularly. For large transfers, it's always worth the extra 2 minutes to verify directly with the account holder.
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