IFSC Code of Unity Small finance Bank Limited, Motihari Branch, Bihar

If you are searching for the IFSC code of Unity Small finance Bank Limited, MOTIHARI branch in MOTIHARI, BIHAR, this page has every detail you need. The verified IFSC code for this branch is UNBA0001085. 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 MOTIHARI branch, and detailed step-by-step guides for using the IFSC UNBA0001085 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.

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 – MOTIHARI is UNBA0001085. The first four letters UNBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001085 map to this branch in MOTIHARI, BIHAR.

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 Motihari branch in Motihari, Bihar is part of this network and uses the IFSC code UNBA0001085 for all electronic settlement.

Motihari branch overview

Located at CHHOTA BARIYAPUR,WARD NO 38,PO-MOTHIHARI COURT,PS-CHHATAUNI,DISTRICT-PURBI CHAMPARAN,BIHAR-845401, the Motihari branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UNBA0001085 is required for all interbank electronic transfers routed through this branch.

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 MOTIHARI of Unity Small finance Bank Limited — its own 11-character IFSC. The code UNBA0001085 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 UNBA0001085 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 UNBA0001085

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 UNBA0001085 across all three.

How to use IFSC UNBA0001085 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 MOTIHARI 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 UNBA0001085.
4. Confirm the bank name auto-populates as Unity Small finance Bank Limited and the branch as MOTIHARI.
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 UNBA0001085

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 – MOTIHARI, ensure your bank's portal accepts IFSC UNBA0001085 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Unity Small finance Bank Limited MOTIHARI (IFSC UNBA0001085)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0001085 in your mobile or internet banking app, and the money is credited to the MOTIHARI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Motihari

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 UNBA0001085:

• 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 MOTIHARI is still linked to IFSC UNBA0001085.

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.

UPI payments and IFSC UNBA0001085

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 – MOTIHARI is still mapped to IFSC UNBA0001085. 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 UNBA0001085 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Motihari branch is mapped to IFSC UNBA0001085 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 UNBA0001085.

Products and services

Customers walking into the Motihari 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 UNBA0001085

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 UNBA0001085 and the account number together uniquely identify the Motihari branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UNBA0001085

Unity Small finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the MOTIHARI 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 UNBA0001085 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.

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 – MOTIHARI:

• The IFSC is exactly UNBA0001085 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 MOTIHARI 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.

How to reach the Motihari branch

The branch is located at CHHOTA BARIYAPUR,WARD NO 38,PO-MOTHIHARI COURT,PS-CHHATAUNI,DISTRICT-PURBI CHAMPARAN,BIHAR-845401, which puts it inside Motihari, the broader Purbi Champaran district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Unity Small finance Bank Limited Motihari branch” — the verified location pin for IFSC UNBA0001085 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9471230594 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 UNBA0001085 and your account number.

Verifying IFSC UNBA0001085 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 UNBA0001085 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9471230594.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Motihari 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 UNBA0001085 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UNBA0001085 belongs to Unity Small finance Bank Limited's MOTIHARI branch, located at CHHOTA BARIYAPUR,WARD NO 38,PO-MOTHIHARI COURT,PS-CHHATAUNI,DISTRICT-PURBI… in MOTIHARI, BIHAR. 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.