Union Bank of India MICR Codes in Vishakapatnam, Andhra Pradesh

Union Bank of India MICR Codes in Vishakapatnam, Andhra Pradesh

Union Bank of India has 96 branches in Vishakapatnam, Andhra Pradesh, with 96 branches registered on the Reserve Bank of India's Cheque Truncation System (CTS) grid. Each branch has a unique 9-digit MICR code — the magnetic ink identifier printed at the bottom of every cheque issued by that branch. BankZop's Union Bank of India Vishakapatnam directory is sourced directly from official RBI CTS data, making it the most reliable reference for branch MICR codes in Vishakapatnam.

Click any branch from the list above to view its complete details — MICR code, IFSC code, BSR code, address, and phone number — all on a single result page with one-click copy buttons.

How to Find Your Union Bank of India MICR Code in Vishakapatnam

You are one click away from the MICR code you need. Here is the process:

• Step 1 — Filter if needed: Type your branch name in the search box above if the list is long. The list filters instantly as you type.
• Step 2 — Click your branch: Click the branch where your Union Bank of India account is held. Make sure it is the exact branch — not just any Union Bank of India branch in Vishakapatnam.
• Step 3 — Copy the MICR code: The result page shows the 9-digit MICR code with a large Copy button. It also shows the IFSC code, BSR code, full address, and phone number for the same branch.

If you are not sure which branch your account belongs to, check your Union Bank of India passbook first page, internet banking account summary, or the cheque book issued by your branch. The MICR code on your cheque will match the one on BankZop for the same branch.

What is the MICR Code for Union Bank of India in Vishakapatnam?

Every Union Bank of India branch in Vishakapatnam has a 9-digit MICR code structured as follows:

• Digits 1–3 (City Code): All Union Bank of India branches in Vishakapatnam share the same first 3 digits — the CTS city code assigned by the RBI for the Vishakapatnam clearing zone.
• Digits 4–6 (Bank Code): These 3 digits identify Union Bank of India within the Vishakapatnam clearing zone. All Union Bank of India branches in Vishakapatnam share this segment.
• Digits 7–9 (Branch Code): The final 3 digits are unique to each branch. This is what differentiates the 96 Union Bank of India branches in Vishakapatnam from each other.

This means that even if two Union Bank of India branches are on the same street in Vishakapatnam, they have different MICR codes. Always use the code for the specific branch where your account is held — not just any Union Bank of India Vishakapatnam branch.

When You Need the Union Bank of India Vishakapatnam MICR Code

SIP Registrations and Mutual Fund Mandates

When registering a Systematic Investment Plan (SIP), the NACH mandate form asks for your bank branch's MICR code. If your account is at a Union Bank of India branch in Vishakapatnam, find your branch's MICR code above and enter it on the mandate form. The NPCI's NACH platform uses this code to debit your account each month for the SIP instalment. Using an incorrect MICR code causes mandate rejection and delays your SIP setup.

ECS Mandates for Bills and Insurance

ECS (Electronic Clearing Service) auto-debits for electricity, broadband, gas, and insurance premiums require your Union Bank of India branch MICR code in Vishakapatnam. The ECS mandate form has a specific field for the 9-digit MICR code — not the IFSC. The clearing system uses this to identify your branch and process the recurring debit on the scheduled date.

Loan EMI Collection

Banks and NBFCs serving Vishakapatnam collect loan EMIs via NACH mandates. When you take a home loan, personal loan, or vehicle loan, the lender asks for your bank account's MICR code to set up the monthly auto-debit. Enter the MICR code of your specific Union Bank of India branch in Vishakapatnam — found by clicking your branch in the list above.

About Union Bank of India Branches in Vishakapatnam, Andhra Pradesh

Union Bank of India has been serving customers in Vishakapatnam with a network of 96 branches offering full banking services — savings accounts, current accounts, loans, fixed deposits, and digital banking. All 96 MICR-enabled branches participate in the RBI's CTS cheque clearing system, ensuring cheques deposited anywhere in India are cleared within one business day.

To browse Union Bank of India branches in other cities in Andhra Pradesh, visit the Union Bank of India Andhra Pradesh directory. For all Union Bank of India branches nationwide, see the Union Bank of India MICR code directory. For electronic transfer codes, use the Union Bank of India Vishakapatnam IFSC directory. For loan EMI planning, use the free EMI Calculator.