IFSC Code of Unity Small finance Bank Limited, Sirsa Inayatpur Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Unity Small finance Bank Limited's SIRSA INAYATPUR branch in MORADABAD, UTTAR PRADESH. The branch's IFSC code UNBA0001113 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.

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 – SIRSA INAYATPUR is UNBA0001113. The first four letters UNBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001113 map to this branch in MORADABAD, 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 Sirsa Inayatpur branch in Moradabad, Uttar Pradesh is part of this network and uses the IFSC code UNBA0001113 for all electronic settlement.

About the Sirsa Inayatpur branch

The Sirsa Inayatpur branch of Unity Small finance Bank Limited is situated at VILLAGE SISRA INAYATPUR, NAYA GAON THANA KHATGHAR POST DEVAPUR MORADABAD UTTAR PRADESH, PIN CODE-244001. 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 UNBA0001113 is used.

Branch details at a glance

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 SIRSA INAYATPUR of Unity Small finance Bank Limited — its own 11-character IFSC. The code UNBA0001113 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 UNBA0001113 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 UNBA0001113 and the account number together uniquely identify the Sirsa Inayatpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UNBA0001113

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 UNBA0001113 across all three.

How to use IFSC UNBA0001113 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 SIRSA INAYATPUR 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 UNBA0001113.
4. Confirm the bank name auto-populates as Unity Small finance Bank Limited and the branch as SIRSA INAYATPUR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UNBA0001113

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 – SIRSA INAYATPUR, ensure your bank's portal accepts IFSC UNBA0001113 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Unity Small finance Bank Limited SIRSA INAYATPUR (IFSC UNBA0001113)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0001113 in your mobile or internet banking app, and the money is credited to the SIRSA INAYATPUR branch account within seconds.

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

All three modes accept the IFSC UNBA0001113 for Unity Small finance Bank Limited – SIRSA INAYATPUR, 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 Sirsa Inayatpur 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 UNBA0001113

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 – SIRSA INAYATPUR is still mapped to IFSC UNBA0001113. 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 UNBA0001113 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Sirsa Inayatpur branch is mapped to IFSC UNBA0001113 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 UNBA0001113.

Products and services

Customers walking into the Sirsa Inayatpur 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 UNBA0001113

Online banking and IFSC UNBA0001113

Unity Small finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SIRSA INAYATPUR 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 UNBA0001113 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 Sirsa Inayatpur branch

The branch is located at VILLAGE SISRA INAYATPUR, NAYA GAON THANA KHATGHAR POST DEVAPUR MORADABAD UTTAR PRADESH, PIN CODE-244001, which puts it inside Moradabad, the broader Moradabad 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 Sirsa Inayatpur branch” — the verified location pin for IFSC UNBA0001113 should appear at the top of the results.
2. Confirm the branch is open by calling 91-6386513374 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 UNBA0001113 and your account number.

Common mistakes to avoid when using IFSC UNBA0001113

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 – SIRSA INAYATPUR, 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: UNBA0001113.
• 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.

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 Sirsa Inayatpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UNBA0001113, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UNBA0001113 for Unity Small finance Bank Limited – SIRSA INAYATPUR, 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

Final notes

To recap: UNBA0001113 is the IFSC code of Unity Small finance Bank Limited, SIRSA INAYATPUR branch, in MORADABAD, UTTAR PRADESH. 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.