India · Ghawadi · IFSC
UBIN0540609 — Union Bank of India, Ghawadi
UBIN0540609 is the IFSC code of the Ghawadi branch of Union Bank of India in Ghawadi, Punjab. You need it, together with the account number, to send a local rupee transfer to an account held at this branch.
This code belongs to one specific branch — Ghawadi — and not to Union Bank of India as a whole. The first four letters, UBIN, identify the bank; the last six identify this branch alone. This is the only Union Bank of India branch the register lists in Ghawadi. The branch is enabled for every transfer type the register tracks — NEFT, RTGS, IMPS and UPI. Nationally Union Bank of India has 11,006 branches in the Reserve Bank of India's register.
Branch details
| IFSC code | UBIN0540609 |
|---|---|
| Bank | Union Bank of India |
| Branch | Ghawadi |
| Address | Near Gurudwara Vpo Ghawadi Dist. Ludhiana Punjab Pin 141206 |
| City | Ghawadi |
| District | Ghawadi |
| State | Punjab |
| Phone | 2852177 |
Transfer types this branch accepts
| Rail | Status |
|---|---|
| NEFT | Supported |
| RTGS | Supported |
| IMPS | Supported |
| UPI | Supported |
NEFT and RTGS move money between banks; IMPS runs around the clock; UPI is India's instant mobile system. An incoming transfer from abroad arrives over these same rails.
Find a branch by its IFSC code
All 182,498 codes in the Reserve Bank of India register, snapshot of 2026-08-21, are searchable here. It covers branches this page does not list, including other Union Bank of India branches.
How to send money to a Union Bank of India account in Ghawadi
- Get the details from your recipient — full name as it appears on the account, account number and the IFSC code of their branch.
- Fund your transfer from your own USD, EUR or GBP account details.
- Send in INR — the money arrives as a local Indian transfer, so the recipient does not need to deal with international banking.
Common questions
What bank does IFSC UBIN0540609 belong to?
Union Bank of India, Ghawadi branch in Ghawadi, Punjab. The code identifies that single branch, which is what an Indian bank transfer is routed to.
Can I use UBIN0540609 to receive money from abroad?
Yes. Give the sender this code together with the account number — the money arrives as a local rupee transfer into the Ghawadi branch.
What is the MICR code for this branch?
The register lists no MICR code for this branch. MICR is used for cheque clearing; for an electronic transfer you only need the IFSC.
Is this code the same for every branch of the bank?
No. Only the first four letters are shared across Union Bank of India. The rest is unique to Ghawadi, and using another branch's code sends the money to the wrong place.
Where do these details come from?
The Reserve Bank of India's own register of participating branches, which is the same source Indian banks publish from.
Where this data comes from
Branch names, addresses and IFSC codes are taken from the Reserve Bank of India's list of NEFT-enabled branches, snapshot of 2026-08-21. The RBI compiles it from the participating banks themselves, so spellings follow the banks' own records. We normalise state names and city spellings, merge duplicate names for the same city, and exclude administrative entries such as RTGS head offices and service branches from branch counts. Nothing is added to the data. Found something wrong? Write to support@payerpay.io.
Who we are
PayerPay is operated by PAYER PAY INTERNATIONAL INC (Company ID BC1526086), registered with the Financial Transactions and Reports Analysis Centre of Canada under MSB registration C100001025 and with the Bank of Canada under the Retail Payment Activities Act. Payment details are issued through licensed banking partners.