Last updated on: August 6, 2025

United Bank of India IFSC Code: A 2025 User Guide

In 2025, it is as important as ever to find the right IFSC code to meet your banking requirements, especially when most of us are dependent on smooth internet and mobile banking to make our payments fast. Working with the United Bank of India or even trying to track its evolution since it merged with the Punjab National Bank, it will be helpful to know what the United Bank of India IFSC code is, how to use it, and why it is important.

This guide will help you understand all about United Bank of India IFSC codes in a simple, non-technical language that is easy to follow. Let us begin.

What is the United Bank of India IFSC Code?

The Indian Financial System Code (IFSC) is a unique 11-digit alphanumeric code used to identify every bank branch in India that participates in electronic money transfer systems like NEFT, RTGS, and IMPS. The Reserve Bank of India (RBI) assigns these codes to ensure that money moves smoothly from one account to another, without confusion or delay.

Example:
A standard United Bank of India IFSC code was as follows: UTBI0SCA816, where:

• TBI = United Bank of India code
• 0 = Reserved (usually zero)
• CA816 = Specific branch identifier

Relevance in 2025

Since United Bank of India merged with Punjab National Bank (PNB) in 2020, you might wonder—do the old IFSC codes still work? The answer is more complex; in the majority of cases, the old IFSC codes were gradually changed into new PNB IFSC codes, particularly in the case of online transactions and cheque clearing.

If you still have a United Bank of India account (now serviced by PNB), it’s vital to use the updated IFSC code for transactions to avoid delays or rejections.

What is the Significance of IFSC Codes in Daily Banking?

• Digital Payments: All NEFT, RTGS, and IMPS transactions are required.
• Online Marketplaces: Required when connecting your bank account to e-commerce refunds or payouts.
• Cheque Books: IFSC code is printed per branch, which is necessary to clear.
• Remittances: NRIs and international transfers can request an IFSC code and SWIFT.
• Banking Apps: It is necessary to enter the IFSC to add beneficiaries.

My first-hand tip is that I had a small online business selling on Amazon and Flipkart. Whenever I was creating my payment accounts, I had to use the accurate IFSC code to ensure my funds were transferred with ease.

How to Locate United Bank of India IFSC Code in 2025

Following the merger of the United Bank of India with PNB, the majority of branches have transferred to new PNB IFSC codes. Older transactions involving the old United Bank IFSC code may be rejected, particularly online transactions, although some cheque clearances may still go through temporarily.

PNB Official Position: All the customers of United Bank will be required to use the new branch IFSC assigned by Punjab National Bank. Refer to your passbook, branch notice or visit the official PNB website to confirm.

Where to No. of updated IFSC Code?

a) PNB’s Official Website

• Go to the PNB branch locator
• Search by state, city and locality
• Note the new IFSC code of your branch

b) Passbook or Cheque Book

• New passbooks and cheque books bear the new PNB IFSC
• Most of the details of the older United Bank are now phased out

c) RBI Website

• Go to the RBI official IFSC directory

d) Mobile Banking Apps

• Both PNB and third-party payment apps display updated IFSC codes when you add an account or pay a United Bank (now PNB) beneficiary.

e) Customer Support

• Call PNB at 1800 180 2222
• Go to the closest branch to receive personal help

What Does a United Bank of India IFSC Code Look Like Now?

NB IFSC Framework of former United Bank Branches

• The code will now start with PUNB (for Punjab National Bank)
• The format: PUNB0XXXXXX (where XXXXXX is your new branch’s unique code)

Table: Comparison of IFSC Codes

Note: In case of doubt, one can use the new PNB IFSC because balances and KYC are moved to the new system.

Important Applications of IFSC Code to the United Bank of India Customers

1. Transferring or Receiving Money Online

To get payments through NEFT, RTGS, or IMPS, provide your:

• Full name (as on account)
• Account number
• New PNB IFSC code (not old United Bank IFSC)
• Branch name (optional)

2. Refunds or Seller Payments

On platform markets such as Amazon, Flipkart, or Paytm:

• Always open your account with the new IFSC code
• Certain platforms can automatically update this information with your account number

3. Government Benefits or Subsidies

Government systems (like DBT, PF transfers) require the updated IFSC code. Mismatches can lead to the failure to receive benefits.

4. Bank Statement Updates

In case you see the old IFSC on your statement, get in touch with the branch to receive an updated one to prevent transaction problems.

