Home You are here : path  Digital Banking path App Banking  path Digital Banking Units


In recent years, digital banking, digital payments and fintech innovations have grown at a rapid pace in the country. Government is continuously encouraging these sectors to ensure that the benefits of digital banking reach every nook and corner of the country in a consumer-friendly manner.

Money matters are complex, personal and people tend to need a human interaction in matters[Removed the and in between complex, personal.] related to banking. For the very same reason to mix human interaction with digital mode of transactions Govt. Of India and RBI came out with the novel concept of Digital Banking Units.Taking forward this agenda and to mark 75 years of our independence, Govt. Of India proposed to set up 75 Digital Banking Units (DBUs) in 75 districts of the country by scheduled Commercial Banks.

RBI vide their notification RBI/2022-23/19 DOR.AUT.REC.12/22.01.001/2022-23 Dated 07.04.2022 laid out the guidelines for establishment of Digital Baking Units.

In consultation with RBI, 7 districts were allotted by the IBA Working Group for establishment of DBUs to our bank.

Our bank is live with 7 DBUs at the below mentioned locations.

S.No DBU NAME Regional Office Zonal Office District State
1. Rajahmundry Rajahmundry Visakhapatnam East Godavari Andhra Pradesh
2. Machilipatnam Machilipatnam Vijayawada Krishna Andhra Pradesh
3. Palakkad Thrissur Mangaluru Palakkad Kerala
4. Sagar Gwalior Bhopal Bhopal Madhya Pradesh
5. Nagpur Nagpur Pune Nagpur Maharashtra
6. Agartala Guwahati Kolkata West Tripura Tripura
7. Patiala Bathinda Chandigarh Patiala Punjab

Bank is live with following services under kiosks in DBU in both Self Service & Assisted Modes:

  • 1. ATM
    • Cash Withdrawal
    • Green Pin Option for Debit Card
    • Re-KYC Confirmation for Accounts
    • Request for Loans
  • 2. CRM (Cash Recycling Machine)
    • Cash Deposit and Withdrawal
    • Green Pin Option for Debit Card
    • Re-KYC Confirmation for Accounts
    • Request for Loans
  • 3. Self-Passbook Printing Kiosk – semi automated self-passbook printer
  • 4. Multifunctional Kiosk
    • Fund Transfer upto Rs.5000/- within Bank and to Other Bank
    • Debit and Credit Card Blocking / Hotlisting
    • Apply for PMJJBY & PMSBY
    • Mini Statement
    • Cheque Book Request
    • Self-Passbook Printing
    • Setting Standing Instruction for RD
  • 5. Interactive Tabs
    • Savings Account opening through Video-KYC
    • Bill Payment
    • Insta Loan – STP Journey for Shishu Mudra, Mudra- Kishore & Tarun, Nari Shakti, GST Gain, Education Loan for Tier I Institutes, Union Cash Digital-Pensioner Loan, Digital KCC Fresh(Presently only at DBU Sagar)
    • Instant Loan Approval via PSB59 portal, Apply for Govt. Sponsored Scheme through Jan Samarth national portal
    • Apply for Atal Pension Yojana
    • Register for Nomination
    • Apply for Personalized Debit Card
    • Accepting and tracking of Customer Grievances & Feedbacks
  • 6. Internet Banking Kiosk/PC.

    providing internet banking facility for customer who doesn’t have PC/laptop at home or workplace for doing transactions

  • 7. Uni-Verse through Virtual Reality (VR)

    Union Bank’s Metaverse presence UNI-Verse access to customers for experiencing through Virtual Reality Device

  • 1. Rajahmundry –
    • Digital Banking Unit, Rajahmundry, Near Danvaipeta Branch,Door No. 75-7-24/1, A.V. Appa Rao Road, Rajahmundry, East Godavari District, Andhra Pradesh – 533103
  • 2. Machilipatnam –
    • Digital Banking Unit, Machilipatnam, Door No 24/402-403, Ramanaidu Peta, Revenue ward no.24, Machilipatnam District, Andhra Pradesh - 521 001
  • 3. Palakkad –
    • Digital Banking Unit, Palakkad, Ground floor, R P Building, Near Fort Maidan, Chittur Road, Palakkad District, Kerala – 678001
  • 4. Sagar –
    • Digital Banking Unit, Sagar, "Shanti Niketan", Opp BMC Gate No 3, Tilli Road, Bhopal District, Madhya Pradesh – 470002
  • 5. Nagpur –
    • Digital Banking Unit, Nagpur, Plot No. 19-20, Mata Nagar, Near Pandurang Mangal Karyalaya, Godhani Road, Zingabai Takli, Nagpur Distirct, Maharashtra – 440030
  • 6. Patiala –
    • Digital Banking Unit, Patiala, Satyom Towers 1A, Lehal Chowk, Patiala District, Punjab – 147001
  • 7. Agartala –
    • Digital Banking Unit, Agartala, Diamond Tower, Ground Floor, Paradise Choumahani, Oppsite City Centre, HGB Road, Agartala, West Tripura District, Tripura-799001

