IFSC Code of Unity Small finance Bank Limited, Khudana Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Unity Small finance Bank Limited's KHUDANA branch in KHUDANA, UTTAR PRADESH. The branch's IFSC code UNBA0001051 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.

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 KHUDANA branch, the IFSC UNBA0001051 breaks down as follows: UNBA identifies the bank, 0 is the reserved character, and 001051 identifies this particular branch.

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 Khudana branch in Khudana, Uttar Pradesh is part of this network and uses the IFSC code UNBA0001051 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at VILLAGE AND POST-KHUDANA,BLOCK-NANUTA,TEHSIL-RAMPUR MANIHARAN,DIST-SAHARANPUR,UTTAR PRADESH-247452. It serves the Khudana 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 UNBA0001051 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 KHUDANA of Unity Small finance Bank Limited — its own 11-character IFSC. The code UNBA0001051 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 UNBA0001051 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Khudana branch is mapped to IFSC UNBA0001051 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 UNBA0001051.

Banking services available

The Khudana branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8445380440.

• 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 UNBA0001051

How to transfer money using IFSC UNBA0001051

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 UNBA0001051 across all three.

How to use IFSC UNBA0001051 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 KHUDANA 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UNBA0001051.
4. Confirm the bank name auto-populates as Unity Small finance Bank Limited and the branch as KHUDANA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UNBA0001051

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 – KHUDANA, ensure your bank's portal accepts IFSC UNBA0001051 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Unity Small finance Bank Limited – KHUDANA, use IMPS. With IFSC UNBA0001051 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Khudana

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 UNBA0001051:

• 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 KHUDANA is still linked to IFSC UNBA0001051.

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.

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 KHUDANA branch, the IFSC UNBA0001051 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.

Online banking and IFSC UNBA0001051

Unity Small finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KHUDANA 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 UNBA0001051 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.

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 UNBA0001051 and the account number together uniquely identify the Khudana branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – KHUDANA:

• The IFSC is exactly UNBA0001051 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 KHUDANA 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 Khudana branch sits at VILLAGE AND POST-KHUDANA,BLOCK-NANUTA,TEHSIL-RAMPUR MANIHARAN,DIST-SAHARANPUR,UTTAR PRADESH-247452. If you are travelling from outside Khudana, search for the branch on a maps application using the bank name and locality, or call 91-8445380440 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 UNBA0001051 and your account number.

Verifying IFSC UNBA0001051 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 UNBA0001051 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-8445380440.
• 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 Khudana branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UNBA0001051, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UNBA0001051 belongs to Unity Small finance Bank Limited's KHUDANA branch, located at VILLAGE AND POST-KHUDANA,BLOCK-NANUTA,TEHSIL-RAMPUR… in KHUDANA, 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.