Use this page as a one-stop reference for everything related to Bank of Maharashtra's UNA branch in UNA, HIMACHAL PRADESH. The branch's IFSC code MAHB0001423 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Bank of Maharashtra's UNA branch, the IFSC MAHB0001423 breaks down as follows: MAHB identifies the bank, 0 is the reserved character, and 001423 identifies this particular branch.
About the bank
Bank of Maharashtra serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Una branch in Una, Himachal Pradesh is part of this network and uses the IFSC code MAHB0001423 for all electronic settlement.
Una branch overview
Located at OPPOSITE P.G. COLLEGE, NANGAL-UNA ROAD, UNA, the Una branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC MAHB0001423 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Bank of Maharashtra |
|---|---|
| Branch | Una |
| IFSC Code | MAHB0001423 |
| MICR Code | Refer to cheque leaf |
| Branch Address | OPPOSITE P.G. COLLEGE, NANGAL-UNA ROAD, UNA |
| City | Una |
| District | Una |
| State | Himachal Pradesh |
| STD Code | 91 |
| Phone | 8657472901 |
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Bank of Maharashtra's UNA branch came to be assigned the code MAHB0001423.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC MAHB0001423, money simply cannot be routed to the UNA branch electronically.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Bank of Maharashtra carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC MAHB0001423 and the account number together uniquely identify the Una branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC MAHB0001423
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC MAHB0001423 across all three.
How to use IFSC MAHB0001423 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Maharashtra's UNA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC MAHB0001423.
- Confirm the bank name auto-populates as Bank of Maharashtra and the branch as UNA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC MAHB0001423
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Bank of Maharashtra – UNA, ensure your bank's portal accepts IFSC MAHB0001423 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of Maharashtra UNA (IFSC MAHB0001423)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MAHB0001423 in your mobile or internet banking app, and the money is credited to the UNA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC MAHB0001423 for Bank of Maharashtra – UNA, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – MAHB0001423 | Yes – MAHB0001423 | Yes – MAHB0001423 |
For most retail customers crediting the Una branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
UPI payments and IFSC MAHB0001423
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Bank of Maharashtra – UNA is still mapped to IFSC MAHB0001423. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC MAHB0001423 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Una branch is mapped to IFSC MAHB0001423 on the RBI payments network. The branch generally supports the full retail product catalogue of Bank of Maharashtra, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains MAHB0001423.
Banking services available
The Una branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8657472901.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC MAHB0001423
Digital banking channels
Most day-to-day work that customers used to do at the Una branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC MAHB0001423 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
Reaching the branch
The Una branch sits at OPPOSITE P.G. COLLEGE, NANGAL-UNA ROAD, UNA. If you are travelling from outside Una, search for the branch on a maps application using the bank name and locality, or call 91-8657472901 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC MAHB0001423 and your account number.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Bank of Maharashtra – UNA:
- The IFSC is exactly MAHB0001423 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Bank of Maharashtra as the bank name and UNA as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Una branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MAHB0001423, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC MAHB0001423 for Bank of Maharashtra – UNA, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Branch address & contact
Bank of MaharashtraUna Branch
OPPOSITE P.G. COLLEGE, NANGAL-UNA ROAD, UNA
Una, Himachal Pradesh
Phone: 91-8657472901
IFSC: MAHB0001423
Frequently asked questions
What is the phone number of Bank of Maharashtra Una branch?
You can reach the branch at 91-8657472901 during regular banking hours.
How do I add Bank of Maharashtra Una as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC MAHB0001423, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC MAHB0001423 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC MAHB0001423 to send funds instantly.
How quickly will an NEFT transfer using MAHB0001423 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Maharashtra – Una reflect within 30 minutes.
Is IFSC MAHB0001423 valid for NEFT and RTGS?
Yes. IFSC MAHB0001423 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Bank of Maharashtra Una branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8657472901 to confirm.
Final notes
To recap: MAHB0001423 is the IFSC code of Bank of Maharashtra, UNA branch, in UNA, HIMACHAL PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
