IFSC Code of Unity Small finance Bank Limited, Mall Road Amritsar Branch, Punjab

Below are the complete branch details for Unity Small finance Bank Limited, MALL ROAD AMRITSAR branch, located in AMRITSAR, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is UNBA0000620. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UNBA0000620 for Unity Small finance Bank Limited – MALL ROAD AMRITSAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Unity Small finance Bank Limited – MALL ROAD AMRITSAR is UNBA0000620. The first four letters UNBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000620 map to this branch in AMRITSAR, PUNJAB.

Branch details at a glance

About Unity Small finance Bank Limited

Unity Small finance Bank Limited operates a wide network of branches across India, including the Mall Road Amritsar branch in Amritsar. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UNBA0000620.

About this branch

The branch is located at GROUND FLOOR, SHOWROOM NO 03, 35B 36/13 AVENTURA MALL, MALL ROAD,AMRITSAR-143001. It serves the Amritsar region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Unity Small finance Bank Limited. The IFSC UNBA0000620 is used to identify this branch on the RBI payments network.

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 Unity Small finance Bank Limited's MALL ROAD AMRITSAR branch came to be assigned the code UNBA0000620.

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 UNBA0000620, money simply cannot be routed to the MALL ROAD AMRITSAR branch electronically.

How to transfer money using IFSC UNBA0000620

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 UNBA0000620 across all three.

NEFT to Unity Small finance Bank Limited, MALL ROAD AMRITSAR using IFSC UNBA0000620

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC UNBA0000620, and confirm that the system picks up Unity Small finance Bank Limited – MALL ROAD AMRITSAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MALL ROAD AMRITSAR

If you need to transfer ₹2 lakh or more in one go to an account at Unity Small finance Bank Limited's MALL ROAD AMRITSAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UNBA0000620 while initiating the transfer and the credit will appear within minutes.

IMPS to Unity Small finance Bank Limited MALL ROAD AMRITSAR (IFSC UNBA0000620)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0000620 in your mobile or internet banking app, and the money is credited to the MALL ROAD AMRITSAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Mall Road Amritsar

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UNBA0000620:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at MALL ROAD AMRITSAR is still linked to IFSC UNBA0000620.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC UNBA0000620

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 Unity Small finance Bank Limited – MALL ROAD AMRITSAR is still mapped to IFSC UNBA0000620. 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 UNBA0000620 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Mall Road Amritsar branch is mapped to IFSC UNBA0000620 on the RBI payments network. The branch generally supports the full retail product catalogue of Unity Small finance Bank Limited, 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 UNBA0000620.

Banking services available

The Mall Road Amritsar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 183-9816069413.

• 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 UNBA0000620

MICR & cheque-truncation details

Cheques drawn on the Mall Road Amritsar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UNBA0000620 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Mall Road Amritsar 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 UNBA0000620 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.

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 Unity Small finance Bank Limited – MALL ROAD AMRITSAR:

• The IFSC is exactly UNBA0000620 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Unity Small finance Bank Limited as the bank name and MALL ROAD AMRITSAR 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.

How to reach the Mall Road Amritsar branch

The branch is located at GROUND FLOOR, SHOWROOM NO 03, 35B 36/13 AVENTURA MALL, MALL ROAD,AMRITSAR-143001, which puts it inside Amritsar, the broader Amritsar district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Unity Small finance Bank Limited Mall Road Amritsar branch” — the verified location pin for IFSC UNBA0000620 should appear at the top of the results.
2. Confirm the branch is open by calling 183-9816069413 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC UNBA0000620 and your account number.

Verifying IFSC UNBA0000620 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm UNBA0000620 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 183-9816069413.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Mall Road Amritsar are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to UNBA0000620 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UNBA0000620 belongs to Unity Small finance Bank Limited's MALL ROAD AMRITSAR branch, located at GROUND FLOOR, SHOWROOM NO 03, 35B 36/13 AVENTURA MALL, MALL ROAD,AMRITSAR-143001 in AMRITSAR, PUNJAB. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.