This page lists the IFSC code, branch address, contact number and fund-transfer information for Unity Small finance Bank Limited, CUNNINGHAM ROAD branch in BANGLORE. The 11-digit IFSC UNBA0000334 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Unity Small finance Bank Limited at the CUNNINGHAM ROAD location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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 – CUNNINGHAM ROAD is UNBA0000334. The first four letters UNBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000334 map to this branch in BANGLORE, KARNATAKA.
About Unity Small finance Bank Limited
Unity Small finance Bank Limited operates a wide network of branches across India, including the Cunningham Road branch in Banglore. 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, UNBA0000334.
Branch details at a glance
| Bank Name | Unity Small finance Bank Limited |
|---|---|
| Branch | Cunningham Road |
| IFSC Code | UNBA0000334 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, MSB-1, KSCMF BUILDING NO 8, CUNNINGHAM ROAD, BENGALURU-560052 |
| City | Banglore |
| District | Bangalore |
| State | Karnataka |
| STD Code | 80 |
| Phone | 7506760187 |
About the Cunningham Road branch
The Cunningham Road branch of Unity Small finance Bank Limited is situated at GROUND FLOOR, MSB-1, KSCMF BUILDING NO 8, CUNNINGHAM ROAD, BENGALURU-560052. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UNBA0000334 is used.
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 CUNNINGHAM ROAD of Unity Small finance Bank Limited — its own 11-character IFSC. The code UNBA0000334 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 UNBA0000334 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Cunningham Road branch
Once you have an account at Unity Small finance Bank Limited – CUNNINGHAM ROAD, the IFSC UNBA0000334 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Cunningham Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 80-7506760187.
- 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 UNBA0000334
How to transfer money using IFSC UNBA0000334
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 UNBA0000334 across all three.
NEFT to Unity Small finance Bank Limited, CUNNINGHAM ROAD using IFSC UNBA0000334
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 UNBA0000334, and confirm that the system picks up Unity Small finance Bank Limited – CUNNINGHAM ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UNBA0000334
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 Unity Small finance Bank Limited – CUNNINGHAM ROAD, ensure your bank's portal accepts IFSC UNBA0000334 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Unity Small finance Bank Limited CUNNINGHAM ROAD (IFSC UNBA0000334)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0000334 in your mobile or internet banking app, and the money is credited to the CUNNINGHAM ROAD branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UNBA0000334 for Unity Small finance Bank Limited – CUNNINGHAM ROAD, 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 – UNBA0000334 | Yes – UNBA0000334 | Yes – UNBA0000334 |
For most retail customers crediting the Cunningham Road 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 UNBA0000334
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 – CUNNINGHAM ROAD is still mapped to IFSC UNBA0000334. 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 UNBA0000334 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UNBA0000334
Unity Small finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CUNNINGHAM ROAD branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC UNBA0000334 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
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 UNBA0000334 and the account number together uniquely identify the Cunningham Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC UNBA0000334
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Unity Small finance Bank Limited – CUNNINGHAM ROAD, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
UNBA0000334. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Cunningham Road branch sits at GROUND FLOOR, MSB-1, KSCMF BUILDING NO 8, CUNNINGHAM ROAD, BENGALURU-560052. If you are travelling from outside Banglore, search for the branch on a maps application using the bank name and locality, or call 80-7506760187 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 UNBA0000334 and your account number.
Verifying IFSC UNBA0000334 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 UNBA0000334 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 80-7506760187.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Cunningham Road 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 UNBA0000334 continue to work without interruption.
Branch address & contact
Unity Small finance Bank LimitedCunningham Road Branch
GROUND FLOOR, MSB-1, KSCMF BUILDING NO 8, CUNNINGHAM ROAD, BENGALURU-560052
Banglore, Karnataka
Phone: 80-7506760187
IFSC: UNBA0000334
Frequently asked questions
How quickly will an NEFT transfer using UNBA0000334 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Unity Small finance Bank Limited – Cunningham Road reflect within 30 minutes.
Does Unity Small finance Bank Limited Cunningham Road branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 80-7506760187 to confirm.
Can I use IFSC UNBA0000334 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UNBA0000334 to send funds instantly.
What is the IFSC code of Unity Small finance Bank Limited Cunningham Road branch?
The IFSC code of Unity Small finance Bank Limited, Cunningham Road branch is UNBA0000334. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UNBA0000334 valid for NEFT and RTGS?
Yes. IFSC UNBA0000334 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UNBA0000334 the same for all accounts at Cunningham Road branch?
Yes. The IFSC UNBA0000334 is shared by every account held at Unity Small finance Bank Limited's Cunningham Road branch. Only the account number changes from customer to customer.
Where is Unity Small finance Bank Limited Cunningham Road branch located?
Unity Small finance Bank Limited's Cunningham Road branch is located at GROUND FLOOR, MSB-1, KSCMF BUILDING NO 8, CUNNINGHAM ROAD, BENGALURU-560052, Banglore, Karnataka.
What is the phone number of Unity Small finance Bank Limited Cunningham Road branch?
You can reach the branch at 80-7506760187 during regular banking hours.
Summary
The IFSC code UNBA0000334 belongs to Unity Small finance Bank Limited's CUNNINGHAM ROAD branch, located at GROUND FLOOR, MSB-1, KSCMF BUILDING NO 8, CUNNINGHAM ROAD, BENGALURU-560052 in BANGLORE, KARNATAKA. 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.
