Last updated on: August 6, 2025

United Bank of India IFSC Code: A 2025 User Guide

In 2025, it is as crucial as ever to locate the proper IFSC code so as to fulfill your banking needs, especially when the majority of us are reliant on seamless internet and mobile banking to make our payments promptly. When dealing with the United Bank of India or even attempting to trace its progress since its merger with the Punjab National Bank, it will be useful to know what the United Bank of India IFSC code is, how to use it, and why it is important.

This guide aims at explaining everything about United Bank of India IFSC codes in a simple, non-technical way that is easy to understand. Let us start

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 response is more complicated; in most instances, the old IFSC codes were slowly replaced with new PNB IFSC codes, especially 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

1. Has the Code changed since the merger?

After the merger of the United Bank of India with PNB, most of the branches have been shifted to new PNB IFSC codes. Older transactions using the old United Bank IFSC code may be rejected, especially online transactions, although some cheque clearances may temporarily go through.

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

2. Where to find No. of updated IFSC Code?

a) PNB’s Official Website
Visit the PNB branch finder
Search by state, city and locality
Note the new IFSC code of your branch

b) Passbook or Cheque Book
New passbooks and cheque books have the new PNB IFSC
The majority of the information about the older United Bank is phased out

c) RBI Website
Visit the official RBI 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
Dial PNB on 1800 180 2222
Visit the nearest branch to get personal assistance

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. Sending or Receiving Cash on-Online

To receive payments via NEFT, RTGS, or IMPS, give your:

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

2. Refunds or Payments by Seller

On marketplaces like Amazon, Flipkart or Paytm:
Always open your account with the new IFSC code
Some platforms are able to update this information automatically with your account number

3. Government Benefits or Subsidies

Government systems (like DBT, PF transfers) require the updated IFSC code. Mismatches may result in the failure to obtain benefits.

4. Bank Statement Updates

In case you find the old IFSC on your statement, contact the branch to obtain a new one to avoid transaction issues.

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

Short Answer:
Most of the digital payments will be unsuccessful or delayed due to the modernization of core systems by banks.

First-Hand Experience:
In 2022, one of my clients attempted to transfer a fee using my old United Bank of India IFSC and the payment failed. I had to share my new PNB IFSC; and, the money came instantly.

Banks and online services have already 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

The customers are being notified of these changes via SMS, email, and in-branch displays.

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

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

• Use the latest account details and the latest PNB IFSC code.
• Use both IFSC and SWIFT code to make international wires.
• Contact 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 of your branch only.

How to I Find My Correct IFSC Code?
To examine your new passbook/cheque book, go to the official PNB branch locator or enquire 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 simpler 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 previous UTBI IFSC caused a payment to be 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 replaced with the PNB IFSC codes.

• In 2025, use only the PNB code that begins with PUNB to make all electronic transfers.
  The new IFSC can be found on the PNB site, your passbook, or the RBI directory.
• Update online beneficiaries and other recurring payees to avoid failed payments.
  To make inquiries, go to your branch- they can update your current information.

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 may be rejected or reversed Use the latest PNB-assigned IFSC.

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

3. Did my account number change with QBZ United Bank?
   Your account number normally does not change Exceptions to system integrations are rare; see your branch.

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

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

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

7. Can I publish my IFSC code?
   Yes, the IFSC code is safe to share- just like the name of the branch of your bank. Do not exchange passwords or OTPs

These new tips and understanding of the changes that will occur following the merger will enable the account holders of the United Bank of India to have a smooth banking experience in 2025 and beyond.