Below are the complete branch details for Unity Small finance Bank Limited, KALYAN E branch, located in THANE, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is UNBA0000031. 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 UNBA0000031 for Unity Small finance Bank Limited – KALYAN E — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 KALYAN E branch, the IFSC UNBA0000031 breaks down as follows: UNBA identifies the bank, 0 is the reserved character, and 000031 identifies this particular branch.
Branch details at a glance
| Bank Name | Unity Small finance Bank Limited |
|---|---|
| Branch | Kalyan E |
| IFSC Code | UNBA0000031 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UNIT NO-107 & 108,MONARCH CRYSTAL,MONARCH UNIVERSAL LIFESCASPES,KALYAN SHILPHATA ROAD,NEAR TATA POWER HOUSE,KALYAN EAST-421203 |
| City | Thane |
| District | Thane |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 9930368816 |
Bank profile
Unity Small finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Kalyan E branch — IFSC UNBA0000031 — extends the bank's services to customers in and around Thane, Maharashtra.
About this branch
The branch is located at UNIT NO-107 & 108,MONARCH CRYSTAL,MONARCH UNIVERSAL LIFESCASPES,KALYAN SHILPHATA ROAD,NEAR TATA POWER HOUSE,KALYAN EAST-421203. 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 UNBA0000031 is used to identify this branch on the RBI payments network.
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 KALYAN E of Unity Small finance Bank Limited — its own 11-character IFSC. The code UNBA0000031 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 UNBA0000031 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC UNBA0000031
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 UNBA0000031 across all three.
How to use IFSC UNBA0000031 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 KALYAN E 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 UNBA0000031.
- Confirm the bank name auto-populates as Unity Small finance Bank Limited and the branch as KALYAN E.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UNBA0000031
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 – KALYAN E, ensure your bank's portal accepts IFSC UNBA0000031 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Unity Small finance Bank Limited KALYAN E (IFSC UNBA0000031)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0000031 in your mobile or internet banking app, and the money is credited to the KALYAN E branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UNBA0000031 for Unity Small finance Bank Limited – KALYAN E, 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 – UNBA0000031 | Yes – UNBA0000031 | Yes – UNBA0000031 |
For most retail customers crediting the Kalyan E 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 KALYAN E branch, the IFSC UNBA0000031 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.
Account types you can open at the Kalyan E branch
Once you have an account at Unity Small finance Bank Limited – KALYAN E, the IFSC UNBA0000031 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 Kalyan E branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-9930368816.
- 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 UNBA0000031
MICR & cheque-truncation details
Cheques drawn on the Kalyan E branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UNBA0000031 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 Kalyan E 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 UNBA0000031 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 UNBA0000031
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 – KALYAN E, 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:
UNBA0000031. - 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 Kalyan E branch
The branch is located at UNIT NO-107 & 108,MONARCH CRYSTAL,MONARCH UNIVERSAL LIFESCASPES,KALYAN SHILPHATA ROAD,NEAR TATA POWER HOUSE,KALYAN EAST-421203, 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 Kalyan E branch” — the verified location pin for IFSC UNBA0000031 should appear at the top of the results.
- Confirm the branch is open by calling 22-9930368816 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 UNBA0000031 and your account number.
Verifying IFSC UNBA0000031 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 UNBA0000031 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-9930368816.
- 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 Kalyan E branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UNBA0000031, however, work 24x7.
Branch address & contact
Unity Small finance Bank LimitedKalyan E Branch
UNIT NO-107 & 108,MONARCH CRYSTAL,MONARCH UNIVERSAL LIFESCASPES,KALYAN SHILPHATA ROAD,NEAR TATA POWER HOUSE,KALYAN EAST-421203
Thane, Maharashtra
Phone: 22-9930368816
IFSC: UNBA0000031
Frequently asked questions
Can I use IFSC UNBA0000031 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UNBA0000031 to send funds instantly.
What is the phone number of Unity Small finance Bank Limited Kalyan E branch?
You can reach the branch at 22-9930368816 during regular banking hours.
How quickly will an NEFT transfer using UNBA0000031 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Unity Small finance Bank Limited – Kalyan E reflect within 30 minutes.
Does Unity Small finance Bank Limited Kalyan E branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-9930368816 to confirm.
Is IFSC UNBA0000031 valid for NEFT and RTGS?
Yes. IFSC UNBA0000031 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Kalyan E branch but serve different purposes.
Summary
The IFSC code UNBA0000031 belongs to Unity Small finance Bank Limited's KALYAN E branch, located at UNIT NO-107 & 108,MONARCH CRYSTAL,MONARCH UNIVERSAL LIFESCASPES,KALYAN… 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.
