Use this page as a one-stop reference for everything related to Unity Small finance Bank Limited's MOHALI PHASE THREE B TWO branch in MOHALI, PUNJAB. The branch's IFSC code UNBA0000632 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 MOHALI PHASE THREE B TWO branch, the IFSC UNBA0000632 breaks down as follows: UNBA identifies the bank, 0 is the reserved character, and 000632 identifies this particular branch.
Branch details at a glance
| Bank Name | Unity Small finance Bank Limited |
|---|---|
| Branch | Mohali Phase Three B Two |
| IFSC Code | UNBA0000632 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SCF 60,PAHASE 3B2,SECTOR 60,MOHALI-160059,PUNJAB |
| City | Mohali |
| District | Sahibzada Ajit Singh Nagar |
| State | Punjab |
| STD Code | 91 |
| Phone | 9781699990 |
About Unity Small finance Bank Limited
Unity Small finance Bank Limited operates a wide network of branches across India, including the Mohali Phase Three B Two branch in Mohali. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UNBA0000632.
Mohali Phase Three B Two branch overview
Located at SCF 60,PAHASE 3B2,SECTOR 60,MOHALI-160059,PUNJAB, the Mohali Phase Three B Two branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UNBA0000632 is required for all interbank electronic transfers routed through this branch.
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 MOHALI PHASE THREE B TWO branch came to be assigned the code UNBA0000632.
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 UNBA0000632, money simply cannot be routed to the MOHALI PHASE THREE B TWO branch electronically.
How to transfer money using IFSC UNBA0000632
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 UNBA0000632 across all three.
How to use IFSC UNBA0000632 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 MOHALI PHASE THREE B TWO 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 UNBA0000632.
- Confirm the bank name auto-populates as Unity Small finance Bank Limited and the branch as MOHALI PHASE THREE B TWO.
- 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 MOHALI PHASE THREE B TWO
If you need to transfer ₹2 lakh or more in one go to an account at Unity Small finance Bank Limited's MOHALI PHASE THREE B TWO branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UNBA0000632 while initiating the transfer and the credit will appear within minutes.
IMPS to Unity Small finance Bank Limited MOHALI PHASE THREE B TWO (IFSC UNBA0000632)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0000632 in your mobile or internet banking app, and the money is credited to the MOHALI PHASE THREE B TWO branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Mohali Phase Three B Two
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UNBA0000632:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at MOHALI PHASE THREE B TWO is still linked to IFSC UNBA0000632.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
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 MOHALI PHASE THREE B TWO branch, the IFSC UNBA0000632 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 Mohali Phase Three B Two branch
Once you have an account at Unity Small finance Bank Limited – MOHALI PHASE THREE B TWO, the IFSC UNBA0000632 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 Mohali Phase Three B Two branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9781699990.
- 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 UNBA0000632
MICR & cheque-truncation details
Cheques drawn on the Mohali Phase Three B Two branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UNBA0000632 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 Mohali Phase Three B Two 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 UNBA0000632 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 UNBA0000632
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 – MOHALI PHASE THREE B TWO, 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:
UNBA0000632. - 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 Mohali Phase Three B Two branch
The branch is located at SCF 60,PAHASE 3B2,SECTOR 60,MOHALI-160059,PUNJAB, which puts it inside Mohali, the broader Sahibzada Ajit Singh Nagar district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “Unity Small finance Bank Limited Mohali Phase Three B Two branch” — the verified location pin for IFSC UNBA0000632 should appear at the top of the results.
- Confirm the branch is open by calling 91-9781699990 before stepping out, especially around public holidays.
- 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 UNBA0000632 and your account number.
Verifying IFSC UNBA0000632 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 UNBA0000632 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9781699990.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Mohali Phase Three B Two 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 UNBA0000632 continue to work without interruption.
Branch address & contact
Unity Small finance Bank LimitedMohali Phase Three B Two Branch
SCF 60,PAHASE 3B2,SECTOR 60,MOHALI-160059,PUNJAB
Mohali, Punjab
Phone: 91-9781699990
IFSC: UNBA0000632
Frequently asked questions
Where is Unity Small finance Bank Limited Mohali Phase Three B Two branch located?
Unity Small finance Bank Limited's Mohali Phase Three B Two branch is located at SCF 60,PAHASE 3B2,SECTOR 60,MOHALI-160059,PUNJAB, Mohali, Punjab.
What is the IFSC code of Unity Small finance Bank Limited Mohali Phase Three B Two branch?
The IFSC code of Unity Small finance Bank Limited, Mohali Phase Three B Two branch is UNBA0000632. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Unity Small finance Bank Limited Mohali Phase Three B Two branch?
You can reach the branch at 91-9781699990 during regular banking hours.
How do I add Unity Small finance Bank Limited Mohali Phase Three B Two as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UNBA0000632, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UNBA0000632 valid for NEFT and RTGS?
Yes. IFSC UNBA0000632 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UNBA0000632 the same for all accounts at Mohali Phase Three B Two branch?
Yes. The IFSC UNBA0000632 is shared by every account held at Unity Small finance Bank Limited's Mohali Phase Three B Two branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using UNBA0000632 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Unity Small finance Bank Limited – Mohali Phase Three B Two reflect within 30 minutes.
Final notes
To recap: UNBA0000632 is the IFSC code of Unity Small finance Bank Limited, MOHALI PHASE THREE B TWO branch, in MOHALI, PUNJAB. 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.
