Below are the complete branch details for Unity Small finance Bank Limited, ULWE branch, located in NAVI MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is UNBA0000070. 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 UNBA0000070 for Unity Small finance Bank Limited – ULWE — 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, UNBA0000070 is the IFSC of Unity Small finance Bank Limited's ULWE branch. The format is fixed: UNBA = bank code, 0 = reserved, 000070 = branch identifier.
Bank profile
Unity Small finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Ulwe branch — IFSC UNBA0000070 — extends the bank's services to customers in and around Navi Mumbai, Maharashtra.
Branch details at a glance
| Bank Name | Unity Small finance Bank Limited |
|---|---|
| Branch | Ulwe |
| IFSC Code | UNBA0000070 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO.1,TULSI HEIGHTS,PLOT NO.14,SECTOR-8,ULWE,NAVI MUMBAI-410206,MAHARASHTRA |
| City | Navi Mumbai |
| District | Raigad |
| State | Maharashtra |
| STD Code | 215 |
| Phone | 9867463366 |
About the Ulwe branch
The Ulwe branch of Unity Small finance Bank Limited is situated at SHOP NO.1,TULSI HEIGHTS,PLOT NO.14,SECTOR-8,ULWE,NAVI MUMBAI-410206,MAHARASHTRA. 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 UNBA0000070 is used.
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 ULWE branch came to be assigned the code UNBA0000070.
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 UNBA0000070, money simply cannot be routed to the ULWE branch electronically.
Products and account variants supported
Every account opened at the Ulwe branch is mapped to IFSC UNBA0000070 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 UNBA0000070.
Banking services available
The Ulwe branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 215-9867463366.
- 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 UNBA0000070
How to transfer money using IFSC UNBA0000070
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 UNBA0000070 across all three.
NEFT to Unity Small finance Bank Limited, ULWE using IFSC UNBA0000070
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC UNBA0000070, and confirm that the system picks up Unity Small finance Bank Limited – ULWE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to ULWE
If you need to transfer ₹2 lakh or more in one go to an account at Unity Small finance Bank Limited's ULWE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UNBA0000070 while initiating the transfer and the credit will appear within minutes.
IMPS to Unity Small finance Bank Limited ULWE (IFSC UNBA0000070)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0000070 in your mobile or internet banking app, and the money is credited to the ULWE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UNBA0000070 for Unity Small finance Bank Limited – ULWE, 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 – UNBA0000070 | Yes – UNBA0000070 | Yes – UNBA0000070 |
For most retail customers crediting the Ulwe 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 UNBA0000070
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 – ULWE is still mapped to IFSC UNBA0000070. 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 UNBA0000070 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UNBA0000070
Unity Small finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ULWE 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 UNBA0000070 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.
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 UNBA0000070 and the account number together uniquely identify the Ulwe branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – ULWE:
- The IFSC is exactly UNBA0000070 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 ULWE 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.
Reaching the branch
The Ulwe branch sits at SHOP NO.1,TULSI HEIGHTS,PLOT NO.14,SECTOR-8,ULWE,NAVI MUMBAI-410206,MAHARASHTRA. If you are travelling from outside Navi Mumbai, search for the branch on a maps application using the bank name and locality, or call 215-9867463366 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 UNBA0000070 and your account number.
Verifying IFSC UNBA0000070 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 UNBA0000070 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 215-9867463366.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ulwe 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 UNBA0000070 continue to work without interruption.
Branch address & contact
Unity Small finance Bank LimitedUlwe Branch
SHOP NO.1,TULSI HEIGHTS,PLOT NO.14,SECTOR-8,ULWE,NAVI MUMBAI-410206,MAHARASHTRA
Navi Mumbai, Maharashtra
Phone: 215-9867463366
IFSC: UNBA0000070
Frequently asked questions
How quickly will an NEFT transfer using UNBA0000070 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Unity Small finance Bank Limited – Ulwe reflect within 30 minutes.
Does Unity Small finance Bank Limited Ulwe branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 215-9867463366 to confirm.
Can I use IFSC UNBA0000070 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UNBA0000070 to send funds instantly.
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 Ulwe branch but serve different purposes.
How do I add Unity Small finance Bank Limited Ulwe as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UNBA0000070, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UNBA0000070 the same for all accounts at Ulwe branch?
Yes. The IFSC UNBA0000070 is shared by every account held at Unity Small finance Bank Limited's Ulwe branch. Only the account number changes from customer to customer.
Summary
The IFSC code UNBA0000070 belongs to Unity Small finance Bank Limited's ULWE branch, located at SHOP NO.1,TULSI HEIGHTS,PLOT NO.14,SECTOR-8,ULWE,NAVI MUMBAI-410206,MAHARASHTRA in NAVI 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.
