IFSC Code of Unity Small finance Bank Limited, Chembur Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Unity Small finance Bank Limited, CHEMBUR branch in MUMBAI. The 11-digit IFSC UNBA0000016 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 CHEMBUR 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Unity Small finance Bank Limited's CHEMBUR branch, the IFSC UNBA0000016 breaks down as follows: UNBA identifies the bank, 0 is the reserved character, and 000016 identifies this particular branch.

Branch details at a glance

About Unity Small finance Bank Limited

Unity Small finance Bank Limited operates a wide network of branches across India, including the Chembur 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, UNBA0000016.

Chembur branch overview

Located at OFFICE NO.1,GROUND FLOOR,STELLAR TOWER,OPP.K STAR MALL,SION-TROMBAY RAOD,CHEMBUR (W) MUMBAI-400071, the Chembur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UNBA0000016 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 CHEMBUR branch came to be assigned the code UNBA0000016.

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 UNBA0000016, money simply cannot be routed to the CHEMBUR branch electronically.

How to transfer money using IFSC UNBA0000016

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 UNBA0000016 across all three.

How to use IFSC UNBA0000016 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 CHEMBUR 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 UNBA0000016.
4. Confirm the bank name auto-populates as Unity Small finance Bank Limited and the branch as CHEMBUR.
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 UNBA0000016

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 – CHEMBUR, ensure your bank's portal accepts IFSC UNBA0000016 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Unity Small finance Bank Limited CHEMBUR (IFSC UNBA0000016)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0000016 in your mobile or internet banking app, and the money is credited to the CHEMBUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chembur

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 UNBA0000016:

• 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 CHEMBUR is still linked to IFSC UNBA0000016.

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 UNBA0000016

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 – CHEMBUR is still mapped to IFSC UNBA0000016. 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 UNBA0000016 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Chembur branch is mapped to IFSC UNBA0000016 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 UNBA0000016.

Products and services

Customers walking into the Chembur 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 UNBA0000016

MICR & cheque-truncation details

Cheques drawn on the Chembur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UNBA0000016 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UNBA0000016

Unity Small finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHEMBUR 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 UNBA0000016 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 UNBA0000016

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 – CHEMBUR, 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: UNBA0000016.
• 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 Chembur branch sits at OFFICE NO.1,GROUND FLOOR,STELLAR TOWER,OPP.K STAR MALL,SION-TROMBAY RAOD,CHEMBUR (W) MUMBAI-400071. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-7045685946 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 UNBA0000016 and your account number.

Verifying IFSC UNBA0000016 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 UNBA0000016 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-7045685946.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Chembur 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 UNBA0000016 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UNBA0000016 is the IFSC code of Unity Small finance Bank Limited, CHEMBUR 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.