IFSC Code of Unity Small finance Bank Limited, Baner Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Unity Small finance Bank Limited, BANER branch in PUNE. The 11-digit IFSC UNBA0000244 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 BANER 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 – BANER is UNBA0000244. The first four letters UNBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000244 map to this branch in PUNE, MAHARASHTRA.

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 Baner branch in Pune, Maharashtra is part of this network and uses the IFSC code UNBA0000244 for all electronic settlement.

Branch details at a glance

About the Baner branch

The Baner branch of Unity Small finance Bank Limited is situated at SANSKRUTI HOMES,UPPER GROUND FLR,A-WING,SURVEY NO.3,HISSA NO.6,BALEWADI,BANER,PUNE-411045. 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 UNBA0000244 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 BANER branch came to be assigned the code UNBA0000244.

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 UNBA0000244, money simply cannot be routed to the BANER branch electronically.

Products and account variants supported

Every account opened at the Baner branch is mapped to IFSC UNBA0000244 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 UNBA0000244.

Banking services available

The Baner branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 20-7045598361.

• 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 UNBA0000244

How to transfer money using IFSC UNBA0000244

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 UNBA0000244 across all three.

NEFT to Unity Small finance Bank Limited, BANER using IFSC UNBA0000244

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 UNBA0000244, and confirm that the system picks up Unity Small finance Bank Limited – BANER. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BANER

If you need to transfer ₹2 lakh or more in one go to an account at Unity Small finance Bank Limited's BANER branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UNBA0000244 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 – BANER, use IMPS. With IFSC UNBA0000244 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 UNBA0000244 for Unity Small finance Bank Limited – BANER, 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 Baner 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 BANER branch, the IFSC UNBA0000244 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.

Online banking and IFSC UNBA0000244

Unity Small finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BANER 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 UNBA0000244 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 UNBA0000244 and the account number together uniquely identify the Baner branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC UNBA0000244

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 – BANER, 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: UNBA0000244.
• 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.

How to reach the Baner branch

The branch is located at SANSKRUTI HOMES,UPPER GROUND FLR,A-WING,SURVEY NO.3,HISSA NO.6,BALEWADI,BANER,PUNE-411045, which puts it inside Pune, the broader Pune district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Unity Small finance Bank Limited Baner branch” — the verified location pin for IFSC UNBA0000244 should appear at the top of the results.
2. Confirm the branch is open by calling 20-7045598361 before stepping out, especially around public holidays.
3. 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 UNBA0000244 and your account number.

Verifying IFSC UNBA0000244 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 UNBA0000244 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 20-7045598361.
• Visiting the bank's official branch locator page.

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 Baner branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UNBA0000244, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UNBA0000244 is the IFSC code of Unity Small finance Bank Limited, BANER branch, in PUNE, 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.