IFSC Code of Unity Small finance Bank Limited, Laxmipura Branch, Rajasthan

If you are searching for the IFSC code of Unity Small finance Bank Limited, LAXMIPURA branch in KOTA, RAJASTHAN, this page has every detail you need. The verified IFSC code for this branch is UNBA0001103. 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 LAXMIPURA branch, and detailed step-by-step guides for using the IFSC UNBA0001103 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 LAXMIPURA branch, the IFSC UNBA0001103 breaks down as follows: UNBA identifies the bank, 0 is the reserved character, and 001103 identifies this particular branch.

Branch details at a glance

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 Laxmipura branch in Kota, Rajasthan is part of this network and uses the IFSC code UNBA0001103 for all electronic settlement.

About the Laxmipura branch

The Laxmipura branch of Unity Small finance Bank Limited is situated at VIJAY KUMAR MEHTA S/O JODHARAJ, SHOP NO 01,02, VILLAGE-LAXMIPURA, SANGOD ROAD, AMRIT KHERI TEHSI-PIPALDA, DIST-KOTA, RAJASHTAN, PIN CODE-325601. 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 UNBA0001103 is used.

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 LAXMIPURA of Unity Small finance Bank Limited — its own 11-character IFSC. The code UNBA0001103 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 UNBA0001103 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 UNBA0001103

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 UNBA0001103 across all three.

How to use IFSC UNBA0001103 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 LAXMIPURA 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 UNBA0001103.
4. Confirm the bank name auto-populates as Unity Small finance Bank Limited and the branch as LAXMIPURA.
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 LAXMIPURA

If you need to transfer ₹2 lakh or more in one go to an account at Unity Small finance Bank Limited's LAXMIPURA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UNBA0001103 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 – LAXMIPURA, use IMPS. With IFSC UNBA0001103 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 UNBA0001103 for Unity Small finance Bank Limited – LAXMIPURA, 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 Laxmipura 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 LAXMIPURA branch, the IFSC UNBA0001103 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.

Account types you can open at the Laxmipura branch

Once you have an account at Unity Small finance Bank Limited – LAXMIPURA, the IFSC UNBA0001103 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.

Banking services available

The Laxmipura branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9785229906.

• 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 UNBA0001103

MICR & cheque-truncation details

Cheques drawn on the Laxmipura branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UNBA0001103 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Laxmipura 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 UNBA0001103 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.

Common mistakes to avoid when using IFSC UNBA0001103

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 – LAXMIPURA, 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: UNBA0001103.
• 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 Laxmipura branch sits at VIJAY KUMAR MEHTA S/O JODHARAJ, SHOP NO 01,02, VILLAGE-LAXMIPURA, SANGOD ROAD, AMRIT KHERI TEHSI-PIPALDA, DIST-KOTA, RAJASHTAN, PIN CODE-325601. If you are travelling from outside Kota, search for the branch on a maps application using the bank name and locality, or call 91-9785229906 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 UNBA0001103 and your account number.

Verifying IFSC UNBA0001103 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 UNBA0001103 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9785229906.
• 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 Laxmipura branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UNBA0001103, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UNBA0001103 belongs to Unity Small finance Bank Limited's LAXMIPURA branch, located at VIJAY KUMAR MEHTA S/O JODHARAJ, SHOP NO 01,02, VILLAGE-LAXMIPURA, SANGOD ROAD,… in KOTA, RAJASTHAN. 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.