IFSC Code of Unity Small finance Bank Limited, Shahdara Branch, Delhi

Below are the complete branch details for Unity Small finance Bank Limited, SHAHDARA branch, located in DELHI, DELHI. The IFSC assigned by the Reserve Bank of India to this branch is UNBA0000641. 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 UNBA0000641 for Unity Small finance Bank Limited – SHAHDARA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, UNBA0000641 is the IFSC of Unity Small finance Bank Limited's SHAHDARA branch. The format is fixed: UNBA = bank code, 0 = reserved, 000641 = branch identifier.

Branch details at a glance

About Unity Small finance Bank Limited

Unity Small finance Bank Limited operates a wide network of branches across India, including the Shahdara branch in Delhi. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UNBA0000641.

About the Shahdara branch

The Shahdara branch of Unity Small finance Bank Limited is situated at G-51,CROSS RIVER MALL,CENTRAL BUSINESS,SHAHDARA,NEAR KARKARDOOMA COURT,DELHI NCR-110032,DELHI. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UNBA0000641 is used.

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 SHAHDARA of Unity Small finance Bank Limited — its own 11-character IFSC. The code UNBA0000641 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 UNBA0000641 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 UNBA0000641

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 UNBA0000641 across all three.

NEFT to Unity Small finance Bank Limited, SHAHDARA using IFSC UNBA0000641

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 UNBA0000641, and confirm that the system picks up Unity Small finance Bank Limited – SHAHDARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SHAHDARA

If you need to transfer ₹2 lakh or more in one go to an account at Unity Small finance Bank Limited's SHAHDARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UNBA0000641 while initiating the transfer and the credit will appear within minutes.

IMPS to Unity Small finance Bank Limited SHAHDARA (IFSC UNBA0000641)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0000641 in your mobile or internet banking app, and the money is credited to the SHAHDARA branch account within seconds.

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

All three modes accept the IFSC UNBA0000641 for Unity Small finance Bank Limited – SHAHDARA, 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 Shahdara 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.

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 SHAHDARA branch, the IFSC UNBA0000641 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 Shahdara branch is mapped to IFSC UNBA0000641 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 UNBA0000641.

Banking services available

The Shahdara branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9711535509.

• 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 UNBA0000641

MICR & cheque-truncation details

Cheques drawn on the Shahdara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UNBA0000641 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UNBA0000641

Unity Small finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SHAHDARA 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 UNBA0000641 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 UNBA0000641

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 – SHAHDARA, 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: UNBA0000641.
• 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 Shahdara branch

The branch is located at G-51,CROSS RIVER MALL,CENTRAL BUSINESS,SHAHDARA,NEAR KARKARDOOMA COURT,DELHI NCR-110032,DELHI, which puts it inside Delhi, the broader East Delhi district, and the state of Delhi. To plan your visit:

1. Open Google Maps on your phone and search for “Unity Small finance Bank Limited Shahdara branch” — the verified location pin for IFSC UNBA0000641 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9711535509 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 UNBA0000641 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UNBA0000641 for Unity Small finance Bank Limited – SHAHDARA, 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 Shahdara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UNBA0000641, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UNBA0000641 is the IFSC code of Unity Small finance Bank Limited, SHAHDARA branch, in DELHI, DELHI. 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.