IFSC Code of Unity Small finance Bank Limited, Bbd Bagh Dalhousie Branch, West Bengal

Below are the complete branch details for Unity Small finance Bank Limited, BBD BAGH DALHOUSIE branch, located in KOLKATA, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is UNBA0000703. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UNBA0000703 for Unity Small finance Bank Limited – BBD BAGH DALHOUSIE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, UNBA0000703 is the IFSC of Unity Small finance Bank Limited's BBD BAGH DALHOUSIE branch. The format is fixed: UNBA = bank code, 0 = reserved, 000703 = branch identifier.

Bank profile

Unity Small finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Bbd Bagh Dalhousie branch — IFSC UNBA0000703 — extends the bank's services to customers in and around Kolkata, West Bengal.

About the Bbd Bagh Dalhousie branch

The Bbd Bagh Dalhousie branch of Unity Small finance Bank Limited is situated at GROUND FLOOR, UNIT NO 64A, HEMANTA BASU SARANI, BBD BAGH, DALHOUSIE, KOLKATA - 700001, WEST BENGAL. 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 UNBA0000703 is used.

Branch details at a glance

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 BBD BAGH DALHOUSIE branch came to be assigned the code UNBA0000703.

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 UNBA0000703, money simply cannot be routed to the BBD BAGH DALHOUSIE branch electronically.

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 UNBA0000703 and the account number together uniquely identify the Bbd Bagh Dalhousie branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UNBA0000703

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 UNBA0000703 across all three.

NEFT to Unity Small finance Bank Limited, BBD BAGH DALHOUSIE using IFSC UNBA0000703

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 UNBA0000703, and confirm that the system picks up Unity Small finance Bank Limited – BBD BAGH DALHOUSIE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UNBA0000703

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 – BBD BAGH DALHOUSIE, ensure your bank's portal accepts IFSC UNBA0000703 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Unity Small finance Bank Limited BBD BAGH DALHOUSIE (IFSC UNBA0000703)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0000703 in your mobile or internet banking app, and the money is credited to the BBD BAGH DALHOUSIE branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UNBA0000703 for Unity Small finance Bank Limited – BBD BAGH DALHOUSIE, 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.

For most retail customers crediting the Bbd Bagh Dalhousie 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 UNBA0000703

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 – BBD BAGH DALHOUSIE is still mapped to IFSC UNBA0000703. 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 UNBA0000703 and the beneficiary's account number to complete the transfer.

Account types you can open at the Bbd Bagh Dalhousie branch

Once you have an account at Unity Small finance Bank Limited – BBD BAGH DALHOUSIE, the IFSC UNBA0000703 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 Bbd Bagh Dalhousie 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 UNBA0000703

Online banking and IFSC UNBA0000703

Unity Small finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BBD BAGH DALHOUSIE 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 UNBA0000703 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.

Reaching the branch

The Bbd Bagh Dalhousie branch sits at GROUND FLOOR, UNIT NO 64A, HEMANTA BASU SARANI, BBD BAGH, DALHOUSIE, KOLKATA - 700001, WEST BENGAL. If you are travelling from outside Kolkata, search for the branch on a maps application using the bank name and locality, or call 33-9874700233 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 UNBA0000703 and your account number.

Common mistakes to avoid when using IFSC UNBA0000703

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 – BBD BAGH DALHOUSIE, 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: UNBA0000703.
• 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.

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 Bbd Bagh Dalhousie branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UNBA0000703, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UNBA0000703 for Unity Small finance Bank Limited – BBD BAGH DALHOUSIE, 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.

Branch address & contact

Frequently asked questions

Final notes

To recap: UNBA0000703 is the IFSC code of Unity Small finance Bank Limited, BBD BAGH DALHOUSIE branch, in KOLKATA, WEST BENGAL. 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.