IFSC Code of Unity Small finance Bank Limited, Bara Gobind Tola Sawangiya Branch, Bihar

Below are the complete branch details for Unity Small finance Bank Limited, BARA GOBIND TOLA SAWANGIYA branch, located in BARA GOBIND TOLA SAWANGIYA, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is UNBA0001015. 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 UNBA0001015 for Unity Small finance Bank Limited – BARA GOBIND TOLA SAWANGIYA — 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 – BARA GOBIND TOLA SAWANGIYA is UNBA0001015. The first four letters UNBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001015 map to this branch in BARA GOBIND TOLA SAWANGIYA, BIHAR.

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 Bara Gobind Tola Sawangiya branch — IFSC UNBA0001015 — extends the bank's services to customers in and around Bara Gobind Tola Sawangiya, Bihar.

About this branch

The branch is located at VILL-BARAGOVIND, WARD NO 7,PO-MADHUBAN,PS-MADHUBAN,BLOCK-MADHUBAN,DIST-PURBI CHAMPARAN,PIN CODE-845420. It serves the Bara Gobind Tola Sawangiya 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 UNBA0001015 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 BARA GOBIND TOLA SAWANGIYA of Unity Small finance Bank Limited — its own 11-character IFSC. The code UNBA0001015 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 UNBA0001015 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 UNBA0001015

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 UNBA0001015 across all three.

NEFT to Unity Small finance Bank Limited, BARA GOBIND TOLA SAWANGIYA using IFSC UNBA0001015

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 UNBA0001015, and confirm that the system picks up Unity Small finance Bank Limited – BARA GOBIND TOLA SAWANGIYA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UNBA0001015

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 – BARA GOBIND TOLA SAWANGIYA, ensure your bank's portal accepts IFSC UNBA0001015 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Unity Small finance Bank Limited BARA GOBIND TOLA SAWANGIYA (IFSC UNBA0001015)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0001015 in your mobile or internet banking app, and the money is credited to the BARA GOBIND TOLA SAWANGIYA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bara Gobind Tola Sawangiya

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 UNBA0001015:

• 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 BARA GOBIND TOLA SAWANGIYA is still linked to IFSC UNBA0001015.

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 UNBA0001015

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 – BARA GOBIND TOLA SAWANGIYA is still mapped to IFSC UNBA0001015. 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 UNBA0001015 and the beneficiary's account number to complete the transfer.

Account types you can open at the Bara Gobind Tola Sawangiya branch

Once you have an account at Unity Small finance Bank Limited – BARA GOBIND TOLA SAWANGIYA, the IFSC UNBA0001015 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.

Products and services

Customers walking into the Bara Gobind Tola Sawangiya 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 UNBA0001015

MICR & cheque-truncation details

Cheques drawn on the Bara Gobind Tola Sawangiya branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UNBA0001015 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UNBA0001015

Unity Small finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BARA GOBIND TOLA SAWANGIYA 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 UNBA0001015 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.

Common mistakes to avoid when using IFSC UNBA0001015

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 – BARA GOBIND TOLA SAWANGIYA, 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: UNBA0001015.
• 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 Bara Gobind Tola Sawangiya branch sits at VILL-BARAGOVIND, WARD NO 7,PO-MADHUBAN,PS-MADHUBAN,BLOCK-MADHUBAN,DIST-PURBI CHAMPARAN,PIN CODE-845420. If you are travelling from outside Bara Gobind Tola Sawangiya, search for the branch on a maps application using the bank name and locality, or call 91-9097106297 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 UNBA0001015 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UNBA0001015 for Unity Small finance Bank Limited – BARA GOBIND TOLA SAWANGIYA, 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.

Working hours

Branch counters at Bara Gobind Tola Sawangiya 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 UNBA0001015 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UNBA0001015 is the IFSC code of Unity Small finance Bank Limited, BARA GOBIND TOLA SAWANGIYA branch, in BARA GOBIND TOLA SAWANGIYA, BIHAR. 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.