IFSC Code of Unity Small finance Bank Limited, Goregaon East Branch, Maharashtra

If you are searching for the IFSC code of Unity Small finance Bank Limited, GOREGAON EAST branch in MUMBAI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is UNBA0000054. 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 GOREGAON EAST branch, and detailed step-by-step guides for using the IFSC UNBA0000054 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.

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 GOREGAON EAST branch, the IFSC UNBA0000054 breaks down as follows: UNBA identifies the bank, 0 is the reserved character, and 000054 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 Goregaon East 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, UNBA0000054.

About this branch

The branch is located at 6/B1,SUPRIYA HOUSE,GAGAN SHOPPING COMPLEX,GOKULDHAM ROAD,NEAR GOKULDHAM EDICAL CENTRE,GOREGAON(EAST)MUMBAI-400063. It serves the Mumbai region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Unity Small finance Bank Limited. The IFSC UNBA0000054 is used to identify this branch on the RBI payments network.

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 GOREGAON EAST branch came to be assigned the code UNBA0000054.

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 UNBA0000054, money simply cannot be routed to the GOREGAON EAST branch electronically.

How to transfer money using IFSC UNBA0000054

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 UNBA0000054 across all three.

How to use IFSC UNBA0000054 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 GOREGAON EAST 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 UNBA0000054.
4. Confirm the bank name auto-populates as Unity Small finance Bank Limited and the branch as GOREGAON EAST.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to GOREGAON EAST

If you need to transfer ₹2 lakh or more in one go to an account at Unity Small finance Bank Limited's GOREGAON EAST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UNBA0000054 while initiating the transfer and the credit will appear within minutes.

IMPS to Unity Small finance Bank Limited GOREGAON EAST (IFSC UNBA0000054)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0000054 in your mobile or internet banking app, and the money is credited to the GOREGAON EAST branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Goregaon East

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 UNBA0000054:

• 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 GOREGAON EAST is still linked to IFSC UNBA0000054.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Unity Small finance Bank Limited's GOREGAON EAST branch, the IFSC UNBA0000054 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Goregaon East branch is mapped to IFSC UNBA0000054 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 UNBA0000054.

Products and services

Customers walking into the Goregaon East 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 UNBA0000054

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 UNBA0000054 and the account number together uniquely identify the Goregaon East branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UNBA0000054

Unity Small finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the GOREGAON EAST 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 UNBA0000054 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 UNBA0000054

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 – GOREGAON EAST, 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: UNBA0000054.
• 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 Goregaon East branch sits at 6/B1,SUPRIYA HOUSE,GAGAN SHOPPING COMPLEX,GOKULDHAM ROAD,NEAR GOKULDHAM EDICAL CENTRE,GOREGAON(EAST)MUMBAI-400063. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-7506342322 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 UNBA0000054 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UNBA0000054 for Unity Small finance Bank Limited – GOREGAON EAST, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 Goregaon East branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UNBA0000054, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UNBA0000054 is the IFSC code of Unity Small finance Bank Limited, GOREGAON EAST 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.