Use this page as a one-stop reference for everything related to Unity Small finance Bank Limited's BESANT NAGAR CHENNAI branch in THIRUVANMIYUR, TAMIL NADU. The branch's IFSC code UNBA0000340 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 BESANT NAGAR CHENNAI branch, the IFSC UNBA0000340 breaks down as follows: UNBA identifies the bank, 0 is the reserved character, and 000340 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 Besant Nagar Chennai branch in Thiruvanmiyur, Tamil Nadu is part of this network and uses the IFSC code UNBA0000340 for all electronic settlement.
Branch details at a glance
| Bank Name | Unity Small finance Bank Limited |
|---|---|
| Branch | Besant Nagar Chennai |
| IFSC Code | UNBA0000340 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DOOR NO T-21-A & B ,6TH AVENUE ,CA. NO 292/2005, BEARING R.S NO 155, T.S NO 48, BLOCK NO 53, THIRUVANMIYUR VILLAGE , VELACHERY TALUK, BESANT NAGAR , CHENNAI- 600090 |
| City | Thiruvanmiyur |
| District | Chennai |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 9042408807 |
About this branch
The branch is located at DOOR NO T-21-A & B ,6TH AVENUE ,CA. NO 292/2005, BEARING R.S NO 155, T.S NO 48, BLOCK NO 53, THIRUVANMIYUR VILLAGE , VELACHERY TALUK, BESANT NAGAR , CHENNAI- 600090. It serves the Thiruvanmiyur 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 UNBA0000340 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 BESANT NAGAR CHENNAI of Unity Small finance Bank Limited — its own 11-character IFSC. The code UNBA0000340 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 UNBA0000340 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Besant Nagar Chennai branch is mapped to IFSC UNBA0000340 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 UNBA0000340.
Banking services available
The Besant Nagar Chennai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-9042408807.
- 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 UNBA0000340
How to transfer money using IFSC UNBA0000340
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 UNBA0000340 across all three.
NEFT to Unity Small finance Bank Limited, BESANT NAGAR CHENNAI using IFSC UNBA0000340
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 UNBA0000340, and confirm that the system picks up Unity Small finance Bank Limited – BESANT NAGAR CHENNAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BESANT NAGAR CHENNAI
If you need to transfer ₹2 lakh or more in one go to an account at Unity Small finance Bank Limited's BESANT NAGAR CHENNAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UNBA0000340 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 – BESANT NAGAR CHENNAI, use IMPS. With IFSC UNBA0000340 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 UNBA0000340 for Unity Small finance Bank Limited – BESANT NAGAR CHENNAI, 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 – UNBA0000340 | Yes – UNBA0000340 | Yes – UNBA0000340 |
For most retail customers crediting the Besant Nagar Chennai 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 BESANT NAGAR CHENNAI branch, the IFSC UNBA0000340 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 Besant Nagar Chennai 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 UNBA0000340 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 Besant Nagar Chennai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UNBA0000340 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC UNBA0000340
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 – BESANT NAGAR CHENNAI, 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:
UNBA0000340. - 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 Besant Nagar Chennai branch
The branch is located at DOOR NO T-21-A & B ,6TH AVENUE ,CA. NO 292/2005, BEARING R.S NO 155, T.S NO 48, BLOCK NO 53, THIRUVANMIYUR VILLAGE , VELACHERY TALUK, BESANT NAGAR , CHENNAI- 600090, which puts it inside Thiruvanmiyur, the broader Chennai district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Unity Small finance Bank Limited Besant Nagar Chennai branch” — the verified location pin for IFSC UNBA0000340 should appear at the top of the results.
- Confirm the branch is open by calling 44-9042408807 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 UNBA0000340 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UNBA0000340 for Unity Small finance Bank Limited – BESANT NAGAR CHENNAI, 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.
Working hours
Branch counters at Besant Nagar Chennai 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 UNBA0000340 continue to work without interruption.
Branch address & contact
Unity Small finance Bank LimitedBesant Nagar Chennai Branch
DOOR NO T-21-A & B ,6TH AVENUE ,CA. NO 292/2005, BEARING R.S NO 155, T.S NO 48, BLOCK NO 53, THIRUVANMIYUR VILLAGE , VELACHERY TALUK, BESANT NAGAR , CHENNAI- 600090
Thiruvanmiyur, Tamil Nadu
Phone: 44-9042408807
IFSC: UNBA0000340
Frequently asked questions
What is the phone number of Unity Small finance Bank Limited Besant Nagar Chennai branch?
You can reach the branch at 44-9042408807 during regular banking hours.
How do I add Unity Small finance Bank Limited Besant Nagar Chennai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UNBA0000340, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UNBA0000340 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UNBA0000340 to send funds instantly.
Is IFSC UNBA0000340 the same for all accounts at Besant Nagar Chennai branch?
Yes. The IFSC UNBA0000340 is shared by every account held at Unity Small finance Bank Limited's Besant Nagar Chennai branch. Only the account number changes from customer to customer.
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 Besant Nagar Chennai branch but serve different purposes.
Where is Unity Small finance Bank Limited Besant Nagar Chennai branch located?
Unity Small finance Bank Limited's Besant Nagar Chennai branch is located at DOOR NO T-21-A & B ,6TH AVENUE ,CA. NO 292/2005, BEARING R.S NO 155, T.S NO 48, BLOCK NO 53, THIRUVANMIYUR VILLAGE , VELACHERY TALUK, BESANT NAGAR , CHENNAI- 600090, Thiruvanmiyur, Tamil Nadu.
Final notes
To recap: UNBA0000340 is the IFSC code of Unity Small finance Bank Limited, BESANT NAGAR CHENNAI branch, in THIRUVANMIYUR, TAMIL NADU. 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.
