If you are searching for the IFSC code of Unity Small finance Bank Limited, PALARIVATTOM branch in ERNAKULAM, KERALA, this page has every detail you need. The verified IFSC code for this branch is UNBA0000337. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the PALARIVATTOM branch, and detailed step-by-step guides for using the IFSC UNBA0000337 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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, UNBA0000337 is the IFSC of Unity Small finance Bank Limited's PALARIVATTOM branch. The format is fixed: UNBA = bank code, 0 = reserved, 000337 = branch identifier.
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 Palarivattom branch in Ernakulam, Kerala is part of this network and uses the IFSC code UNBA0000337 for all electronic settlement.
Palarivattom branch overview
Located at SHOP NO 5 AND 7, KANCHANJUNGA APARTMENTS, CIVIL STATION ROAD, PALARIVATTOM, ERNAKULAM, KERALA - 682025, the Palarivattom branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UNBA0000337 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Unity Small finance Bank Limited |
|---|---|
| Branch | Palarivattom |
| IFSC Code | UNBA0000337 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO 5 AND 7, KANCHANJUNGA APARTMENTS, CIVIL STATION ROAD, PALARIVATTOM, ERNAKULAM, KERALA - 682025 |
| City | Ernakulam |
| District | Ernakulam |
| State | Kerala |
| STD Code | 484 |
| Phone | 9400334849 |
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 PALARIVATTOM branch came to be assigned the code UNBA0000337.
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 UNBA0000337, money simply cannot be routed to the PALARIVATTOM 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 UNBA0000337 and the account number together uniquely identify the Palarivattom branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UNBA0000337
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 UNBA0000337 across all three.
NEFT to Unity Small finance Bank Limited, PALARIVATTOM using IFSC UNBA0000337
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 UNBA0000337, and confirm that the system picks up Unity Small finance Bank Limited – PALARIVATTOM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UNBA0000337
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 – PALARIVATTOM, ensure your bank's portal accepts IFSC UNBA0000337 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Unity Small finance Bank Limited PALARIVATTOM (IFSC UNBA0000337)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0000337 in your mobile or internet banking app, and the money is credited to the PALARIVATTOM branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Palarivattom
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 UNBA0000337:
- 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 PALARIVATTOM is still linked to IFSC UNBA0000337.
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 UNBA0000337
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 – PALARIVATTOM is still mapped to IFSC UNBA0000337. 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 UNBA0000337 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Palarivattom branch is mapped to IFSC UNBA0000337 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 UNBA0000337.
Banking services available
The Palarivattom branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 484-9400334849.
- 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 UNBA0000337
Online banking and IFSC UNBA0000337
Unity Small finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the PALARIVATTOM 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 UNBA0000337 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.
How to reach the Palarivattom branch
The branch is located at SHOP NO 5 AND 7, KANCHANJUNGA APARTMENTS, CIVIL STATION ROAD, PALARIVATTOM, ERNAKULAM, KERALA - 682025, which puts it inside Ernakulam, the broader Ernakulam district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Unity Small finance Bank Limited Palarivattom branch” — the verified location pin for IFSC UNBA0000337 should appear at the top of the results.
- Confirm the branch is open by calling 484-9400334849 before stepping out, especially around public holidays.
- 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 UNBA0000337 and your account number.
Common mistakes to avoid when using IFSC UNBA0000337
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 – PALARIVATTOM, 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:
UNBA0000337. - 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.
Working hours
Branch counters at Palarivattom 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 UNBA0000337 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UNBA0000337 for Unity Small finance Bank Limited – PALARIVATTOM, 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
Unity Small finance Bank LimitedPalarivattom Branch
SHOP NO 5 AND 7, KANCHANJUNGA APARTMENTS, CIVIL STATION ROAD, PALARIVATTOM, ERNAKULAM, KERALA - 682025
Ernakulam, Kerala
Phone: 484-9400334849
IFSC: UNBA0000337
Frequently asked questions
Where is Unity Small finance Bank Limited Palarivattom branch located?
Unity Small finance Bank Limited's Palarivattom branch is located at SHOP NO 5 AND 7, KANCHANJUNGA APARTMENTS, CIVIL STATION ROAD, PALARIVATTOM, ERNAKULAM, KERALA - 682025, Ernakulam, Kerala.
What is the phone number of Unity Small finance Bank Limited Palarivattom branch?
You can reach the branch at 484-9400334849 during regular banking hours.
Does Unity Small finance Bank Limited Palarivattom branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 484-9400334849 to confirm.
Is IFSC UNBA0000337 the same for all accounts at Palarivattom branch?
Yes. The IFSC UNBA0000337 is shared by every account held at Unity Small finance Bank Limited's Palarivattom branch. Only the account number changes from customer to customer.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Palarivattom branch but serve different purposes.
How do I add Unity Small finance Bank Limited Palarivattom as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UNBA0000337, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UNBA0000337 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UNBA0000337 to send funds instantly.
How quickly will an NEFT transfer using UNBA0000337 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Unity Small finance Bank Limited – Palarivattom reflect within 30 minutes.
Final notes
To recap: UNBA0000337 is the IFSC code of Unity Small finance Bank Limited, PALARIVATTOM branch, in ERNAKULAM, KERALA. 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.
