IFSC Code of Unity Small finance Bank Limited, Chandigarh Sector Seven Branch, Punjab

This page lists the IFSC code, branch address, contact number and fund-transfer information for Unity Small finance Bank Limited, CHANDIGARH SECTOR SEVEN branch in CHANDIGARH. The 11-digit IFSC UNBA0000618 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 CHANDIGARH SECTOR SEVEN 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 – CHANDIGARH SECTOR SEVEN is UNBA0000618. The first four letters UNBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000618 map to this branch in CHANDIGARH, PUNJAB.

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 Chandigarh Sector Seven branch in Chandigarh, Punjab is part of this network and uses the IFSC code UNBA0000618 for all electronic settlement.

Branch details at a glance

Chandigarh Sector Seven branch overview

Located at SCO 11, SECTOR 7, CHANDIGARH-160019, the Chandigarh Sector Seven branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UNBA0000618 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 CHANDIGARH SECTOR SEVEN branch came to be assigned the code UNBA0000618.

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 UNBA0000618, money simply cannot be routed to the CHANDIGARH SECTOR SEVEN branch electronically.

Account types you can open at the Chandigarh Sector Seven branch

Once you have an account at Unity Small finance Bank Limited – CHANDIGARH SECTOR SEVEN, the IFSC UNBA0000618 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 Chandigarh Sector Seven branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9878246803.

• 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 UNBA0000618

How to transfer money using IFSC UNBA0000618

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 UNBA0000618 across all three.

NEFT to Unity Small finance Bank Limited, CHANDIGARH SECTOR SEVEN using IFSC UNBA0000618

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 UNBA0000618, and confirm that the system picks up Unity Small finance Bank Limited – CHANDIGARH SECTOR SEVEN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CHANDIGARH SECTOR SEVEN

If you need to transfer ₹2 lakh or more in one go to an account at Unity Small finance Bank Limited's CHANDIGARH SECTOR SEVEN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UNBA0000618 while initiating the transfer and the credit will appear within minutes.

IMPS to Unity Small finance Bank Limited CHANDIGARH SECTOR SEVEN (IFSC UNBA0000618)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0000618 in your mobile or internet banking app, and the money is credited to the CHANDIGARH SECTOR SEVEN branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chandigarh Sector Seven

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 UNBA0000618:

• 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 CHANDIGARH SECTOR SEVEN is still linked to IFSC UNBA0000618.

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 UNBA0000618

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 – CHANDIGARH SECTOR SEVEN is still mapped to IFSC UNBA0000618. 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 UNBA0000618 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UNBA0000618

Unity Small finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHANDIGARH SECTOR SEVEN 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 UNBA0000618 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 & cheque-truncation details

Cheques drawn on the Chandigarh Sector Seven branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UNBA0000618 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC UNBA0000618

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 – CHANDIGARH SECTOR SEVEN, 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: UNBA0000618.
• 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.

How to reach the Chandigarh Sector Seven branch

The branch is located at SCO 11, SECTOR 7, CHANDIGARH-160019, which puts it inside Chandigarh, the broader Chandigarh district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Unity Small finance Bank Limited Chandigarh Sector Seven branch” — the verified location pin for IFSC UNBA0000618 should appear at the top of the results.
2. Confirm the branch is open by calling 9878246803 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 UNBA0000618 and your account number.

Verifying IFSC UNBA0000618 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 UNBA0000618 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9878246803.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Chandigarh Sector Seven 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 UNBA0000618 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UNBA0000618 belongs to Unity Small finance Bank Limited's CHANDIGARH SECTOR SEVEN branch, located at SCO 11, SECTOR 7, CHANDIGARH-160019 in CHANDIGARH, PUNJAB. 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.