Union Bank of India is one of the older public sector banks in the country, and its network expanded considerably in April 2020 when it absorbed both Andhra Bank and Corporation Bank as part of the government’s broader consolidation of public sector lenders. That merger means branches formerly operating under the Andhra Bank name, in particular, now follow Union Bank’s standard schedule — worth knowing if you’re a legacy customer of either predecessor bank.
Daily Branch Hours
Most sources consistently point to 10:00 AM to 4:00 PM, though at least one source cites a later 5:00 PM close instead — a modest discrepancy rather than a wide split.
| Day | Branch Hours |
| Monday–Friday | 10:00 AM – 4:00 PM (one source: 5:00 PM) |
| 1st, 3rd, 5th Saturday | 10:00 AM – 4:00 PM |
| 2nd & 4th Saturday | Closed |
| Sunday | Closed |
| National/State Bank Holidays | Closed |
Cash Counter Cutoff
No sharply distinct, bank-published cash-specific cutoff figure was found beyond the general branch hours. Following the pattern typical across public sector banks in this series, cash counters likely wind down in the 20 to 30 minutes before the 4:00 PM close. Treat 3:30 PM to 3:45 PM as a reasonable arrival target for cash-related work.
RTGS and NEFT: Well Documented, One Genuinely Useful Detail
- NEFT through the branch — reported at 8:00 AM to 6:30 PM, Monday to Saturday, excluding the 2nd and 4th Saturdays
- NEFT (online) — genuinely 24×7/365, with after-hours requests processed via STP (Straight Through Processing) mode — meaning transfers submitted outside standard hours are handled automatically rather than queued for manual branch action
- RTGS through the branch — reported figures vary slightly: 7:00 AM to 6:00 PM in one source, 8:00 AM to 4:20 PM in another
- RTGS (online) — round the clock, irrespective of bank holidays or non-working hours
- Transaction limit — at least one source notes a ₹2 lakh limit on RTGS and NEFT transfers, though this figure should be confirmed against current bank policy since transfer limits are subject to change
Given the split in reported branch RTGS windows, treating the narrower 4:20 PM figure as your practical deadline for a same-day branch transfer is the safer assumption, with online RTGS as the reliable fallback for anything later.
Lunch: Staggered, No Fixed Break
Union Bank does not offer its staff a fixed lunch break. Employees take breaks in batches, with reported windows ranging from 1:00 PM to 2:00 PM in most sources to a slightly later 1:30 PM to 2:30 PM in one. The branch continues functioning throughout, though certain services may run slower during that stretch due to reduced staff availability at the counters.
Best Time to Visit
10:00 AM to 12:30 PM is the consistently recommended window across sources — ahead of the lunch rotation and comfortably within active service hours. Given that Union Bank’s network now includes branches with different institutional histories following the Andhra Bank and Corporation Bank mergers, confirming with your specific branch is a reasonable extra step, particularly at a former Andhra Bank location.
Working Saturdays
Union Bank follows the RBI’s standard alternate-Saturday policy: open on the 1st, 3rd, and 5th Saturdays, closed on the 2nd and 4th, consistent across every source checked.
Beyond Branch Hours
- Union Bank Net Banking and Mobile Banking — 24×7 for NEFT, RTGS, bill payments, and account management
- NEFT and RTGS (online) — both round the clock, with after-hours NEFT processed via STP mode
- IMPS — available 24 hours a day, 7 days a week, without any holiday restrictions
- ATM network — over 6,600 ATMs across the bank’s combined footprint following the mergers
- Locker access — tied to standard branch working hours, with no separate locker-specific timing
FAQs
Q1. What are Union Bank of India’s standard branch hours?
Most sources point to 10:00 AM to 4:00 PM, though one cites a later 5:00 PM close — confirming with your specific branch is worthwhile.
Q2. Does Union Bank of India close for lunch?
No fixed lunch break exists. Staff rotate through breaks, generally somewhere between 1:00 PM and 2:30 PM depending on the source, while counters stay open.
Q3. What happened to Andhra Bank and Corporation Bank customers?
Both banks merged into Union Bank of India effective April 2020, and their branches now follow Union Bank’s standard working hours, with only minor regional variations remaining.
Q4. Is Union Bank of India open on all Saturdays?
Only the 1st, 3rd, and 5th Saturdays, following the standard RBI rule. The 2nd and 4th are closed.
Q5. Can I transfer money through NEFT or RTGS outside branch hours?
Yes, both are available 24×7 through Union Bank’s digital channels, with after-hours NEFT specifically processed via Straight Through Processing mode.
