Below are the complete branch details for Unity Small finance Bank Limited, GOMTI NAGAR branch, located in LUCKNOW, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is UNBA0000637. 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 UNBA0000637 for Unity Small finance Bank Limited – GOMTI NAGAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Unity Small finance Bank Limited – GOMTI NAGAR is UNBA0000637. The first four letters UNBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000637 map to this branch in LUCKNOW, UTTAR PRADESH.
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 Gomti Nagar branch in Lucknow, Uttar Pradesh is part of this network and uses the IFSC code UNBA0000637 for all electronic settlement.
Gomti Nagar branch overview
Located at 1/274,VIRAM KHAND,GOMTI NAGAR,LUCKNOW-226010,UTTAR PRADESH, the Gomti Nagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UNBA0000637 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Unity Small finance Bank Limited |
|---|---|
| Branch | Gomti Nagar |
| IFSC Code | UNBA0000637 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 1/274,VIRAM KHAND,GOMTI NAGAR,LUCKNOW-226010,UTTAR PRADESH |
| City | Lucknow |
| District | Lucknow |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 9587017055 |
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 GOMTI NAGAR of Unity Small finance Bank Limited — its own 11-character IFSC. The code UNBA0000637 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 UNBA0000637 the same way you would treat your account number — verify it once and save it carefully for future use.
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 UNBA0000637 and the account number together uniquely identify the Gomti Nagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UNBA0000637
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 UNBA0000637 across all three.
How to use IFSC UNBA0000637 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 GOMTI NAGAR 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UNBA0000637.
- Confirm the bank name auto-populates as Unity Small finance Bank Limited and the branch as GOMTI NAGAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UNBA0000637
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 – GOMTI NAGAR, ensure your bank's portal accepts IFSC UNBA0000637 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 – GOMTI NAGAR, use IMPS. With IFSC UNBA0000637 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 UNBA0000637 for Unity Small finance Bank Limited – GOMTI NAGAR, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – UNBA0000637 | Yes – UNBA0000637 | Yes – UNBA0000637 |
For most retail customers crediting the Gomti Nagar 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 UNBA0000637
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 – GOMTI NAGAR is still mapped to IFSC UNBA0000637. 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 UNBA0000637 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Gomti Nagar branch is mapped to IFSC UNBA0000637 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 UNBA0000637.
Products and services
Customers walking into the Gomti Nagar 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 UNBA0000637
Online banking and IFSC UNBA0000637
Unity Small finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the GOMTI NAGAR 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 UNBA0000637 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 Gomti Nagar branch sits at 1/274,VIRAM KHAND,GOMTI NAGAR,LUCKNOW-226010,UTTAR PRADESH. If you are travelling from outside Lucknow, search for the branch on a maps application using the bank name and locality, or call 91-9587017055 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 UNBA0000637 and your account number.
Common mistakes to avoid when using IFSC UNBA0000637
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 – GOMTI NAGAR, 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:
UNBA0000637. - 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.
Working hours
Branch counters at Gomti Nagar 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 UNBA0000637 continue to work without interruption.
Verifying IFSC UNBA0000637 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 UNBA0000637 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9587017055.
- Visiting the bank's official branch locator page.
Branch address & contact
Unity Small finance Bank LimitedGomti Nagar Branch
1/274,VIRAM KHAND,GOMTI NAGAR,LUCKNOW-226010,UTTAR PRADESH
Lucknow, Uttar Pradesh
Phone: 91-9587017055
IFSC: UNBA0000637
Frequently asked questions
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Gomti Nagar branch but serve different purposes.
Where is Unity Small finance Bank Limited Gomti Nagar branch located?
Unity Small finance Bank Limited's Gomti Nagar branch is located at 1/274,VIRAM KHAND,GOMTI NAGAR,LUCKNOW-226010,UTTAR PRADESH, Lucknow, Uttar Pradesh.
What is the phone number of Unity Small finance Bank Limited Gomti Nagar branch?
You can reach the branch at 91-9587017055 during regular banking hours.
Does Unity Small finance Bank Limited Gomti Nagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9587017055 to confirm.
How quickly will an NEFT transfer using UNBA0000637 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Unity Small finance Bank Limited – Gomti Nagar reflect within 30 minutes.
Is IFSC UNBA0000637 valid for NEFT and RTGS?
Yes. IFSC UNBA0000637 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC UNBA0000637 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UNBA0000637 to send funds instantly.
Summary
The IFSC code UNBA0000637 belongs to Unity Small finance Bank Limited's GOMTI NAGAR branch, located at 1/274,VIRAM KHAND,GOMTI NAGAR,LUCKNOW-226010,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.
