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

Below are the complete branch details for Unity Small finance Bank Limited, CHANDIGARH SECTOR TWENTY TWO branch, located in CHANDIGARH, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is UNBA0000617. 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 UNBA0000617 for Unity Small finance Bank Limited – CHANDIGARH SECTOR TWENTY TWO — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Unity Small finance Bank Limited's CHANDIGARH SECTOR TWENTY TWO branch, the IFSC UNBA0000617 breaks down as follows: UNBA identifies the bank, 0 is the reserved character, and 000617 identifies this particular branch.

Bank profile

Unity Small finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Chandigarh Sector Twenty Two branch — IFSC UNBA0000617 — extends the bank's services to customers in and around Chandigarh, Punjab.

Branch details at a glance

About this branch

The branch is located at SCO 2467 2468, SECTOR 22, CHANDIGARH-160022. It serves the Chandigarh 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 UNBA0000617 is used to identify this branch on the RBI payments network.

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 TWENTY TWO branch came to be assigned the code UNBA0000617.

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 UNBA0000617, money simply cannot be routed to the CHANDIGARH SECTOR TWENTY TWO branch electronically.

Account types you can open at the Chandigarh Sector Twenty Two branch

Once you have an account at Unity Small finance Bank Limited – CHANDIGARH SECTOR TWENTY TWO, the IFSC UNBA0000617 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 Chandigarh Sector Twenty Two 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 UNBA0000617

How to transfer money using IFSC UNBA0000617

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 UNBA0000617 across all three.

How to use IFSC UNBA0000617 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 CHANDIGARH SECTOR TWENTY TWO 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UNBA0000617.
4. Confirm the bank name auto-populates as Unity Small finance Bank Limited and the branch as CHANDIGARH SECTOR TWENTY TWO.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UNBA0000617

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 – CHANDIGARH SECTOR TWENTY TWO, ensure your bank's portal accepts IFSC UNBA0000617 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Unity Small finance Bank Limited CHANDIGARH SECTOR TWENTY TWO (IFSC UNBA0000617)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0000617 in your mobile or internet banking app, and the money is credited to the CHANDIGARH SECTOR TWENTY TWO branch account within seconds.

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

All three modes accept the IFSC UNBA0000617 for Unity Small finance Bank Limited – CHANDIGARH SECTOR TWENTY TWO, 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 Chandigarh Sector Twenty Two 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 UNBA0000617

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 TWENTY TWO is still mapped to IFSC UNBA0000617. 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 UNBA0000617 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UNBA0000617

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 TWENTY TWO 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 UNBA0000617 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 Twenty Two branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UNBA0000617 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 – CHANDIGARH SECTOR TWENTY TWO:

• The IFSC is exactly UNBA0000617 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 CHANDIGARH SECTOR TWENTY TWO 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 Chandigarh Sector Twenty Two branch sits at SCO 2467 2468, SECTOR 22, CHANDIGARH-160022. If you are travelling from outside Chandigarh, search for the branch on a maps application using the bank name and locality, or call 9417250833 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 UNBA0000617 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UNBA0000617 for Unity Small finance Bank Limited – CHANDIGARH SECTOR TWENTY TWO, 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 Chandigarh Sector Twenty Two 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 UNBA0000617 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UNBA0000617 belongs to Unity Small finance Bank Limited's CHANDIGARH SECTOR TWENTY TWO branch, located at SCO 2467 2468, SECTOR 22, CHANDIGARH-160022 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.