Union Bank of India IFSC / MICR Codes / Addresses Across India

Union Bank of India IFSC / MICR Codes / Deposit Interest Rate

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Union Bank of India established on 11th November 1919 and its head office located at mumbai. Its head office building inaugurated by Father of Nation ‘Mahatma Gandhi‘ in year 1921. Union Bank of India plays a major role in india’s economic / financial growth and contributes various industries such as exports, agriculture, infrastructure and lot more. Union bank of india achieved 5,79,627 crore business in march 2015, running with 4200+ branches across the country along with 36,000+ employees.

Awarded with ‘Skoch Order of Merit‘ for financial inclusion technology in 2015 for implementing various technology initiatives to support all government schemes and also gain awards for Express Uptime Champion Award 2014, IDRBT IT Excellence Awards 2012-13 and many more. Here we have published verified Union bank of india’s IFSC / MICR / Branch codes, deposit & loan interest rates, customer care toll free number, branch addresses with phone number, email address and many more.

Head Office

Union Bank of India (Union Bank Bhavan)
239, Vidhan Bhavan Marg,
Nariman Point, Mumbai – 400 021
Maharashtra, India
Phone Number : 022 – 22892000

Customer Care Toll Free Number : 1800 22 22 44 / 1800 208 2244 (24/7 support)
Customer Care for NRI’s : +91-80253-02510 (24/7 support)
Toll Free number for PMJDY Scheme : 1800 22 22 43 (24/7 support)
Customer Care Email : customercare@unionbankofindia.com

Bank Timings (Working Hours)

Monday to Saturday : 10.00 A.M – 3.30 P.M (2nd and 4th saturday holiday)
Sunday : Holiday

Official Website : http://www.unionbankofindia.co.in
Internet Banking : http://www.unionbankofindia.co.in

  Base Interest Rate10.00%
  Home Loan InterestBase Rate i.e 10.00%
Above specified interest rate (floating) applicable up to ₹500 Lakhs of loan amount
In case if its above ₹500 Lakhs, the rate of interest will be Base rate + 0.75%
If you are seeking fixed rate of interest, 11.75% for up to 5 years
For ₹30 Lakhs - ₹50 Lakhs, the fixed rate of interest will be 12.75%
Purchase of plot and construction of house thereon and purchase of built house or flat
Repairs / improvements / extension of the existing residential property
Repayment period of up to 30 years & holiday period up to 18 months
  Personal Loan Interest14.75% (fixed)
Above specified rate of interest only applicable to salaried individuals
For existing home loan borrowers the rate of interest is Base rate + 2.00%
For employees working under home & defense ministries 13.75% (fixed)
  Two Wheeler Loans Interest10.50%
Above rate of interest applicable for loan tenure up to 3 years
For above 3 years - 5 years, the rate of interest is 10.75%
Maximum quantum of loan amount is ₹10 lakhs for advanced models
Repayment tenure allowed up to 36 months
  Car Loans Interest10.45% (fixed)
Above rate of interest applicable for new domestic four wheeler & cars
Repayment period is maximum of 7 years (84 EMIs) for a new 4-wheeler loan
For pre-owned cars, the rate of interest will be 11.00% (fixed) (For 36 EMIs)
For above 36 months - 48 months, the rate of interest will be 13.75% (fixed)
May apply up to ₹75 Lakhs for new cars, For old cars maximum of ₹10 Lakhs
4 Times of net income as per IT return / net annual salary income
  Commercial Vehicles InterestBase Rate + 4.75%
Above interest rate applicable for up to ₹15 Lakhs
Above ₹15 lakhs - ₹1 crore, the rate of interest is Base Rate + 4.50%
Above ₹1 crore, the rate of interest will be Base Rate + 4.00%
Repayment period allowed up to 5 years with a moratorium of 6 months
Purchase of new buses, trucks, pickup vans, auto rickshaw etc
Individual or association of not more than 6 persons may apply
Bank will finance 80 - 90% of the cost of the vehicle price
  Education Loans InterestBase Rate + 3.00%
For studying in India maximum loan amount up to ₹10 Lakhs
To study abroad, maximum loan amount up to ₹20 lakhs
Repayment period starts after course period + 6 months after got a job
For educational loans up to ₹4 Lakhs, no margin is required
Up to ₹7.50 Lakhs, the repayment period maximum of 10 years
Above ₹7.50 Lakhs, the repayment period maximum of 15 years
Girl students will get 0.50% interest waiver i.e Base Rate + 2.50%
  Gold Loans InterestBase Rate + 1.50%
Above rate applicable up to ₹25,000, above ₹25,000 interest rate is Base rate+ 2.25%
₹1800 / gram of gold ornaments of 22 carats or 80% of appraised value of gold
All individuals are eligible to avail loan under this scheme
  Consumer Durables Interest14.75% (Fixed)
Repayment period allowed up to ₹5 years
Quantum of loan allowed up to ₹5 lakhs
  Property Loan InterestBase Rate + 2.25%
Minimum of ₹5 Lakh and maximum of 10 Crores loan allowed
Maximum loan amount will be based on 50% of the fair market value
Maximum repayment period allowed up to 12 years
No moratorium or holiday period for repayment
  Agricultural Loans InterestBase Rate i.e.10.00%
Above rate of interest loans applicable up to ₹50000
Loans above ₹50000 and up to ₹2 lakhs, Base rate+ 0.50%
Above ₹2 lakhs to 5 ₹lakhs, interest rate will be base rate + 1.75%
Above ₹5 lakhs to ₹25 lakhs, the rate of interest is Base rate + 2.25%
Above ₹25 lakhs to ₹1 Crore, then interest rate is Base Rate + 2.50%
Credit limit of ₹3.00 lakhs for crop loans will be eligible for interest rate 7% P.A
  Internet BankingYes
  Credit CardYes
  ATM / Debit CardYes
  Cheque BooksYes
  Locker FacilityYes
  Core Banking Solution (CBS)Yes
  Mobile BankingYes

Union Bank of India deposit interest rate

Deposit PeriodLess than ₹1 Crore₹1 Crore - ₹10 Crores
7 days - 14 days4.00%4.00%
15 days - 30 days4.75%4.75%
31 days - 45 days6.00%5.25%
46 days - 90 days6.75%6.25%
91 days - 120 days7.00%6.50%
121 days - 179 days7.50%6.75%
180 days7.75%7.00%
181 days - < 1 Year7.75%7.50%
1 year8.00%7.75%
>1 Year - 3 Years8.00%7.50%
>3 years - 5 years8.00%7.50%
>5 years - 10 years8.00%7.50%
For deposits more than ₹10 Crores, please contact our nearest branch


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