Use this page as a one-stop reference for everything related to Unity Small finance Bank Limited's HESSARGHATTA branch in BANGLORE, KARNATAKA. The branch's IFSC code UNBA0000326 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.
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, UNBA0000326 is the IFSC of Unity Small finance Bank Limited's HESSARGHATTA branch. The format is fixed: UNBA = bank code, 0 = reserved, 000326 = branch identifier.
About the bank
Unity Small finance Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Hessarghatta branch in Banglore, Karnataka is part of this network and uses the IFSC code UNBA0000326 for all electronic settlement.
Branch details at a glance
| Bank Name | Unity Small finance Bank Limited |
|---|---|
| Branch | Hessarghatta |
| IFSC Code | UNBA0000326 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO 1 N G ARCADE , 8TH MILE ROAD , NEAR WIDIA SCHOOL BUS STOP , HESSARGHATTA MAIN ROAD , NAGASANDRA , BANGALORE -560073 |
| City | Banglore |
| District | Bangaluru |
| State | Karnataka |
| STD Code | 80 |
| Phone | 9902250231 |
Hessarghatta branch overview
Located at NO 1 N G ARCADE , 8TH MILE ROAD , NEAR WIDIA SCHOOL BUS STOP , HESSARGHATTA MAIN ROAD , NAGASANDRA , BANGALORE -560073, the Hessarghatta branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UNBA0000326 is required for all interbank electronic transfers routed through this branch.
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 HESSARGHATTA branch came to be assigned the code UNBA0000326.
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 UNBA0000326, money simply cannot be routed to the HESSARGHATTA branch electronically.
Products and account variants supported
Every account opened at the Hessarghatta branch is mapped to IFSC UNBA0000326 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 UNBA0000326.
Products and services
Customers walking into the Hessarghatta branch can access most of Unity Small finance Bank Limited's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC UNBA0000326
How to transfer money using IFSC UNBA0000326
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 UNBA0000326 across all three.
How to use IFSC UNBA0000326 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Unity Small finance Bank Limited's HESSARGHATTA 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 UNBA0000326.
- Confirm the bank name auto-populates as Unity Small finance Bank Limited and the branch as HESSARGHATTA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to HESSARGHATTA
If you need to transfer ₹2 lakh or more in one go to an account at Unity Small finance Bank Limited's HESSARGHATTA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UNBA0000326 while initiating the transfer and the credit will appear within minutes.
IMPS to Unity Small finance Bank Limited HESSARGHATTA (IFSC UNBA0000326)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0000326 in your mobile or internet banking app, and the money is credited to the HESSARGHATTA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Hessarghatta
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 UNBA0000326:
- 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 HESSARGHATTA is still linked to IFSC UNBA0000326.
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 UNBA0000326
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 – HESSARGHATTA is still mapped to IFSC UNBA0000326. 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 UNBA0000326 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Hessarghatta 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 UNBA0000326 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 & cheque-truncation details
Cheques drawn on the Hessarghatta branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UNBA0000326 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – HESSARGHATTA:
- The IFSC is exactly UNBA0000326 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 HESSARGHATTA 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 Hessarghatta branch sits at NO 1 N G ARCADE , 8TH MILE ROAD , NEAR WIDIA SCHOOL BUS STOP , HESSARGHATTA MAIN ROAD , NAGASANDRA , BANGALORE -560073. If you are travelling from outside Banglore, search for the branch on a maps application using the bank name and locality, or call 80-9902250231 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 UNBA0000326 and your account number.
Verifying IFSC UNBA0000326 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 UNBA0000326 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 80-9902250231.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Hessarghatta 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 UNBA0000326 continue to work without interruption.
Branch address & contact
Unity Small finance Bank LimitedHessarghatta Branch
NO 1 N G ARCADE , 8TH MILE ROAD , NEAR WIDIA SCHOOL BUS STOP , HESSARGHATTA MAIN ROAD , NAGASANDRA , BANGALORE -560073
Banglore, Karnataka
Phone: 80-9902250231
IFSC: UNBA0000326
Frequently asked questions
Is IFSC UNBA0000326 valid for NEFT and RTGS?
Yes. IFSC UNBA0000326 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Unity Small finance Bank Limited Hessarghatta branch?
The IFSC code of Unity Small finance Bank Limited, Hessarghatta branch is UNBA0000326. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Unity Small finance Bank Limited Hessarghatta branch?
You can reach the branch at 80-9902250231 during regular banking hours.
How do I add Unity Small finance Bank Limited Hessarghatta as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UNBA0000326, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Hessarghatta branch but serve different purposes.
Can I use IFSC UNBA0000326 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UNBA0000326 to send funds instantly.
Is IFSC UNBA0000326 the same for all accounts at Hessarghatta branch?
Yes. The IFSC UNBA0000326 is shared by every account held at Unity Small finance Bank Limited's Hessarghatta branch. Only the account number changes from customer to customer.
Final notes
To recap: UNBA0000326 is the IFSC code of Unity Small finance Bank Limited, HESSARGHATTA branch, in BANGLORE, KARNATAKA. 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.
