If you are searching for the IFSC code of Unity Small finance Bank Limited, RAM MARUTI ROAD THANE branch in THANE, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is UNBA0000023. 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 RAM MARUTI ROAD THANE branch, and detailed step-by-step guides for using the IFSC UNBA0000023 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 RAM MARUTI ROAD THANE branch, the IFSC UNBA0000023 breaks down as follows: UNBA identifies the bank, 0 is the reserved character, and 000023 identifies this particular branch.
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 Ram Maruti Road Thane branch in Thane, Maharashtra is part of this network and uses the IFSC code UNBA0000023 for all electronic settlement.
Branch details at a glance
| Bank Name | Unity Small finance Bank Limited |
|---|---|
| Branch | Ram Maruti Road Thane |
| IFSC Code | UNBA0000023 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR,UNIT NO 2 AND 5,MANGALMURTI BUILDING,RAM MARUTI ROAD,NAUPADA, THANE-400601 |
| City | Thane |
| District | Thane |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 8424994547 |
About the Ram Maruti Road Thane branch
The Ram Maruti Road Thane branch of Unity Small finance Bank Limited is situated at GROUND FLOOR,UNIT NO 2 AND 5,MANGALMURTI BUILDING,RAM MARUTI ROAD,NAUPADA, THANE-400601. 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 UNBA0000023 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 RAM MARUTI ROAD THANE of Unity Small finance Bank Limited — its own 11-character IFSC. The code UNBA0000023 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 UNBA0000023 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 Ram Maruti Road Thane branch
Once you have an account at Unity Small finance Bank Limited – RAM MARUTI ROAD THANE, the IFSC UNBA0000023 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 Ram Maruti Road Thane 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 UNBA0000023
How to transfer money using IFSC UNBA0000023
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 UNBA0000023 across all three.
How to use IFSC UNBA0000023 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 RAM MARUTI ROAD THANE 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 UNBA0000023.
- Confirm the bank name auto-populates as Unity Small finance Bank Limited and the branch as RAM MARUTI ROAD THANE.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UNBA0000023
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 – RAM MARUTI ROAD THANE, ensure your bank's portal accepts IFSC UNBA0000023 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Unity Small finance Bank Limited RAM MARUTI ROAD THANE (IFSC UNBA0000023)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UNBA0000023 in your mobile or internet banking app, and the money is credited to the RAM MARUTI ROAD THANE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UNBA0000023 for Unity Small finance Bank Limited – RAM MARUTI ROAD THANE, 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 – UNBA0000023 | Yes – UNBA0000023 | Yes – UNBA0000023 |
For most retail customers crediting the Ram Maruti Road Thane 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 RAM MARUTI ROAD THANE branch, the IFSC UNBA0000023 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.
Digital banking channels
Most day-to-day work that customers used to do at the Ram Maruti Road Thane 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 UNBA0000023 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 Ram Maruti Road Thane branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UNBA0000023 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 – RAM MARUTI ROAD THANE:
- The IFSC is exactly UNBA0000023 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 RAM MARUTI ROAD THANE 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 Ram Maruti Road Thane branch sits at GROUND FLOOR,UNIT NO 2 AND 5,MANGALMURTI BUILDING,RAM MARUTI ROAD,NAUPADA, THANE-400601. If you are travelling from outside Thane, search for the branch on a maps application using the bank name and locality, or call 22-8424994547 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 UNBA0000023 and your account number.
Verifying IFSC UNBA0000023 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 UNBA0000023 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-8424994547.
- 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 Ram Maruti Road Thane branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UNBA0000023, however, work 24x7.
Branch address & contact
Unity Small finance Bank LimitedRam Maruti Road Thane Branch
GROUND FLOOR,UNIT NO 2 AND 5,MANGALMURTI BUILDING,RAM MARUTI ROAD,NAUPADA, THANE-400601
Thane, Maharashtra
Phone: 22-8424994547
IFSC: UNBA0000023
Frequently asked questions
What is the phone number of Unity Small finance Bank Limited Ram Maruti Road Thane branch?
You can reach the branch at 22-8424994547 during regular banking hours.
Does Unity Small finance Bank Limited Ram Maruti Road Thane branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-8424994547 to confirm.
What is the IFSC code of Unity Small finance Bank Limited Ram Maruti Road Thane branch?
The IFSC code of Unity Small finance Bank Limited, Ram Maruti Road Thane branch is UNBA0000023. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using UNBA0000023 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Unity Small finance Bank Limited – Ram Maruti Road Thane reflect within 30 minutes.
Is IFSC UNBA0000023 the same for all accounts at Ram Maruti Road Thane branch?
Yes. The IFSC UNBA0000023 is shared by every account held at Unity Small finance Bank Limited's Ram Maruti Road Thane branch. Only the account number changes from customer to customer.
Can I use IFSC UNBA0000023 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UNBA0000023 to send funds instantly.
Summary
The IFSC code UNBA0000023 belongs to Unity Small finance Bank Limited's RAM MARUTI ROAD THANE branch, located at GROUND FLOOR,UNIT NO 2 AND 5,MANGALMURTI BUILDING,RAM MARUTI ROAD,NAUPADA,… 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.
