UBIN0540609 — Union Bank of India, Ghawadi
UBIN0540609 is the IFSC code of Union Bank of India, Ghawadi branch, Ludhiana, Punjab. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | UBIN0540609 |
|---|---|
| Bank | Union Bank of India |
| Branch | Ghawadi |
| Address | NEAR GURUDWARA VPO GHAWADI DIST. LUDHIANA PUNJAB PIN 141206. |
| City | Ludhiana |
| District | Ghawadi |
| State | Punjab |
| MICR code | — |
| SWIFT code | — |
| Phone | 2852177 |
| NEFT | Yes |
| RTGS | Yes |
| IMPS | Yes |
| UPI | Yes |
Source: Reserve Bank of India IFSC/MICR list, as compiled by the open-source Razorpay IFSC dataset (MIT licence), updated 08 Nov 2026. Always confirm the IFSC with your bank before sending money.
Other Union Bank of India branches in Ludhiana
- Abohar — UBIN0560391
- Akhara — UBIN0540498
- Arb Ludhiana — UBIN0579963
- B R S Nagar Ludhiana — UBIN0569062
- Basant City Ludhiana — UBIN0577014
- Bija — UBIN0570923
- Civil Lines - Ludhiana — UBIN0554421
- Currency Chest Ludhiana — UBIN0995100
- Dhuri — UBIN0562351
- Doaba Aryan Senior S — UBIN0558460
- Doraha — UBIN0567485
- Dugri Road — UBIN0550809
How to read IFSC UBIN0540609
| Part | Meaning |
|---|---|
| UBIN | Bank code – Union Bank of India |
| 0 | Fifth character, always zero (kept for future use) |
| 540609 | Branch code – Ghawadi, Ludhiana |
Sending money to Union Bank of India, Ghawadi
Payments this branch can receive using IFSC UBIN0540609:
- NEFT – available 24×7, all days; RBI sets no minimum or maximum amount (your bank may set its own limit).
- RTGS – for ₹2 lakh and above, settled in real time, 24×7.
- IMPS – instant transfer 24×7, usually up to ₹5 lakh per transaction.
- UPI – accounts at this branch can be linked to UPI apps.
To pay someone here you need their account number, the account holder’s name and the IFSC UBIN0540609.
Questions about IFSC UBIN0540609
What is the IFSC code of Union Bank of India, Ghawadi branch?
The IFSC code of Union Bank of India, Ghawadi branch (Ludhiana, Punjab) is UBIN0540609.
Where is Union Bank of India, Ghawadi branch located?
The branch address is NEAR GURUDWARA VPO GHAWADI DIST. LUDHIANA PUNJAB PIN 141206. (Punjab).
Does UBIN0540609 support RTGS and NEFT?
NEFT: yes. RTGS: yes. IMPS: yes (as per the RBI list in our records).
Income tax refund not received?
A refund fails when the bank account on the income tax portal is not pre-validated or the IFSC has changed after a bank merger. We fix the account, raise a refund re-issue request and follow up — online, anywhere in India.