This page lists the IFSC code, branch address, contact number and fund-transfer information for Unity Small finance Bank Limited, SAKI VIHAR branch in MUMBAI. The 11-digit IFSC UNBA0000036 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 SAKI VIHAR 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.
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 – SAKI VIHAR is UNBA0000036. The first four letters UNBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000036 map to this branch in MUMBAI, MAHARASHTRA.
Bank profile
Unity Small finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Saki Vihar branch — IFSC UNBA0000036 — extends the bank's services to customers in and around Mumbai, Maharashtra.
About the Saki Vihar branch
The Saki Vihar branch of Unity Small finance Bank Limited is situated at SUN SHRISHTI A CHS LTD SHOP NO. 1,GROUND FLOOR,SAKI VIHAR ROAD POWAI,MUMBAI-400072. 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 UNBA0000036 is used.
Branch details at a glance
| Bank Name | Unity Small finance Bank Limited |
|---|---|
| Branch | Saki Vihar |
| IFSC Code | UNBA0000036 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SUN SHRISHTI A CHS LTD SHOP NO. 1,GROUND FLOOR,SAKI VIHAR ROAD POWAI,MUMBAI-400072 |
| City | Mumbai |
| District | Mumbai |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 7506408617 |
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 SAKI VIHAR of Unity Small finance Bank Limited — its own 11-character IFSC. The code UNBA0000036 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 UNBA0000036 the same way you would treat your account number — verify it once and save it carefully for future use.
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 UNBA0000036 and the account number together uniquely identify the Saki Vihar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UNBA0000036
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 UNBA0000036 across all three.
How to use IFSC UNBA0000036 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 SAKI VIHAR 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 UNBA0000036.
- Confirm the bank name auto-populates as Unity Small finance Bank Limited and the branch as SAKI VIHAR.
- 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 SAKI VIHAR
If you need to transfer ₹2 lakh or more in one go to an account at Unity Small finance Bank Limited's SAKI VIHAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UNBA0000036 while initiating the transfer and the credit will appear within minutes.
IMPS to Unity Small finance Bank Limited SAKI VIHAR (IFSC UNBA0000036)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0000036 in your mobile or internet banking app, and the money is credited to the SAKI VIHAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UNBA0000036 for Unity Small finance Bank Limited – SAKI VIHAR, 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 – UNBA0000036 | Yes – UNBA0000036 | Yes – UNBA0000036 |
For most retail customers crediting the Saki Vihar 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.
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 SAKI VIHAR branch, the IFSC UNBA0000036 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 Saki Vihar branch is mapped to IFSC UNBA0000036 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 UNBA0000036.
Banking services available
The Saki Vihar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-7506408617.
- 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 UNBA0000036
Digital banking channels
Most day-to-day work that customers used to do at the Saki Vihar 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 UNBA0000036 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.
Reaching the branch
The Saki Vihar branch sits at SUN SHRISHTI A CHS LTD SHOP NO. 1,GROUND FLOOR,SAKI VIHAR ROAD POWAI,MUMBAI-400072. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-7506408617 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 UNBA0000036 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 – SAKI VIHAR:
- The IFSC is exactly UNBA0000036 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 SAKI VIHAR 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.
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 Saki Vihar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UNBA0000036, however, work 24x7.
Verifying IFSC UNBA0000036 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 UNBA0000036 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-7506408617.
- Visiting the bank's official branch locator page.
Branch address & contact
Unity Small finance Bank LimitedSaki Vihar Branch
SUN SHRISHTI A CHS LTD SHOP NO. 1,GROUND FLOOR,SAKI VIHAR ROAD POWAI,MUMBAI-400072
Mumbai, Maharashtra
Phone: 22-7506408617
IFSC: UNBA0000036
Frequently asked questions
What is the IFSC code of Unity Small finance Bank Limited Saki Vihar branch?
The IFSC code of Unity Small finance Bank Limited, Saki Vihar branch is UNBA0000036. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Unity Small finance Bank Limited Saki Vihar branch?
You can reach the branch at 22-7506408617 during regular banking hours.
Is IFSC UNBA0000036 the same for all accounts at Saki Vihar branch?
Yes. The IFSC UNBA0000036 is shared by every account held at Unity Small finance Bank Limited's Saki Vihar branch. Only the account number changes from customer to customer.
Is IFSC UNBA0000036 valid for NEFT and RTGS?
Yes. IFSC UNBA0000036 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Saki Vihar branch but serve different purposes.
Does Unity Small finance Bank Limited Saki Vihar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-7506408617 to confirm.
How quickly will an NEFT transfer using UNBA0000036 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Unity Small finance Bank Limited – Saki Vihar reflect within 30 minutes.
How do I add Unity Small finance Bank Limited Saki Vihar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UNBA0000036, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code UNBA0000036 belongs to Unity Small finance Bank Limited's SAKI VIHAR branch, located at SUN SHRISHTI A CHS LTD SHOP NO. 1,GROUND FLOOR,SAKI VIHAR ROAD… 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.
