If you are searching for the IFSC code of Unity Small finance Bank Limited, SIRSI branch in KARNATAKA, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is UNBA0000302. 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 SIRSI branch, and detailed step-by-step guides for using the IFSC UNBA0000302 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.
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 – SIRSI is UNBA0000302. The first four letters UNBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000302 map to this branch in KARNATAKA, KARNATAKA.
Branch details at a glance
| Bank Name | Unity Small finance Bank Limited |
|---|---|
| Branch | Sirsi |
| IFSC Code | UNBA0000302 |
| MICR Code | Refer to cheque leaf |
| Branch Address | C.P.BAZAR,SIRSI,DIST.UTTAR KANNADA , KARNATAKA-581401 |
| City | Karnataka |
| District | Uttar Kannada |
| State | Karnataka |
| STD Code | 80 |
| Phone | 9483307573 |
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 Sirsi branch in Karnataka, Karnataka is part of this network and uses the IFSC code UNBA0000302 for all electronic settlement.
About the Sirsi branch
The Sirsi branch of Unity Small finance Bank Limited is situated at C.P.BAZAR,SIRSI,DIST.UTTAR KANNADA , KARNATAKA-581401. 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 UNBA0000302 is used.
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 SIRSI branch came to be assigned the code UNBA0000302.
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 UNBA0000302, money simply cannot be routed to the SIRSI branch electronically.
How to transfer money using IFSC UNBA0000302
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 UNBA0000302 across all three.
How to use IFSC UNBA0000302 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 SIRSI 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UNBA0000302.
- Confirm the bank name auto-populates as Unity Small finance Bank Limited and the branch as SIRSI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to SIRSI
If you need to transfer ₹2 lakh or more in one go to an account at Unity Small finance Bank Limited's SIRSI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UNBA0000302 while initiating the transfer and the credit will appear within minutes.
IMPS to Unity Small finance Bank Limited SIRSI (IFSC UNBA0000302)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0000302 in your mobile or internet banking app, and the money is credited to the SIRSI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Sirsi
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 UNBA0000302:
- 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 SIRSI is still linked to IFSC UNBA0000302.
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 UNBA0000302
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 – SIRSI is still mapped to IFSC UNBA0000302. 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 UNBA0000302 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Sirsi branch is mapped to IFSC UNBA0000302 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 UNBA0000302.
Products and services
Customers walking into the Sirsi 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 UNBA0000302
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 UNBA0000302 and the account number together uniquely identify the Sirsi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Sirsi 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 UNBA0000302 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.
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 – SIRSI:
- The IFSC is exactly UNBA0000302 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 SIRSI 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 Sirsi branch sits at C.P.BAZAR,SIRSI,DIST.UTTAR KANNADA , KARNATAKA-581401. If you are travelling from outside Karnataka, search for the branch on a maps application using the bank name and locality, or call 80-9483307573 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 UNBA0000302 and your account number.
Verifying IFSC UNBA0000302 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 UNBA0000302 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 80-9483307573.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Sirsi 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 UNBA0000302 continue to work without interruption.
Branch address & contact
Unity Small finance Bank LimitedSirsi Branch
C.P.BAZAR,SIRSI,DIST.UTTAR KANNADA , KARNATAKA-581401
Karnataka, Karnataka
Phone: 80-9483307573
IFSC: UNBA0000302
Frequently asked questions
Is IFSC UNBA0000302 the same for all accounts at Sirsi branch?
Yes. The IFSC UNBA0000302 is shared by every account held at Unity Small finance Bank Limited's Sirsi branch. Only the account number changes from customer to customer.
What is the phone number of Unity Small finance Bank Limited Sirsi branch?
You can reach the branch at 80-9483307573 during regular banking hours.
Is IFSC UNBA0000302 valid for NEFT and RTGS?
Yes. IFSC UNBA0000302 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Unity Small finance Bank Limited Sirsi branch?
The IFSC code of Unity Small finance Bank Limited, Sirsi branch is UNBA0000302. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Unity Small finance Bank Limited Sirsi branch located?
Unity Small finance Bank Limited's Sirsi branch is located at C.P.BAZAR,SIRSI,DIST.UTTAR KANNADA , KARNATAKA-581401, Karnataka, Karnataka.
How do I add Unity Small finance Bank Limited Sirsi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UNBA0000302, 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 Sirsi branch but serve different purposes.
Does Unity Small finance Bank Limited Sirsi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 80-9483307573 to confirm.
Final notes
To recap: UNBA0000302 is the IFSC code of Unity Small finance Bank Limited, SIRSI branch, in KARNATAKA, KARNATAKA. 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.
