If you are searching for the IFSC code of Unity Small finance Bank Limited, BHPE branch in MUMBAI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is UNBA000BHPE. 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 BHPE branch, and detailed step-by-step guides for using the IFSC UNBA000BHPE 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 – BHPE is UNBA000BHPE. The first four letters UNBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00BHPE map to this branch in MUMBAI, MAHARASHTRA.
About Unity Small finance Bank Limited
Unity Small finance Bank Limited operates a wide network of branches across India, including the Bhpe branch in Mumbai. 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, UNBA000BHPE.
Branch details at a glance
| Bank Name | Unity Small finance Bank Limited |
|---|---|
| Branch | Bhpe |
| IFSC Code | UNBA000BHPE |
| MICR Code | Refer to cheque leaf |
| Branch Address | CENTRUM HOUSE, FOURTH FLOOR, VIDYANAGARI MARG,C S T ROAD KALINA, SANTACRUZ EAST, MUMBAI 400098 |
| City | Mumbai |
| District | Mumbai |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 9619850494 |
About the Bhpe branch
The Bhpe branch of Unity Small finance Bank Limited is situated at CENTRUM HOUSE, FOURTH FLOOR, VIDYANAGARI MARG,C S T ROAD KALINA, SANTACRUZ EAST, MUMBAI 400098. 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 UNBA000BHPE is used.
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 BHPE of Unity Small finance Bank Limited — its own 11-character IFSC. The code UNBA000BHPE 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 UNBA000BHPE the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Bhpe branch
Once you have an account at Unity Small finance Bank Limited – BHPE, the IFSC UNBA000BHPE 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.
Products and services
Customers walking into the Bhpe 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 UNBA000BHPE
How to transfer money using IFSC UNBA000BHPE
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 UNBA000BHPE across all three.
How to use IFSC UNBA000BHPE 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 BHPE 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 UNBA000BHPE.
- Confirm the bank name auto-populates as Unity Small finance Bank Limited and the branch as BHPE.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UNBA000BHPE
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 – BHPE, ensure your bank's portal accepts IFSC UNBA000BHPE while registering the beneficiary. RTGS is also available 24x7.
IMPS to Unity Small finance Bank Limited BHPE (IFSC UNBA000BHPE)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA000BHPE in your mobile or internet banking app, and the money is credited to the BHPE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UNBA000BHPE for Unity Small finance Bank Limited – BHPE, 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 – UNBA000BHPE | Yes – UNBA000BHPE | Yes – UNBA000BHPE |
For most retail customers crediting the Bhpe 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 UNBA000BHPE
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 – BHPE is still mapped to IFSC UNBA000BHPE. 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 UNBA000BHPE and the beneficiary's account number to complete the transfer.
Online banking and IFSC UNBA000BHPE
Unity Small finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BHPE 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 UNBA000BHPE 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.
MICR & cheque-truncation details
Cheques drawn on the Bhpe branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UNBA000BHPE for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC UNBA000BHPE
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 – BHPE, 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:
UNBA000BHPE. - 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 Bhpe branch
The branch is located at CENTRUM HOUSE, FOURTH FLOOR, VIDYANAGARI MARG,C S T ROAD KALINA, SANTACRUZ EAST, MUMBAI 400098, which puts it inside Mumbai, the broader Mumbai district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “Unity Small finance Bank Limited Bhpe branch” — the verified location pin for IFSC UNBA000BHPE should appear at the top of the results.
- Confirm the branch is open by calling 22-9619850494 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 UNBA000BHPE and your account number.
Verifying IFSC UNBA000BHPE 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 UNBA000BHPE by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-9619850494.
- 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 Bhpe branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UNBA000BHPE, however, work 24x7.
Branch address & contact
Unity Small finance Bank LimitedBhpe Branch
CENTRUM HOUSE, FOURTH FLOOR, VIDYANAGARI MARG,C S T ROAD KALINA, SANTACRUZ EAST, MUMBAI 400098
Mumbai, Maharashtra
Phone: 22-9619850494
IFSC: UNBA000BHPE
Frequently asked questions
What is the IFSC code of Unity Small finance Bank Limited Bhpe branch?
The IFSC code of Unity Small finance Bank Limited, Bhpe branch is UNBA000BHPE. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using UNBA000BHPE be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Unity Small finance Bank Limited – Bhpe reflect within 30 minutes.
Where is Unity Small finance Bank Limited Bhpe branch located?
Unity Small finance Bank Limited's Bhpe branch is located at CENTRUM HOUSE, FOURTH FLOOR, VIDYANAGARI MARG,C S T ROAD KALINA, SANTACRUZ EAST, MUMBAI 400098, Mumbai, Maharashtra.
Is IFSC UNBA000BHPE valid for NEFT and RTGS?
Yes. IFSC UNBA000BHPE is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC UNBA000BHPE for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UNBA000BHPE to send funds instantly.
Does Unity Small finance Bank Limited Bhpe branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-9619850494 to confirm.
Summary
The IFSC code UNBA000BHPE belongs to Unity Small finance Bank Limited's BHPE branch, located at CENTRUM HOUSE, FOURTH FLOOR, VIDYANAGARI MARG,C S T ROAD KALINA, SANTACRUZ… in MUMBAI, MAHARASHTRA. 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.
