IFSC Code of Unity Small finance Bank Limited, Jagamara Main Road Branch, Odisha

Below are the complete branch details for Unity Small finance Bank Limited, JAGAMARA MAIN ROAD branch, located in BHUBANESHWAR, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is UNBA0000712. 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 UNBA0000712 for Unity Small finance Bank Limited – JAGAMARA MAIN ROAD — 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 – JAGAMARA MAIN ROAD is UNBA0000712. The first four letters UNBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000712 map to this branch in BHUBANESHWAR, ODISHA.

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 Jagamara Main Road branch in Bhubaneshwar, Odisha is part of this network and uses the IFSC code UNBA0000712 for all electronic settlement.

Jagamara Main Road branch overview

Located at PLOT NO 642,JAGAMARA MAIN ROAD,BHUBANESHWAR,ODISHA-751030, the Jagamara Main Road branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UNBA0000712 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 JAGAMARA MAIN ROAD branch came to be assigned the code UNBA0000712.

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 UNBA0000712, money simply cannot be routed to the JAGAMARA MAIN ROAD branch electronically.

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 UNBA0000712 and the account number together uniquely identify the Jagamara Main Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UNBA0000712

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 UNBA0000712 across all three.

NEFT to Unity Small finance Bank Limited, JAGAMARA MAIN ROAD using IFSC UNBA0000712

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 UNBA0000712, and confirm that the system picks up Unity Small finance Bank Limited – JAGAMARA MAIN ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to JAGAMARA MAIN ROAD

If you need to transfer ₹2 lakh or more in one go to an account at Unity Small finance Bank Limited's JAGAMARA MAIN ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UNBA0000712 while initiating the transfer and the credit will appear within minutes.

IMPS to Unity Small finance Bank Limited JAGAMARA MAIN ROAD (IFSC UNBA0000712)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0000712 in your mobile or internet banking app, and the money is credited to the JAGAMARA MAIN ROAD branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UNBA0000712 for Unity Small finance Bank Limited – JAGAMARA MAIN 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.

For most retail customers crediting the Jagamara Main 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 UNBA0000712

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 – JAGAMARA MAIN ROAD is still mapped to IFSC UNBA0000712. 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 UNBA0000712 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Jagamara Main Road branch is mapped to IFSC UNBA0000712 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 UNBA0000712.

Banking services available

The Jagamara Main Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9830427569.

• 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 UNBA0000712

Digital banking channels

Most day-to-day work that customers used to do at the Jagamara Main Road 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 UNBA0000712 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.

How to reach the Jagamara Main Road branch

The branch is located at PLOT NO 642,JAGAMARA MAIN ROAD,BHUBANESHWAR,ODISHA-751030, which puts it inside Bhubaneshwar, the broader Khurda district, and the state of Odisha. To plan your visit:

1. Open Google Maps on your phone and search for “Unity Small finance Bank Limited Jagamara Main Road branch” — the verified location pin for IFSC UNBA0000712 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9830427569 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 UNBA0000712 and your account number.

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 – JAGAMARA MAIN ROAD:

• The IFSC is exactly UNBA0000712 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 JAGAMARA MAIN ROAD 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.

Working hours

Branch counters at Jagamara Main 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 UNBA0000712 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UNBA0000712 for Unity Small finance Bank Limited – JAGAMARA MAIN ROAD, 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 address & contact

Frequently asked questions

Final notes

To recap: UNBA0000712 is the IFSC code of Unity Small finance Bank Limited, JAGAMARA MAIN ROAD branch, in BHUBANESHWAR, ODISHA. 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.