If you are searching for the IFSC code of Unity Small finance Bank Limited, RANCHI KADRU MAIN ROAD branch in RANCHI, JHARKHAND, this page has every detail you need. The verified IFSC code for this branch is UNBA0000711. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the RANCHI KADRU MAIN ROAD branch, and detailed step-by-step guides for using the IFSC UNBA0000711 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Unity Small finance Bank Limited's RANCHI KADRU MAIN ROAD branch, the IFSC UNBA0000711 breaks down as follows: UNBA identifies the bank, 0 is the reserved character, and 000711 identifies this particular branch.
Branch details at a glance
| Bank Name | Unity Small finance Bank Limited |
|---|---|
| Branch | Ranchi Kadru Main Road |
| IFSC Code | UNBA0000711 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR,TRIKUTA HILL,PLOT NO.298/D-2,KADRU MAIN ROAD,RANCHI-834002,JHARKAHND |
| City | Ranchi |
| District | Ranchi |
| State | Jharkhand |
| STD Code | 651 |
| Phone | 7004756456 |
About Unity Small finance Bank Limited
Unity Small finance Bank Limited operates a wide network of branches across India, including the Ranchi Kadru Main Road branch in Ranchi. 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, UNBA0000711.
About this branch
The branch is located at GROUND FLOOR,TRIKUTA HILL,PLOT NO.298/D-2,KADRU MAIN ROAD,RANCHI-834002,JHARKAHND. It serves the Ranchi 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 UNBA0000711 is used to identify this branch on the RBI payments network.
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 RANCHI KADRU MAIN ROAD branch came to be assigned the code UNBA0000711.
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 UNBA0000711, money simply cannot be routed to the RANCHI KADRU MAIN ROAD branch electronically.
How to transfer money using IFSC UNBA0000711
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 UNBA0000711 across all three.
NEFT to Unity Small finance Bank Limited, RANCHI KADRU MAIN ROAD using IFSC UNBA0000711
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 UNBA0000711, and confirm that the system picks up Unity Small finance Bank Limited – RANCHI KADRU MAIN ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RANCHI KADRU MAIN ROAD
If you need to transfer ₹2 lakh or more in one go to an account at Unity Small finance Bank Limited's RANCHI KADRU MAIN ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UNBA0000711 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 – RANCHI KADRU MAIN ROAD, use IMPS. With IFSC UNBA0000711 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 UNBA0000711 for Unity Small finance Bank Limited – RANCHI KADRU MAIN ROAD, 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 – UNBA0000711 | Yes – UNBA0000711 | Yes – UNBA0000711 |
For most retail customers crediting the Ranchi Kadru Main Road 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 RANCHI KADRU MAIN ROAD branch, the IFSC UNBA0000711 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.
Products and account variants supported
Every account opened at the Ranchi Kadru Main Road branch is mapped to IFSC UNBA0000711 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 UNBA0000711.
Banking services available
The Ranchi Kadru Main Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 651-7004756456.
- 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 UNBA0000711
MICR & cheque-truncation details
Cheques drawn on the Ranchi Kadru Main Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UNBA0000711 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Ranchi Kadru Main Road 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 UNBA0000711 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.
Common mistakes to avoid when using IFSC UNBA0000711
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 – RANCHI KADRU MAIN ROAD, 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:
UNBA0000711. - 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 Ranchi Kadru Main Road branch
The branch is located at GROUND FLOOR,TRIKUTA HILL,PLOT NO.298/D-2,KADRU MAIN ROAD,RANCHI-834002,JHARKAHND, which puts it inside Ranchi, the broader Ranchi district, and the state of Jharkhand. To plan your visit:
- Open Google Maps on your phone and search for “Unity Small finance Bank Limited Ranchi Kadru Main Road branch” — the verified location pin for IFSC UNBA0000711 should appear at the top of the results.
- Confirm the branch is open by calling 651-7004756456 before stepping out, especially around public holidays.
- 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 UNBA0000711 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UNBA0000711 for Unity Small finance Bank Limited – RANCHI KADRU MAIN ROAD, 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 Ranchi Kadru Main Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UNBA0000711, however, work 24x7.
Branch address & contact
Unity Small finance Bank LimitedRanchi Kadru Main Road Branch
GROUND FLOOR,TRIKUTA HILL,PLOT NO.298/D-2,KADRU MAIN ROAD,RANCHI-834002,JHARKAHND
Ranchi, Jharkhand
Phone: 651-7004756456
IFSC: UNBA0000711
Frequently asked questions
What is the phone number of Unity Small finance Bank Limited Ranchi Kadru Main Road branch?
You can reach the branch at 651-7004756456 during regular banking hours.
How quickly will an NEFT transfer using UNBA0000711 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Unity Small finance Bank Limited – Ranchi Kadru Main Road reflect within 30 minutes.
Where is Unity Small finance Bank Limited Ranchi Kadru Main Road branch located?
Unity Small finance Bank Limited's Ranchi Kadru Main Road branch is located at GROUND FLOOR,TRIKUTA HILL,PLOT NO.298/D-2,KADRU MAIN ROAD,RANCHI-834002,JHARKAHND, Ranchi, Jharkhand.
Can I use IFSC UNBA0000711 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UNBA0000711 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 Ranchi Kadru Main Road branch but serve different purposes.
What is the IFSC code of Unity Small finance Bank Limited Ranchi Kadru Main Road branch?
The IFSC code of Unity Small finance Bank Limited, Ranchi Kadru Main Road branch is UNBA0000711. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: UNBA0000711 is the IFSC code of Unity Small finance Bank Limited, RANCHI KADRU MAIN ROAD branch, in RANCHI, JHARKHAND. 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.
