IFSC Code of Unity Small finance Bank Limited, Rajaji Nagar Branch, Karnataka

Use this page as a one-stop reference for everything related to Unity Small finance Bank Limited's RAJAJI NAGAR branch in BANGLORE, KARNATAKA. The branch's IFSC code UNBA0000322 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.

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 – RAJAJI NAGAR is UNBA0000322. The first four letters UNBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000322 map to this branch in BANGLORE, KARNATAKA.

Branch details at a glance

Bank profile

Unity Small finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Rajaji Nagar branch — IFSC UNBA0000322 — extends the bank's services to customers in and around Banglore, Karnataka.

Rajaji Nagar branch overview

Located at M.G.COMPLEX,SHOP NO.579,GROUND FLOOR,II BLOCK,II MAIN,RAJAJI NAGAR,BENGALURU-560010, the Rajaji Nagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UNBA0000322 is required for all interbank electronic transfers routed through this branch.

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 RAJAJI NAGAR of Unity Small finance Bank Limited — its own 11-character IFSC. The code UNBA0000322 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 UNBA0000322 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC UNBA0000322

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 UNBA0000322 across all three.

NEFT to Unity Small finance Bank Limited, RAJAJI NAGAR using IFSC UNBA0000322

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 UNBA0000322, and confirm that the system picks up Unity Small finance Bank Limited – RAJAJI NAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to RAJAJI NAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Unity Small finance Bank Limited's RAJAJI NAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UNBA0000322 while initiating the transfer and the credit will appear within minutes.

IMPS to Unity Small finance Bank Limited RAJAJI NAGAR (IFSC UNBA0000322)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0000322 in your mobile or internet banking app, and the money is credited to the RAJAJI NAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Rajaji Nagar

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 UNBA0000322:

• 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 RAJAJI NAGAR is still linked to IFSC UNBA0000322.

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 RAJAJI NAGAR branch, the IFSC UNBA0000322 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.

Products and account variants supported

Every account opened at the Rajaji Nagar branch is mapped to IFSC UNBA0000322 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 UNBA0000322.

Banking services available

The Rajaji Nagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 80-7411501532.

• 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 UNBA0000322

MICR & cheque-truncation details

Cheques drawn on the Rajaji Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UNBA0000322 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 Rajaji Nagar 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 UNBA0000322 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 – RAJAJI NAGAR:

• The IFSC is exactly UNBA0000322 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 RAJAJI NAGAR 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 Rajaji Nagar branch

The branch is located at M.G.COMPLEX,SHOP NO.579,GROUND FLOOR,II BLOCK,II MAIN,RAJAJI NAGAR,BENGALURU-560010, which puts it inside Banglore, the broader Banglore district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Unity Small finance Bank Limited Rajaji Nagar branch” — the verified location pin for IFSC UNBA0000322 should appear at the top of the results.
2. Confirm the branch is open by calling 80-7411501532 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 UNBA0000322 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UNBA0000322 for Unity Small finance Bank Limited – RAJAJI NAGAR, 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 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 Rajaji Nagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UNBA0000322, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UNBA0000322 is the IFSC code of Unity Small finance Bank Limited, RAJAJI NAGAR 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.