IFSC Code of Unity Small finance Bank Limited, Raghunathpur Branch, Odisha

Use this page as a one-stop reference for everything related to Unity Small finance Bank Limited's RAGHUNATHPUR branch in RAGHUNATHPUR, ODISHA. The branch's IFSC code UNBA0001084 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.

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, UNBA0001084 is the IFSC of Unity Small finance Bank Limited's RAGHUNATHPUR branch. The format is fixed: UNBA = bank code, 0 = reserved, 001084 = branch identifier.

About Unity Small finance Bank Limited

Unity Small finance Bank Limited operates a wide network of branches across India, including the Raghunathpur branch in Raghunathpur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UNBA0001084.

About this branch

The branch is located at PLOT-792/300, C/O AMBIKA CHARAN PARIDA, JAGANNATHPUR,RAGHUNATHPUR, PARADIP NATIONAL HIGHWAY, POST OFFICE-RAGHUNATHPUR,TEL/DISTRICT-JAGATSINGHPUR,ODISHA-754132. It serves the Raghunathpur 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 UNBA0001084 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 RAGHUNATHPUR of Unity Small finance Bank Limited — its own 11-character IFSC. The code UNBA0001084 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 UNBA0001084 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 UNBA0001084 and the account number together uniquely identify the Raghunathpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UNBA0001084

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 UNBA0001084 across all three.

NEFT to Unity Small finance Bank Limited, RAGHUNATHPUR using IFSC UNBA0001084

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 UNBA0001084, and confirm that the system picks up Unity Small finance Bank Limited – RAGHUNATHPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UNBA0001084

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Unity Small finance Bank Limited – RAGHUNATHPUR, ensure your bank's portal accepts IFSC UNBA0001084 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Unity Small finance Bank Limited – RAGHUNATHPUR, use IMPS. With IFSC UNBA0001084 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Raghunathpur

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UNBA0001084:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at RAGHUNATHPUR is still linked to IFSC UNBA0001084.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC UNBA0001084

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 – RAGHUNATHPUR is still mapped to IFSC UNBA0001084. 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 UNBA0001084 and the beneficiary's account number to complete the transfer.

Account types you can open at the Raghunathpur branch

Once you have an account at Unity Small finance Bank Limited – RAGHUNATHPUR, the IFSC UNBA0001084 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.

Banking services available

The Raghunathpur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9348816224.

• 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 UNBA0001084

Online banking and IFSC UNBA0001084

Unity Small finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the RAGHUNATHPUR 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 UNBA0001084 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.

How to reach the Raghunathpur branch

The branch is located at PLOT-792/300, C/O AMBIKA CHARAN PARIDA, JAGANNATHPUR,RAGHUNATHPUR, PARADIP NATIONAL HIGHWAY, POST OFFICE-RAGHUNATHPUR,TEL/DISTRICT-JAGATSINGHPUR,ODISHA-754132, which puts it inside Raghunathpur, the broader Jagatsinghpur district, and the state of Odisha. To plan your visit:

1. Open Google Maps on your phone and search for “Unity Small finance Bank Limited Raghunathpur branch” — the verified location pin for IFSC UNBA0001084 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9348816224 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 UNBA0001084 and your account number.

Common mistakes to avoid when using IFSC UNBA0001084

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 – RAGHUNATHPUR, 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: UNBA0001084.
• 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.

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 Raghunathpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UNBA0001084, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UNBA0001084 for Unity Small finance Bank Limited – RAGHUNATHPUR, 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

Frequently asked questions

Summary

The IFSC code UNBA0001084 belongs to Unity Small finance Bank Limited's RAGHUNATHPUR branch, located at PLOT-792/300, C/O AMBIKA CHARAN PARIDA, JAGANNATHPUR,RAGHUNATHPUR, PARADIP… in RAGHUNATHPUR, ODISHA. 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.