Below are the complete branch details for Unity Small finance Bank Limited, RAJA TALAB branch, located in RAJA TALAB, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is UNBA0001091. 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 UNBA0001091 for Unity Small finance Bank Limited – RAJA TALAB — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – RAJA TALAB is UNBA0001091. The first four letters UNBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001091 map to this branch in RAJA TALAB, UTTAR PRADESH.
About Unity Small finance Bank Limited
Unity Small finance Bank Limited operates a wide network of branches across India, including the Raja Talab branch in Raja Talab. 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, UNBA0001091.
Branch details at a glance
| Bank Name | Unity Small finance Bank Limited |
|---|---|
| Branch | Raja Talab |
| IFSC Code | UNBA0001091 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILLAGE-KESHARIPUR,ROHANIYA,POST OFFICE-LOHTA,TEL-VARANASI SADAR, DISTRICT-VARANASI,UTTAR PRADESH-221107 |
| City | Raja Talab |
| District | Varanasi |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 8127666839 |
About the Raja Talab branch
The Raja Talab branch of Unity Small finance Bank Limited is situated at VILLAGE-KESHARIPUR,ROHANIYA,POST OFFICE-LOHTA,TEL-VARANASI SADAR, DISTRICT-VARANASI,UTTAR PRADESH-221107. 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 UNBA0001091 is used.
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 RAJA TALAB of Unity Small finance Bank Limited — its own 11-character IFSC. The code UNBA0001091 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 UNBA0001091 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Raja Talab branch
Once you have an account at Unity Small finance Bank Limited – RAJA TALAB, the IFSC UNBA0001091 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 Raja Talab 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 UNBA0001091
How to transfer money using IFSC UNBA0001091
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 UNBA0001091 across all three.
NEFT to Unity Small finance Bank Limited, RAJA TALAB using IFSC UNBA0001091
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 UNBA0001091, and confirm that the system picks up Unity Small finance Bank Limited – RAJA TALAB. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RAJA TALAB
If you need to transfer ₹2 lakh or more in one go to an account at Unity Small finance Bank Limited's RAJA TALAB branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UNBA0001091 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 – RAJA TALAB, use IMPS. With IFSC UNBA0001091 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 Raja Talab
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 UNBA0001091:
- 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 RAJA TALAB is still linked to IFSC UNBA0001091.
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 UNBA0001091
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 – RAJA TALAB is still mapped to IFSC UNBA0001091. 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 UNBA0001091 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Raja Talab 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 UNBA0001091 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.
MICR & cheque-truncation details
Cheques drawn on the Raja Talab branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UNBA0001091 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – RAJA TALAB:
- The IFSC is exactly UNBA0001091 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 RAJA TALAB 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 Raja Talab branch sits at VILLAGE-KESHARIPUR,ROHANIYA,POST OFFICE-LOHTA,TEL-VARANASI SADAR, DISTRICT-VARANASI,UTTAR PRADESH-221107. If you are travelling from outside Raja Talab, search for the branch on a maps application using the bank name and locality, or call 91-8127666839 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 UNBA0001091 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UNBA0001091 for Unity Small finance Bank Limited – RAJA TALAB, 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.
Working hours
Branch counters at Raja Talab 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 UNBA0001091 continue to work without interruption.
Branch address & contact
Unity Small finance Bank LimitedRaja Talab Branch
VILLAGE-KESHARIPUR,ROHANIYA,POST OFFICE-LOHTA,TEL-VARANASI SADAR, DISTRICT-VARANASI,UTTAR PRADESH-221107
Raja Talab, Uttar Pradesh
Phone: 91-8127666839
IFSC: UNBA0001091
Frequently asked questions
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 Raja Talab branch but serve different purposes.
Is IFSC UNBA0001091 the same for all accounts at Raja Talab branch?
Yes. The IFSC UNBA0001091 is shared by every account held at Unity Small finance Bank Limited's Raja Talab branch. Only the account number changes from customer to customer.
How do I add Unity Small finance Bank Limited Raja Talab as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UNBA0001091, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UNBA0001091 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Unity Small finance Bank Limited – Raja Talab reflect within 30 minutes.
Can I use IFSC UNBA0001091 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UNBA0001091 to send funds instantly.
What is the phone number of Unity Small finance Bank Limited Raja Talab branch?
You can reach the branch at 91-8127666839 during regular banking hours.
Final notes
To recap: UNBA0001091 is the IFSC code of Unity Small finance Bank Limited, RAJA TALAB branch, in RAJA TALAB, UTTAR PRADESH. 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.
