Below are the complete branch details for Unity Small finance Bank Limited, J B NAGAR branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is UNBA0000050. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UNBA0000050 for Unity Small finance Bank Limited – J B NAGAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, UNBA0000050 is the IFSC of Unity Small finance Bank Limited's J B NAGAR branch. The format is fixed: UNBA = bank code, 0 = reserved, 000050 = branch identifier.
About the bank
Unity Small finance Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its J B Nagar branch in Mumbai, Maharashtra is part of this network and uses the IFSC code UNBA0000050 for all electronic settlement.
About this branch
The branch is located at GALA NO.G1 & G2,A-WING,SILVER ASTRA,J.B.NAGAR,ANDHERI EAST,MUMBAI-400059,LAND MARK-NR.GREATER BANK,OPP AKAL SOCIETY. 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 UNBA0000050 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Unity Small finance Bank Limited |
|---|---|
| Branch | J B Nagar |
| IFSC Code | UNBA0000050 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GALA NO.G1 & G2,A-WING,SILVER ASTRA,J.B.NAGAR,ANDHERI EAST,MUMBAI-400059,LAND MARK-NR.GREATER BANK,OPP AKAL SOCIETY |
| City | Mumbai |
| District | Mumbai |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 9886988822 |
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 J B NAGAR branch came to be assigned the code UNBA0000050.
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 UNBA0000050, money simply cannot be routed to the J B NAGAR branch electronically.
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 UNBA0000050 and the account number together uniquely identify the J B Nagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UNBA0000050
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 UNBA0000050 across all three.
How to use IFSC UNBA0000050 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 J B NAGAR 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 UNBA0000050.
- Confirm the bank name auto-populates as Unity Small finance Bank Limited and the branch as J B NAGAR.
- 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 J B NAGAR
If you need to transfer ₹2 lakh or more in one go to an account at Unity Small finance Bank Limited's J B NAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UNBA0000050 while initiating the transfer and the credit will appear within minutes.
IMPS to Unity Small finance Bank Limited J B NAGAR (IFSC UNBA0000050)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0000050 in your mobile or internet banking app, and the money is credited to the J B NAGAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UNBA0000050 for Unity Small finance Bank Limited – J B NAGAR, 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 – UNBA0000050 | Yes – UNBA0000050 | Yes – UNBA0000050 |
For most retail customers crediting the J B Nagar 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 UNBA0000050
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 – J B NAGAR is still mapped to IFSC UNBA0000050. 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 UNBA0000050 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the J B Nagar branch is mapped to IFSC UNBA0000050 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 UNBA0000050.
Banking services available
The J B Nagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-9886988822.
- 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 UNBA0000050
Digital banking channels
Most day-to-day work that customers used to do at the J B Nagar 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 UNBA0000050 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.
How to reach the J B Nagar branch
The branch is located at GALA NO.G1 & G2,A-WING,SILVER ASTRA,J.B.NAGAR,ANDHERI EAST,MUMBAI-400059,LAND MARK-NR.GREATER BANK,OPP AKAL SOCIETY, 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 J B Nagar branch” — the verified location pin for IFSC UNBA0000050 should appear at the top of the results.
- Confirm the branch is open by calling 22-9886988822 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 UNBA0000050 and your account number.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Unity Small finance Bank Limited – J B NAGAR:
- The IFSC is exactly UNBA0000050 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Unity Small finance Bank Limited as the bank name and J B NAGAR as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
Working hours
Branch counters at J B Nagar 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 UNBA0000050 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UNBA0000050 for Unity Small finance Bank Limited – J B NAGAR, 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 address & contact
Unity Small finance Bank LimitedJ B Nagar Branch
GALA NO.G1 & G2,A-WING,SILVER ASTRA,J.B.NAGAR,ANDHERI EAST,MUMBAI-400059,LAND MARK-NR.GREATER BANK,OPP AKAL SOCIETY
Mumbai, Maharashtra
Phone: 22-9886988822
IFSC: UNBA0000050
Frequently asked questions
Does Unity Small finance Bank Limited J B Nagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-9886988822 to confirm.
How quickly will an NEFT transfer using UNBA0000050 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Unity Small finance Bank Limited – J B Nagar reflect within 30 minutes.
Is IFSC UNBA0000050 valid for NEFT and RTGS?
Yes. IFSC UNBA0000050 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC UNBA0000050 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UNBA0000050 to send funds instantly.
Is IFSC UNBA0000050 the same for all accounts at J B Nagar branch?
Yes. The IFSC UNBA0000050 is shared by every account held at Unity Small finance Bank Limited's J B Nagar branch. Only the account number changes from customer to customer.
What is the IFSC code of Unity Small finance Bank Limited J B Nagar branch?
The IFSC code of Unity Small finance Bank Limited, J B Nagar branch is UNBA0000050. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Unity Small finance Bank Limited J B Nagar branch?
You can reach the branch at 22-9886988822 during regular banking hours.
Summary
The IFSC code UNBA0000050 belongs to Unity Small finance Bank Limited's J B NAGAR branch, located at GALA NO.G1 & G2,A-WING,SILVER ASTRA,J.B.NAGAR,ANDHERI EAST,MUMBAI-400059,LAND… 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.
