IFSC Code of Unity Small finance Bank Limited, Crown Mall Lucknow Branch, Uttar Pradesh

Below are the complete branch details for Unity Small finance Bank Limited, CROWN MALL LUCKNOW branch, located in LUCKNOW, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is UNBA0000640. 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 UNBA0000640 for Unity Small finance Bank Limited – CROWN MALL LUCKNOW — 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, UNBA0000640 is the IFSC of Unity Small finance Bank Limited's CROWN MALL LUCKNOW branch. The format is fixed: UNBA = bank code, 0 = reserved, 000640 = branch identifier.

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 Crown Mall Lucknow branch in Lucknow, Uttar Pradesh is part of this network and uses the IFSC code UNBA0000640 for all electronic settlement.

Crown Mall Lucknow branch overview

Located at UNIT NO.2 B,CROWN MALL,AYODHYA ROAD,CHINHAT,SEMRA,LUCKNOW-226028,UTTAR PRADESH, the Crown Mall Lucknow branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UNBA0000640 is required for all interbank electronic transfers routed through this branch.

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 CROWN MALL LUCKNOW branch came to be assigned the code UNBA0000640.

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 UNBA0000640, money simply cannot be routed to the CROWN MALL LUCKNOW branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Crown Mall Lucknow branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UNBA0000640 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC UNBA0000640

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 UNBA0000640 across all three.

NEFT to Unity Small finance Bank Limited, CROWN MALL LUCKNOW using IFSC UNBA0000640

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 UNBA0000640, and confirm that the system picks up Unity Small finance Bank Limited – CROWN MALL LUCKNOW. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CROWN MALL LUCKNOW

If you need to transfer ₹2 lakh or more in one go to an account at Unity Small finance Bank Limited's CROWN MALL LUCKNOW branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UNBA0000640 while initiating the transfer and the credit will appear within minutes.

IMPS to Unity Small finance Bank Limited CROWN MALL LUCKNOW (IFSC UNBA0000640)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0000640 in your mobile or internet banking app, and the money is credited to the CROWN MALL LUCKNOW branch account within seconds.

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

All three modes accept the IFSC UNBA0000640 for Unity Small finance Bank Limited – CROWN MALL LUCKNOW, 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 Crown Mall Lucknow 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 CROWN MALL LUCKNOW branch, the IFSC UNBA0000640 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 Crown Mall Lucknow branch

Once you have an account at Unity Small finance Bank Limited – CROWN MALL LUCKNOW, the IFSC UNBA0000640 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 Crown Mall Lucknow 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 UNBA0000640

Online banking and IFSC UNBA0000640

Unity Small finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CROWN MALL LUCKNOW 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 UNBA0000640 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.

How to reach the Crown Mall Lucknow branch

The branch is located at UNIT NO.2 B,CROWN MALL,AYODHYA ROAD,CHINHAT,SEMRA,LUCKNOW-226028,UTTAR PRADESH, which puts it inside Lucknow, the broader Lucknow district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Unity Small finance Bank Limited Crown Mall Lucknow branch” — the verified location pin for IFSC UNBA0000640 should appear at the top of the results.
2. Confirm the branch is open by calling 91-7897176144 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 UNBA0000640 and your account number.

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 – CROWN MALL LUCKNOW:

• The IFSC is exactly UNBA0000640 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 CROWN MALL LUCKNOW 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.

Working hours

Branch counters at Crown Mall Lucknow 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 UNBA0000640 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UNBA0000640 for Unity Small finance Bank Limited – CROWN MALL LUCKNOW, 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

Summary

The IFSC code UNBA0000640 belongs to Unity Small finance Bank Limited's CROWN MALL LUCKNOW branch, located at UNIT NO.2 B,CROWN MALL,AYODHYA ROAD,CHINHAT,SEMRA,LUCKNOW-226028,UTTAR PRADESH in LUCKNOW, 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.