IFSC Code of Unity Small finance Bank Limited, Andheri E Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Unity Small finance Bank Limited, ANDHERI E branch in MUMBAI. The 11-digit IFSC UNBA0000004 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Unity Small finance Bank Limited at the ANDHERI E location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 – ANDHERI E is UNBA0000004. The first four letters UNBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000004 map to this branch in MUMBAI, MAHARASHTRA.

Branch details at a glance

Bank profile

Unity Small finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Andheri E branch — IFSC UNBA0000004 — extends the bank's services to customers in and around Mumbai, Maharashtra.

Andheri E branch overview

Located at MAJAS EVERGREEN HSG SOCIETY, DHEERAJ VAIBHAV, POONAM NAGAR, P.M.G.P COLONY, ANDHERI-E, MUMBAI- 400093., the Andheri E branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UNBA0000004 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 ANDHERI E branch came to be assigned the code UNBA0000004.

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 UNBA0000004, money simply cannot be routed to the ANDHERI E branch electronically.

How to transfer money using IFSC UNBA0000004

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 UNBA0000004 across all three.

NEFT to Unity Small finance Bank Limited, ANDHERI E using IFSC UNBA0000004

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 UNBA0000004, and confirm that the system picks up Unity Small finance Bank Limited – ANDHERI E. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UNBA0000004

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 – ANDHERI E, ensure your bank's portal accepts IFSC UNBA0000004 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Unity Small finance Bank Limited ANDHERI E (IFSC UNBA0000004)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0000004 in your mobile or internet banking app, and the money is credited to the ANDHERI E branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Andheri E

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 UNBA0000004:

• 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 ANDHERI E is still linked to IFSC UNBA0000004.

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 UNBA0000004

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 – ANDHERI E is still mapped to IFSC UNBA0000004. 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 UNBA0000004 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Andheri E branch is mapped to IFSC UNBA0000004 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 UNBA0000004.

Products and services

Customers walking into the Andheri E 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 UNBA0000004

MICR & cheque-truncation details

Cheques drawn on the Andheri E branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UNBA0000004 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UNBA0000004

Unity Small finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ANDHERI E 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 UNBA0000004 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.

Common mistakes to avoid when using IFSC UNBA0000004

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 – ANDHERI E, 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: UNBA0000004.
• 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 Andheri E branch

The branch is located at MAJAS EVERGREEN HSG SOCIETY, DHEERAJ VAIBHAV, POONAM NAGAR, P.M.G.P COLONY, ANDHERI-E, MUMBAI- 400093., which puts it inside Mumbai, the broader Mumbai district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Unity Small finance Bank Limited Andheri E branch” — the verified location pin for IFSC UNBA0000004 should appear at the top of the results.
2. Confirm the branch is open by calling 22-7506408618 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 UNBA0000004 and your account number.

Verifying IFSC UNBA0000004 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 UNBA0000004 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-7506408618.
• Visiting the bank's official branch locator page.

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 Andheri E branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UNBA0000004, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UNBA0000004 is the IFSC code of Unity Small finance Bank Limited, ANDHERI E branch, in MUMBAI, MAHARASHTRA. 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.