If you are searching for the IFSC code of Unity Small finance Bank Limited, KHAPARAPADA branch in KHAPARAPADA, ODISHA, this page has every detail you need. The verified IFSC code for this branch is UNBA0001050. 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 KHAPARAPADA branch, and detailed step-by-step guides for using the IFSC UNBA0001050 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Unity Small finance Bank Limited's KHAPARAPADA branch, the IFSC UNBA0001050 breaks down as follows: UNBA identifies the bank, 0 is the reserved character, and 001050 identifies this particular branch.
Branch details at a glance
| Bank Name | Unity Small finance Bank Limited |
|---|---|
| Branch | Khaparapada |
| IFSC Code | UNBA0001050 |
| MICR Code | Refer to cheque leaf |
| Branch Address | C/O BINAPANI BEHRA,AT POST KHAPARAPADA,PLOT NO 906/2360,VIA-ARNNAPAL,PS-DHUSURI,DIST-BHADRAK,ODISHA,PIN-756116 |
| City | Khaparapada |
| District | Bhadrak |
| State | Odisha |
| STD Code | 91 |
| Phone | 9556711916 |
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 Khaparapada branch in Khaparapada, Odisha is part of this network and uses the IFSC code UNBA0001050 for all electronic settlement.
About this branch
The branch is located at C/O BINAPANI BEHRA,AT POST KHAPARAPADA,PLOT NO 906/2360,VIA-ARNNAPAL,PS-DHUSURI,DIST-BHADRAK,ODISHA,PIN-756116. It serves the Khaparapada 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 UNBA0001050 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 KHAPARAPADA of Unity Small finance Bank Limited — its own 11-character IFSC. The code UNBA0001050 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 UNBA0001050 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 UNBA0001050
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 UNBA0001050 across all three.
NEFT to Unity Small finance Bank Limited, KHAPARAPADA using IFSC UNBA0001050
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 UNBA0001050, and confirm that the system picks up Unity Small finance Bank Limited – KHAPARAPADA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UNBA0001050
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 – KHAPARAPADA, ensure your bank's portal accepts IFSC UNBA0001050 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Unity Small finance Bank Limited KHAPARAPADA (IFSC UNBA0001050)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0001050 in your mobile or internet banking app, and the money is credited to the KHAPARAPADA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UNBA0001050 for Unity Small finance Bank Limited – KHAPARAPADA, 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 – UNBA0001050 | Yes – UNBA0001050 | Yes – UNBA0001050 |
For most retail customers crediting the Khaparapada 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 KHAPARAPADA branch, the IFSC UNBA0001050 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 Khaparapada branch is mapped to IFSC UNBA0001050 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 UNBA0001050.
Products and services
Customers walking into the Khaparapada 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 UNBA0001050
MICR & cheque-truncation details
Cheques drawn on the Khaparapada branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UNBA0001050 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UNBA0001050
Unity Small finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KHAPARAPADA 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 UNBA0001050 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 UNBA0001050
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 – KHAPARAPADA, 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:
UNBA0001050. - 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.
Reaching the branch
The Khaparapada branch sits at C/O BINAPANI BEHRA,AT POST KHAPARAPADA,PLOT NO 906/2360,VIA-ARNNAPAL,PS-DHUSURI,DIST-BHADRAK,ODISHA,PIN-756116. If you are travelling from outside Khaparapada, search for the branch on a maps application using the bank name and locality, or call 91-9556711916 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 UNBA0001050 and your account number.
Verifying IFSC UNBA0001050 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 UNBA0001050 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9556711916.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Khaparapada 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 UNBA0001050 continue to work without interruption.
Branch address & contact
Unity Small finance Bank LimitedKhaparapada Branch
C/O BINAPANI BEHRA,AT POST KHAPARAPADA,PLOT NO 906/2360,VIA-ARNNAPAL,PS-DHUSURI,DIST-BHADRAK,ODISHA,PIN-756116
Khaparapada, Odisha
Phone: 91-9556711916
IFSC: UNBA0001050
Frequently asked questions
How do I add Unity Small finance Bank Limited Khaparapada as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UNBA0001050, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UNBA0001050 valid for NEFT and RTGS?
Yes. IFSC UNBA0001050 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 Khaparapada branch?
The IFSC code of Unity Small finance Bank Limited, Khaparapada branch is UNBA0001050. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Unity Small finance Bank Limited Khaparapada branch located?
Unity Small finance Bank Limited's Khaparapada branch is located at C/O BINAPANI BEHRA,AT POST KHAPARAPADA,PLOT NO 906/2360,VIA-ARNNAPAL,PS-DHUSURI,DIST-BHADRAK,ODISHA,PIN-756116, Khaparapada, Odisha.
How quickly will an NEFT transfer using UNBA0001050 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Unity Small finance Bank Limited – Khaparapada reflect within 30 minutes.
What is the phone number of Unity Small finance Bank Limited Khaparapada branch?
You can reach the branch at 91-9556711916 during regular banking hours.
Is IFSC UNBA0001050 the same for all accounts at Khaparapada branch?
Yes. The IFSC UNBA0001050 is shared by every account held at Unity Small finance Bank Limited's Khaparapada branch. Only the account number changes from customer to customer.
Does Unity Small finance Bank Limited Khaparapada branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9556711916 to confirm.
Final notes
To recap: UNBA0001050 is the IFSC code of Unity Small finance Bank Limited, KHAPARAPADA branch, in KHAPARAPADA, ODISHA. 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.
