Use this page as a one-stop reference for everything related to Unity Small finance Bank Limited's BORIVALI WEST branch in MUMBAI, MAHARASHTRA. The branch's IFSC code UNBA0000062 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, UNBA0000062 is the IFSC of Unity Small finance Bank Limited's BORIVALI WEST branch. The format is fixed: UNBA = bank code, 0 = reserved, 000062 = branch identifier.
Branch details at a glance
| Bank Name | Unity Small finance Bank Limited |
|---|---|
| Branch | Borivali West |
| IFSC Code | UNBA0000062 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO.26 TO 29,LAVENDER GARDEN,GROVE PHASE-2,UTIPIO TOWER,CHIKUWADI,NEAR SBI QURTER BORIVALI(W),MUMBAI-400092 |
| City | Mumbai |
| District | Mumbai |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 8879969057 |
Bank profile
Unity Small finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Borivali West branch — IFSC UNBA0000062 — extends the bank's services to customers in and around Mumbai, Maharashtra.
About the Borivali West branch
The Borivali West branch of Unity Small finance Bank Limited is situated at SHOP NO.26 TO 29,LAVENDER GARDEN,GROVE PHASE-2,UTIPIO TOWER,CHIKUWADI,NEAR SBI QURTER BORIVALI(W),MUMBAI-400092. 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 UNBA0000062 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 BORIVALI WEST of Unity Small finance Bank Limited — its own 11-character IFSC. The code UNBA0000062 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 UNBA0000062 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 UNBA0000062
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 UNBA0000062 across all three.
NEFT to Unity Small finance Bank Limited, BORIVALI WEST using IFSC UNBA0000062
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 UNBA0000062, and confirm that the system picks up Unity Small finance Bank Limited – BORIVALI WEST. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BORIVALI WEST
If you need to transfer ₹2 lakh or more in one go to an account at Unity Small finance Bank Limited's BORIVALI WEST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UNBA0000062 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Unity Small finance Bank Limited – BORIVALI WEST, use IMPS. With IFSC UNBA0000062 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UNBA0000062 for Unity Small finance Bank Limited – BORIVALI WEST, 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 – UNBA0000062 | Yes – UNBA0000062 | Yes – UNBA0000062 |
For most retail customers crediting the Borivali West 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 UNBA0000062
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 – BORIVALI WEST is still mapped to IFSC UNBA0000062. 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 UNBA0000062 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Borivali West branch is mapped to IFSC UNBA0000062 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 UNBA0000062.
Banking services available
The Borivali West branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-8879969057.
- 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 UNBA0000062
MICR & cheque-truncation details
Cheques drawn on the Borivali West branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UNBA0000062 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 Borivali West 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 UNBA0000062 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 UNBA0000062
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 – BORIVALI WEST, 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:
UNBA0000062. - 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.
Reaching the branch
The Borivali West branch sits at SHOP NO.26 TO 29,LAVENDER GARDEN,GROVE PHASE-2,UTIPIO TOWER,CHIKUWADI,NEAR SBI QURTER BORIVALI(W),MUMBAI-400092. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-8879969057 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UNBA0000062 and your account number.
Verifying IFSC UNBA0000062 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 UNBA0000062 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-8879969057.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Borivali West 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 UNBA0000062 continue to work without interruption.
Branch address & contact
Unity Small finance Bank LimitedBorivali West Branch
SHOP NO.26 TO 29,LAVENDER GARDEN,GROVE PHASE-2,UTIPIO TOWER,CHIKUWADI,NEAR SBI QURTER BORIVALI(W),MUMBAI-400092
Mumbai, Maharashtra
Phone: 22-8879969057
IFSC: UNBA0000062
Frequently asked questions
Is IFSC UNBA0000062 the same for all accounts at Borivali West branch?
Yes. The IFSC UNBA0000062 is shared by every account held at Unity Small finance Bank Limited's Borivali West branch. Only the account number changes from customer to customer.
Where is Unity Small finance Bank Limited Borivali West branch located?
Unity Small finance Bank Limited's Borivali West branch is located at SHOP NO.26 TO 29,LAVENDER GARDEN,GROVE PHASE-2,UTIPIO TOWER,CHIKUWADI,NEAR SBI QURTER BORIVALI(W),MUMBAI-400092, Mumbai, Maharashtra.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Borivali West branch but serve different purposes.
Can I use IFSC UNBA0000062 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UNBA0000062 to send funds instantly.
How do I add Unity Small finance Bank Limited Borivali West as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UNBA0000062, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UNBA0000062 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Unity Small finance Bank Limited – Borivali West reflect within 30 minutes.
Is IFSC UNBA0000062 valid for NEFT and RTGS?
Yes. IFSC UNBA0000062 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: UNBA0000062 is the IFSC code of Unity Small finance Bank Limited, BORIVALI WEST 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.