Self-Service Zone

Training Zone

Assisted Zone

  1. What is DBU?

Digital Banking Unit (DBU) is a specialized fixed point business unit / hub having certain minimum digital infrastructure for delivering digital banking products & services as well as servicing existing financial products & services digitally, in both self-service and assisted mode.

  1. What services are offered by DBU?
  2. Following services are offered at DBU:

    • Cash withdrawal and Cash Deposit only through ATM and Cash Recycler Machines respectively
    • Passbook printing / Statement Generation
    • Internet Banking Kiosk which may also include facilities to provide all/majority of services available on internet banking including indent and issuance/processing of Cheque Book request, receipt, and online processing of various standing instructions of clients
    • Transfer of funds within bank and Interbank (NEFT) - Presently upto Rs.5000/- with OTP Validation.
    • Updation of Aadhaar.
    • Lodging of grievance digitally and acknowledgement thereof and tracking of resolution status
    • Account Opening Kiosk with Video KYC for Account Opening
    • Digital onboarding of customers for schemes such as Atal Pension Yojana (APY) Insurance onboarding for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY)
    • Apply for Bank Digital Loan Products
  1. How is DBU different from other branches?

DBU is a specialized fixed point business unit / hub housing certain minimum digital infrastructure for delivering as well as servicing existing financial products & services digitally, in both self-service and assisted mode, to enable customers to have cost effective/ convenient access and enhanced digital experience in an efficient, paperless, secured and connected environment at any time, all year round.

  1. Which type of accounts can be opened at DBU?

In first phase, Savings account will be opened having scheme code Savings General In second phase Current account (single & proprietor) will be opened. Customer should have a valid PAN, Aadhaar linked with operative Mobile number and email id for opening Savings account

  1. Can Accounts be opened for other than individual constitutions like Pvt. Ltd, Public Ltd, and Partnerships etc.?

Such Accounts cannot be opened at DBUs. Since main objective of DBU is to increase Digital penetration of financial services through financial inclusion of unbanked/under banked individual Customers.

  1. Whether Customer need to submit physical copies of documents for identity and address for opening of accounts?

Physical Copy of document is not required to be submitted at DBU, whereas Customer has to hold & display the documents in originals for verification at the time of Video-KYC.

  1. Whether Customer will be issued Fixed Deposit receipt at DBU?

Customer can open Fixed Deposit through Internet banking kiosk only and no physical receipt will be given to the Customer.

  1. Can Customer add or modify existing nomination to their accounts. Can they put multiple nominations to single account and add different nomination for different accounts?

No modification in nominee details is allowed from DBU at present, new nominee can be added in savings, current and fixed deposit accounts.

  1. Whether a Customer can get Demand Draft at DBU?

At present this service is not available at DBU.

  1. Whether a Cheque book can be issued to Customer at DBU?

Customer can apply for a Cheque book through various mode like ATM, CRM, Multi-Function Kiosk & Internet banking kiosk. Cheque book will be delivered to the registered address of the customer.

  1. I have been issued debit card what is the time frame for activation?

As applicable to general bank branches.

  1. Whether Customer can be issued Account Statement printed at DBU?

As DBU is envisioned as paperless banking unit, printing of account statement is not permitted. Customer can print their passbook using Passbook printing kiosk or Multifunctional kiosk. Alternately they can generate their account statement using Internet banking kiosk using which they can send to their email id.

  1. Whether Locker services will be provided at DBU?

Presently Locker services are not being provided at DBU

  1. What can be done for the Services which can be provided to Customer at Home / Base branch only?

The services like updation of KYC, modification of nomination, issue of debit cards for other branches etc. which are yet to be fully digitized and are presently under physical application mode will be done at DBU by accepting physical application until the service is fully digitised.

  1. How to Handle Death Claim at DBU?

Can be done using online link provided here https://icmt.unionbankofindia.co.in/deathclaim/