IFSC Code of Unity Small finance Bank Limited, Rashbehari Avenue Branch, West Bengal

Use this page as a one-stop reference for everything related to Unity Small finance Bank Limited's RASHBEHARI AVENUE branch in KOLKATA, WEST BENGAL. The branch's IFSC code UNBA0000704 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 RASHBEHARI AVENUE branch, the IFSC UNBA0000704 breaks down as follows: UNBA identifies the bank, 0 is the reserved character, and 000704 identifies this particular branch.

Branch details at a glance

Bank profile

Unity Small finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Rashbehari Avenue branch — IFSC UNBA0000704 — extends the bank's services to customers in and around Kolkata, West Bengal.

About the Rashbehari Avenue branch

The Rashbehari Avenue branch of Unity Small finance Bank Limited is situated at GROUND FLOOR, NARAYANI BUILDING, 112A RASHBEHARI AVENUE, KOLKATA - 700029, 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 UNBA0000704 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 RASHBEHARI AVENUE branch came to be assigned the code UNBA0000704.

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 UNBA0000704, money simply cannot be routed to the RASHBEHARI AVENUE branch electronically.

How to transfer money using IFSC UNBA0000704

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 UNBA0000704 across all three.

How to use IFSC UNBA0000704 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 RASHBEHARI AVENUE 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 UNBA0000704.
4. Confirm the bank name auto-populates as Unity Small finance Bank Limited and the branch as RASHBEHARI AVENUE.
5. 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 RASHBEHARI AVENUE

If you need to transfer ₹2 lakh or more in one go to an account at Unity Small finance Bank Limited's RASHBEHARI AVENUE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UNBA0000704 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Unity Small finance Bank Limited – RASHBEHARI AVENUE, use IMPS. With IFSC UNBA0000704 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC UNBA0000704 for Unity Small finance Bank Limited – RASHBEHARI AVENUE, 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 Rashbehari Avenue 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 UNBA0000704

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 – RASHBEHARI AVENUE is still mapped to IFSC UNBA0000704. 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 UNBA0000704 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Rashbehari Avenue branch is mapped to IFSC UNBA0000704 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 UNBA0000704.

Banking services available

The Rashbehari Avenue branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-8076821794.

• 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 UNBA0000704

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 UNBA0000704 and the account number together uniquely identify the Rashbehari Avenue branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UNBA0000704

Unity Small finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the RASHBEHARI AVENUE 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 UNBA0000704 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 UNBA0000704

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 – RASHBEHARI AVENUE, 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: UNBA0000704.
• 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 Rashbehari Avenue branch

The branch is located at GROUND FLOOR, NARAYANI BUILDING, 112A RASHBEHARI AVENUE, KOLKATA - 700029, WEST BENGAL, which puts it inside Kolkata, the broader Kolkata district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Unity Small finance Bank Limited Rashbehari Avenue branch” — the verified location pin for IFSC UNBA0000704 should appear at the top of the results.
2. Confirm the branch is open by calling 33-8076821794 before stepping out, especially around public holidays.
3. 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 UNBA0000704 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UNBA0000704 for Unity Small finance Bank Limited – RASHBEHARI AVENUE, 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.

Working hours

Branch counters at Rashbehari Avenue 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 UNBA0000704 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UNBA0000704 is the IFSC code of Unity Small finance Bank Limited, RASHBEHARI AVENUE 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.