IFSC Code of Unity Small finance Bank Limited, Asansol Branch, West Bengal

If you are searching for the IFSC code of Unity Small finance Bank Limited, ASANSOL branch in ASANSOL, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is UNBA0000705. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the ASANSOL branch, and detailed step-by-step guides for using the IFSC UNBA0000705 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, UNBA0000705 is the IFSC of Unity Small finance Bank Limited's ASANSOL branch. The format is fixed: UNBA = bank code, 0 = reserved, 000705 = branch identifier.

About Unity Small finance Bank Limited

Unity Small finance Bank Limited operates a wide network of branches across India, including the Asansol branch in Asansol. 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, UNBA0000705.

Branch details at a glance

About this branch

The branch is located at GROUND FLOOR, LAXMI NARAYAN AVENUE, GT ROAD, MURGASOL, ASANSOL-713303 WEST BENGAL. It serves the Asansol 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 UNBA0000705 is used to identify this branch on the RBI payments network.

Why every Unity Small finance Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including ASANSOL of Unity Small finance Bank Limited — its own 11-character IFSC. The code UNBA0000705 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UNBA0000705 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Asansol branch is mapped to IFSC UNBA0000705 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 UNBA0000705.

Banking services available

The Asansol branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-6290484388.

• 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 UNBA0000705

How to transfer money using IFSC UNBA0000705

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 UNBA0000705 across all three.

NEFT to Unity Small finance Bank Limited, ASANSOL using IFSC UNBA0000705

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 UNBA0000705, and confirm that the system picks up Unity Small finance Bank Limited – ASANSOL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ASANSOL

If you need to transfer ₹2 lakh or more in one go to an account at Unity Small finance Bank Limited's ASANSOL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UNBA0000705 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Unity Small finance Bank Limited – ASANSOL, use IMPS. With IFSC UNBA0000705 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Asansol

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 UNBA0000705:

• 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 ASANSOL is still linked to IFSC UNBA0000705.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Unity Small finance Bank Limited's ASANSOL branch, the IFSC UNBA0000705 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Digital banking channels

Most day-to-day work that customers used to do at the Asansol 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 UNBA0000705 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.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Unity Small finance Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC UNBA0000705 and the account number together uniquely identify the Asansol branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – ASANSOL:

• The IFSC is exactly UNBA0000705 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 ASANSOL 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.

Reaching the branch

The Asansol branch sits at GROUND FLOOR, LAXMI NARAYAN AVENUE, GT ROAD, MURGASOL, ASANSOL-713303 WEST BENGAL. If you are travelling from outside Asansol, search for the branch on a maps application using the bank name and locality, or call 33-6290484388 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 UNBA0000705 and your account number.

Verifying IFSC UNBA0000705 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 UNBA0000705 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 33-6290484388.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Asansol 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 UNBA0000705 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UNBA0000705 is the IFSC code of Unity Small finance Bank Limited, ASANSOL branch, in ASANSOL, WEST BENGAL. 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.