IFSC Code of Unity Small finance Bank Limited, Nilje Dombivali East Branch, Maharashtra

Use this page as a one-stop reference for everything related to Unity Small finance Bank Limited's NILJE DOMBIVALI EAST branch in THANE, MAHARASHTRA. The branch's IFSC code UNBA0000081 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.

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 NILJE DOMBIVALI EAST branch, the IFSC UNBA0000081 breaks down as follows: UNBA identifies the bank, 0 is the reserved character, and 000081 identifies this particular branch.

Bank profile

Unity Small finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Nilje Dombivali East branch — IFSC UNBA0000081 — extends the bank's services to customers in and around Thane, Maharashtra.

Branch details at a glance

About this branch

The branch is located at SHOP NO.14,15,16 & 17 GROUND FLOOR,LODHA SHOPPING CENTRE,LODHA HEAVEN,NILJE,KALYAN-SHIL ROAD,DOMBIVLI(EAST)-421201. 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 UNBA0000081 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 NILJE DOMBIVALI EAST branch came to be assigned the code UNBA0000081.

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 UNBA0000081, money simply cannot be routed to the NILJE DOMBIVALI EAST branch electronically.

Account types you can open at the Nilje Dombivali East branch

Once you have an account at Unity Small finance Bank Limited – NILJE DOMBIVALI EAST, the IFSC UNBA0000081 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 Nilje Dombivali East branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-8879505833.

• 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 UNBA0000081

How to transfer money using IFSC UNBA0000081

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 UNBA0000081 across all three.

NEFT to Unity Small finance Bank Limited, NILJE DOMBIVALI EAST using IFSC UNBA0000081

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 UNBA0000081, and confirm that the system picks up Unity Small finance Bank Limited – NILJE DOMBIVALI EAST. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to NILJE DOMBIVALI EAST

If you need to transfer ₹2 lakh or more in one go to an account at Unity Small finance Bank Limited's NILJE DOMBIVALI EAST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UNBA0000081 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 – NILJE DOMBIVALI EAST, use IMPS. With IFSC UNBA0000081 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 Nilje Dombivali East

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 UNBA0000081:

• 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 NILJE DOMBIVALI EAST is still linked to IFSC UNBA0000081.

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 UNBA0000081

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 – NILJE DOMBIVALI EAST is still mapped to IFSC UNBA0000081. 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 UNBA0000081 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UNBA0000081

Unity Small finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the NILJE DOMBIVALI EAST 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 UNBA0000081 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.

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 UNBA0000081 and the account number together uniquely identify the Nilje Dombivali East branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC UNBA0000081

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 – NILJE DOMBIVALI EAST, 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: UNBA0000081.
• 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 Nilje Dombivali East branch

The branch is located at SHOP NO.14,15,16 & 17 GROUND FLOOR,LODHA SHOPPING CENTRE,LODHA HEAVEN,NILJE,KALYAN-SHIL ROAD,DOMBIVLI(EAST)-421201, which puts it inside Thane, the broader Thane district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Unity Small finance Bank Limited Nilje Dombivali East branch” — the verified location pin for IFSC UNBA0000081 should appear at the top of the results.
2. Confirm the branch is open by calling 22-8879505833 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 UNBA0000081 and your account number.

Verifying IFSC UNBA0000081 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 UNBA0000081 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-8879505833.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Nilje Dombivali East 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 UNBA0000081 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UNBA0000081 belongs to Unity Small finance Bank Limited's NILJE DOMBIVALI EAST branch, located at SHOP NO.14,15,16 & 17 GROUND FLOOR,LODHA SHOPPING CENTRE,LODHA… 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.