IFSC Code of Unity Small finance Bank Limited, Seawoods Navi Mumbai Branch, Maharashtra

Use this page as a one-stop reference for everything related to Unity Small finance Bank Limited's SEAWOODS NAVI MUMBAI branch in NAVI MUMBAI, MAHARASHTRA. The branch's IFSC code UNBA0000035 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.

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 – SEAWOODS NAVI MUMBAI is UNBA0000035. The first four letters UNBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000035 map to this branch in NAVI MUMBAI, MAHARASHTRA.

Branch details at a glance

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 Seawoods Navi Mumbai branch in Navi Mumbai, Maharashtra is part of this network and uses the IFSC code UNBA0000035 for all electronic settlement.

Seawoods Navi Mumbai branch overview

Located at SHOP NO.6,7,8 VAISHNAVI TOWER,PLOT NO.6,SECTOR-44,SEAWOODS,NERUL,NAVI MUMBAI-400706, the Seawoods Navi Mumbai branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UNBA0000035 is required for all interbank electronic transfers routed through this branch.

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 SEAWOODS NAVI MUMBAI of Unity Small finance Bank Limited — its own 11-character IFSC. The code UNBA0000035 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 UNBA0000035 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 UNBA0000035

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 UNBA0000035 across all three.

How to use IFSC UNBA0000035 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 SEAWOODS NAVI MUMBAI 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 UNBA0000035.
4. Confirm the bank name auto-populates as Unity Small finance Bank Limited and the branch as SEAWOODS NAVI MUMBAI.
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 SEAWOODS NAVI MUMBAI

If you need to transfer ₹2 lakh or more in one go to an account at Unity Small finance Bank Limited's SEAWOODS NAVI MUMBAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UNBA0000035 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 – SEAWOODS NAVI MUMBAI, use IMPS. With IFSC UNBA0000035 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 UNBA0000035 for Unity Small finance Bank Limited – SEAWOODS NAVI MUMBAI, 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.

For most retail customers crediting the Seawoods Navi Mumbai 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 UNBA0000035

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 – SEAWOODS NAVI MUMBAI is still mapped to IFSC UNBA0000035. 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 UNBA0000035 and the beneficiary's account number to complete the transfer.

Account types you can open at the Seawoods Navi Mumbai branch

Once you have an account at Unity Small finance Bank Limited – SEAWOODS NAVI MUMBAI, the IFSC UNBA0000035 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Seawoods Navi Mumbai 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 UNBA0000035

MICR & cheque-truncation details

Cheques drawn on the Seawoods Navi Mumbai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UNBA0000035 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UNBA0000035

Unity Small finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SEAWOODS NAVI MUMBAI 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 UNBA0000035 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 UNBA0000035

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 – SEAWOODS NAVI MUMBAI, 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: UNBA0000035.
• 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 Seawoods Navi Mumbai branch sits at SHOP NO.6,7,8 VAISHNAVI TOWER,PLOT NO.6,SECTOR-44,SEAWOODS,NERUL,NAVI MUMBAI-400706. If you are travelling from outside Navi Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-7506408610 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 UNBA0000035 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UNBA0000035 for Unity Small finance Bank Limited – SEAWOODS NAVI MUMBAI, 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 Seawoods Navi Mumbai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UNBA0000035, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UNBA0000035 is the IFSC code of Unity Small finance Bank Limited, SEAWOODS NAVI MUMBAI branch, in NAVI 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.