United Bank of India IFSC Code is different for each branch and is mostly used for sending money through NEFT, RTGS, and IMPS. The Indian Financial System Code, or IFSC, is made up of 11 characters, some of which are numbers and some of which are letters. Each character helps figure out which branch is being talked about. The Reserve Bank of India is in charge of giving out IFSC codes (RBI). For example, the IFSC code for the Raichur branch of the United Bank of India in Bangalore, Karnataka, is UTBI0RCH900. Let's now try to get a better grasp of the code. Take the first four letters of "UTBI," which is just a short version of the bank's name. The next number, "zero," is set aside for later use.