What Will Happen in Case You Enter the Old United Bank of India IFSC Code?

Short Answer:
The majority of digital payments will either fail or be delayed because banks have modernized their core systems.

First-Hand Experience:
In 2022, when one of my clients tried to send a fee through my old United Bank of India IFSC, the payment failed. I needed to share my new PNB IFSC; then, the money came immediately.

Banks and online services have done much of the work of mapping old accounts to new IFSC codes internally, but you should always use the latest codes provided by PNB.

Quick Reference Table: Common United Bank of India to PNB IFSC Updates

Customers are being informed of these changes through SMS, email, and in-branch displays.

Is the IFSC Change Something NRIs and International Users Should Care About?

Yes. When you are transferring money to a legacy United Bank of India account:

• Always apply the latest account details and the latest PNB IFSC code.
• Combine IFSC with SWIFT code to send international wires.
• Check with your money transfer agent or platform on new branch identifiers.

How to Avoid Trouble: Advice to the Customers of United Bank of India

• Update Beneficiary List – Delete the old entries of United Bank IFSC, enter new PNB IFSC in your netbanking app.
• Destroy Old Cheque Books – Order new cheque books to eliminate confusion particularly in formal transactions.
• Inform Recurring Payers – In case you have clients or employers that pay you through bank transfer, inform them about the change of IFSC.
• Check the Entries in the Passbook – Search the PNB logo and PUNB-prepended IFSC.
• Go to Branch When in Doubt – The current account details are printable by staff; some branches are able to help directly with forms or updating utility bills.

What is the Difference between FSC Code and MICR Code?

Quick Recall:
Use IFSC to NEFT, RTGS, IMPS; use MICR to cheques.

United Bank of India IFSC Code: FAQs of 2025

Is the Old United Bank of India IFSC Useful?
Not on new transactions. Use the PNB IFSC only of your branch.

How to I Find My Correct IFSC Code?
To check your latest passbook/cheque book, visit the official PNB branch locator or ask at the branch.

May I Use My Old United Bank Account Number?
Yes, but confirm if any digits have changed post-merger (rare, but possible in some cases).

Will My ATM Card be Valid?
Yes, but it would be easier to support a PNB-branded card.

Real-World Scenarios: User Experiences in 2025

• Sagarika, a freelance writer: “PayPal asked for my bank details in February 2025. My old UTBI IFSC resulted in a payment being returned. Updating to PNB’s new IFSC solved it instantly.”
• Sharma & Sons, online sellers: “After the merger, our GST refunds failed until we submitted the revised branch IFSC. Always check before sharing your banking details!”
• Ravi, NRI: “My remittance was delayed when the IFSC was outdated—lesson learnt, always check RBI’s IFSC directory.”

TLDR / Short Summary

• The IFSC codes of United Bank of India have been changed to the PNB IFSC codes.
• In 2025, use only the PNB code that begins with PUNB to make all electronic transfers.
• Find the new IFSC on the PNB website, your passbook, or the directory of RBI.
• Update digital beneficiaries and other recurring payees to prevent failed payments.
• To ask questions, visit your branch- they can update your latest details.

People Also Ask (FAQs)

1. What will be the consequence of using the old IFSC code of United Bank of India in 2025?
   Your payment can be rejected or reversed Always use the most recent PNB-assigned IFSC.

2. How do I find my United Bank of India (now PNB) branch’s new IFSC code?
   Check your updated bank passbook and cheque book or visit the PNB website branch locator.

3. Did my account number change with QBZ United Bank?
   Your account number usually does not change. There are rare exceptions to system integrations; check with your branch.

4. Will my United Bank of India ATM card work in 2025?
   Yes, but it is better to upgrade to a new PNB card to have more convenience.

5. Are MICR and IFSC identical?
   Yes. IFSC is applied in online transfers; MICR is applied in cheque processing.

6. What must I do when an online marketplace requires my old United Bank IFSC?
   Enter the new PNB IFSC code; in case of any problem, you can contact the support of the platform.

7. Can I publish my IFSC code?
   Yes, the IFSC code alone is safe to disclose- just like the name of the branch of your bank. Never share passwords or OTPs.

With these new tips and knowledge of the changes after the merger, the account holders of United Bank of India will be able to enjoy a seamless banking experience in 2025 and beyond.