This page lists the IFSC code, branch address, contact number and fund-transfer information for Unity Small finance Bank Limited, SWAROOP NAGAR branch in KANPUR. The 11-digit IFSC UNBA0000634 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 SWAROOP NAGAR 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 – SWAROOP NAGAR is UNBA0000634. The first four letters UNBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000634 map to this branch in KANPUR, UTTAR PRADESH.
Bank profile
Unity Small finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Swaroop Nagar branch — IFSC UNBA0000634 — extends the bank's services to customers in and around Kanpur, Uttar Pradesh.
Branch details at a glance
| Bank Name | Unity Small finance Bank Limited |
|---|---|
| Branch | Swaroop Nagar |
| IFSC Code | UNBA0000634 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 113/141,SWAROOP NAGAR,KANPUR-208002,UTTAR PRADESH |
| City | Kanpur |
| District | Kanpur Nagar |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 9587017055 |
About this branch
The branch is located at 113/141,SWAROOP NAGAR,KANPUR-208002,UTTAR PRADESH. It serves the Kanpur 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 UNBA0000634 is used to identify this branch on the RBI payments network.
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 SWAROOP NAGAR of Unity Small finance Bank Limited — its own 11-character IFSC. The code UNBA0000634 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 UNBA0000634 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Swaroop Nagar branch
Once you have an account at Unity Small finance Bank Limited – SWAROOP NAGAR, the IFSC UNBA0000634 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 Swaroop Nagar 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 UNBA0000634
How to transfer money using IFSC UNBA0000634
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 UNBA0000634 across all three.
NEFT to Unity Small finance Bank Limited, SWAROOP NAGAR using IFSC UNBA0000634
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 UNBA0000634, and confirm that the system picks up Unity Small finance Bank Limited – SWAROOP NAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UNBA0000634
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 – SWAROOP NAGAR, ensure your bank's portal accepts IFSC UNBA0000634 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Unity Small finance Bank Limited SWAROOP NAGAR (IFSC UNBA0000634)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0000634 in your mobile or internet banking app, and the money is credited to the SWAROOP NAGAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UNBA0000634 for Unity Small finance Bank Limited – SWAROOP NAGAR, 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 – UNBA0000634 | Yes – UNBA0000634 | Yes – UNBA0000634 |
For most retail customers crediting the Swaroop Nagar 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 UNBA0000634
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 – SWAROOP NAGAR is still mapped to IFSC UNBA0000634. 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 UNBA0000634 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Swaroop Nagar branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC UNBA0000634 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
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 UNBA0000634 and the account number together uniquely identify the Swaroop Nagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC UNBA0000634
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 – SWAROOP NAGAR, 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:
UNBA0000634. - 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 Swaroop Nagar branch
The branch is located at 113/141,SWAROOP NAGAR,KANPUR-208002,UTTAR PRADESH, which puts it inside Kanpur, the broader Kanpur Nagar district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Unity Small finance Bank Limited Swaroop Nagar branch” — the verified location pin for IFSC UNBA0000634 should appear at the top of the results.
- Confirm the branch is open by calling 91-9587017055 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 UNBA0000634 and your account number.
Verifying IFSC UNBA0000634 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 UNBA0000634 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9587017055.
- Visiting the bank's official branch locator page.
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 Swaroop Nagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UNBA0000634, however, work 24x7.
Branch address & contact
Unity Small finance Bank LimitedSwaroop Nagar Branch
113/141,SWAROOP NAGAR,KANPUR-208002,UTTAR PRADESH
Kanpur, Uttar Pradesh
Phone: 91-9587017055
IFSC: UNBA0000634
Frequently asked questions
Is IFSC UNBA0000634 the same for all accounts at Swaroop Nagar branch?
Yes. The IFSC UNBA0000634 is shared by every account held at Unity Small finance Bank Limited's Swaroop Nagar branch. Only the account number changes from customer to customer.
Can I use IFSC UNBA0000634 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UNBA0000634 to send funds instantly.
How quickly will an NEFT transfer using UNBA0000634 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Unity Small finance Bank Limited – Swaroop Nagar reflect within 30 minutes.
Does Unity Small finance Bank Limited Swaroop Nagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9587017055 to confirm.
How do I add Unity Small finance Bank Limited Swaroop Nagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UNBA0000634, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Swaroop Nagar branch but serve different purposes.
Is IFSC UNBA0000634 valid for NEFT and RTGS?
Yes. IFSC UNBA0000634 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code UNBA0000634 belongs to Unity Small finance Bank Limited's SWAROOP NAGAR branch, located at 113/141,SWAROOP NAGAR,KANPUR-208002,UTTAR PRADESH in KANPUR, UTTAR PRADESH. 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.
