Below are the complete branch details for Unity Small finance Bank Limited, AMBERNATH branch, located in THANE, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is UNBA0000029. 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 UNBA0000029 for Unity Small finance Bank Limited – AMBERNATH — 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 – AMBERNATH is UNBA0000029. The first four letters UNBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000029 map to this branch in THANE, 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 Ambernath branch in Thane, Maharashtra is part of this network and uses the IFSC code UNBA0000029 for all electronic settlement.
About this branch
The branch is located at SHOP NO. 7 & 27,SHRI PARANJPEE SAHAKARI MARKETING SOC.LTD,STATION ROAD,NEAR PREETI HOTEL,AMBERNATH(W)-421501. It serves the Thane 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 UNBA0000029 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Unity Small finance Bank Limited |
|---|---|
| Branch | Ambernath |
| IFSC Code | UNBA0000029 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO. 7 & 27,SHRI PARANJPEE SAHAKARI MARKETING SOC.LTD,STATION ROAD,NEAR PREETI HOTEL,AMBERNATH(W)-421501 |
| City | Thane |
| District | Thane |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 9167225963 |
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 AMBERNATH branch came to be assigned the code UNBA0000029.
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 UNBA0000029, money simply cannot be routed to the AMBERNATH branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Ambernath branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UNBA0000029 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC UNBA0000029
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 UNBA0000029 across all three.
How to use IFSC UNBA0000029 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Unity Small finance Bank Limited's AMBERNATH branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UNBA0000029.
- Confirm the bank name auto-populates as Unity Small finance Bank Limited and the branch as AMBERNATH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to AMBERNATH
If you need to transfer ₹2 lakh or more in one go to an account at Unity Small finance Bank Limited's AMBERNATH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UNBA0000029 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 – AMBERNATH, use IMPS. With IFSC UNBA0000029 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 UNBA0000029 for Unity Small finance Bank Limited – AMBERNATH, 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 – UNBA0000029 | Yes – UNBA0000029 | Yes – UNBA0000029 |
For most retail customers crediting the Ambernath 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 UNBA0000029
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 – AMBERNATH is still mapped to IFSC UNBA0000029. 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 UNBA0000029 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Ambernath branch is mapped to IFSC UNBA0000029 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 UNBA0000029.
Products and services
Customers walking into the Ambernath 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 UNBA0000029
Digital banking channels
Most day-to-day work that customers used to do at the Ambernath 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 UNBA0000029 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.
How to reach the Ambernath branch
The branch is located at SHOP NO. 7 & 27,SHRI PARANJPEE SAHAKARI MARKETING SOC.LTD,STATION ROAD,NEAR PREETI HOTEL,AMBERNATH(W)-421501, which puts it inside Thane, the broader Thane district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “Unity Small finance Bank Limited Ambernath branch” — the verified location pin for IFSC UNBA0000029 should appear at the top of the results.
- Confirm the branch is open by calling 22-9167225963 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 UNBA0000029 and your account number.
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 – AMBERNATH:
- The IFSC is exactly UNBA0000029 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 AMBERNATH 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.
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 Ambernath branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UNBA0000029, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UNBA0000029 for Unity Small finance Bank Limited – AMBERNATH, 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
Unity Small finance Bank LimitedAmbernath Branch
SHOP NO. 7 & 27,SHRI PARANJPEE SAHAKARI MARKETING SOC.LTD,STATION ROAD,NEAR PREETI HOTEL,AMBERNATH(W)-421501
Thane, Maharashtra
Phone: 22-9167225963
IFSC: UNBA0000029
Frequently asked questions
How do I add Unity Small finance Bank Limited Ambernath as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UNBA0000029, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UNBA0000029 the same for all accounts at Ambernath branch?
Yes. The IFSC UNBA0000029 is shared by every account held at Unity Small finance Bank Limited's Ambernath branch. Only the account number changes from customer to customer.
Is IFSC UNBA0000029 valid for NEFT and RTGS?
Yes. IFSC UNBA0000029 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Unity Small finance Bank Limited Ambernath branch located?
Unity Small finance Bank Limited's Ambernath branch is located at SHOP NO. 7 & 27,SHRI PARANJPEE SAHAKARI MARKETING SOC.LTD,STATION ROAD,NEAR PREETI HOTEL,AMBERNATH(W)-421501, Thane, Maharashtra.
How quickly will an NEFT transfer using UNBA0000029 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Unity Small finance Bank Limited – Ambernath reflect within 30 minutes.
What is the phone number of Unity Small finance Bank Limited Ambernath branch?
You can reach the branch at 22-9167225963 during regular banking hours.
Summary
The IFSC code UNBA0000029 belongs to Unity Small finance Bank Limited's AMBERNATH branch, located at SHOP NO. 7 & 27,SHRI PARANJPEE SAHAKARI MARKETING SOC.LTD,STATION ROAD,NEAR… in THANE, 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.
