Use this page as a one-stop reference for everything related to Unity Small finance Bank Limited's JANMURA branch in JANMURA, ODISHA. The branch's IFSC code UNBA0001043 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, UNBA0001043 is the IFSC of Unity Small finance Bank Limited's JANMURA branch. The format is fixed: UNBA = bank code, 0 = reserved, 001043 = branch identifier.
Branch details at a glance
| Bank Name | Unity Small finance Bank Limited |
|---|---|
| Branch | Janmura |
| IFSC Code | UNBA0001043 |
| MICR Code | Refer to cheque leaf |
| Branch Address | FIRST FLOOR,JANMURA,POST OFFICE-SONEPURA,TALUKA AND DISTRICT-SONEPUR,ODISHA,PIN-767017 |
| City | Janmura |
| District | Sonepur |
| State | Odisha |
| STD Code | 91 |
| Phone | 9937921045 |
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 Janmura branch in Janmura, Odisha is part of this network and uses the IFSC code UNBA0001043 for all electronic settlement.
About the Janmura branch
The Janmura branch of Unity Small finance Bank Limited is situated at FIRST FLOOR,JANMURA,POST OFFICE-SONEPURA,TALUKA AND DISTRICT-SONEPUR,ODISHA,PIN-767017. 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 UNBA0001043 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 JANMURA of Unity Small finance Bank Limited — its own 11-character IFSC. The code UNBA0001043 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 UNBA0001043 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 UNBA0001043
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 UNBA0001043 across all three.
NEFT to Unity Small finance Bank Limited, JANMURA using IFSC UNBA0001043
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 UNBA0001043, and confirm that the system picks up Unity Small finance Bank Limited – JANMURA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UNBA0001043
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 – JANMURA, ensure your bank's portal accepts IFSC UNBA0001043 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Unity Small finance Bank Limited JANMURA (IFSC UNBA0001043)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0001043 in your mobile or internet banking app, and the money is credited to the JANMURA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UNBA0001043 for Unity Small finance Bank Limited – JANMURA, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – UNBA0001043 | Yes – UNBA0001043 | Yes – UNBA0001043 |
For most retail customers crediting the Janmura 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 JANMURA branch, the IFSC UNBA0001043 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 Janmura branch is mapped to IFSC UNBA0001043 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 UNBA0001043.
Banking services available
The Janmura branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9937921045.
- 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 UNBA0001043
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 UNBA0001043 and the account number together uniquely identify the Janmura branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UNBA0001043
Unity Small finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the JANMURA 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 UNBA0001043 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.
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 – JANMURA:
- The IFSC is exactly UNBA0001043 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 JANMURA 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 Janmura branch sits at FIRST FLOOR,JANMURA,POST OFFICE-SONEPURA,TALUKA AND DISTRICT-SONEPUR,ODISHA,PIN-767017. If you are travelling from outside Janmura, search for the branch on a maps application using the bank name and locality, or call 91-9937921045 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 UNBA0001043 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UNBA0001043 for Unity Small finance Bank Limited – JANMURA, 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 Janmura 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 UNBA0001043 continue to work without interruption.
Branch address & contact
Unity Small finance Bank LimitedJanmura Branch
FIRST FLOOR,JANMURA,POST OFFICE-SONEPURA,TALUKA AND DISTRICT-SONEPUR,ODISHA,PIN-767017
Janmura, Odisha
Phone: 91-9937921045
IFSC: UNBA0001043
Frequently asked questions
Is IFSC UNBA0001043 valid for NEFT and RTGS?
Yes. IFSC UNBA0001043 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Janmura branch but serve different purposes.
Can I use IFSC UNBA0001043 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UNBA0001043 to send funds instantly.
How do I add Unity Small finance Bank Limited Janmura as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UNBA0001043, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UNBA0001043 the same for all accounts at Janmura branch?
Yes. The IFSC UNBA0001043 is shared by every account held at Unity Small finance Bank Limited's Janmura branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using UNBA0001043 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Unity Small finance Bank Limited – Janmura reflect within 30 minutes.
Does Unity Small finance Bank Limited Janmura branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9937921045 to confirm.
What is the phone number of Unity Small finance Bank Limited Janmura branch?
You can reach the branch at 91-9937921045 during regular banking hours.
Summary
The IFSC code UNBA0001043 belongs to Unity Small finance Bank Limited's JANMURA branch, located at FIRST FLOOR,JANMURA,POST OFFICE-SONEPURA,TALUKA AND… in JANMURA, ODISHA. 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.
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