Unity Small Finance Bank Limited Dharwad IFSC Code
Unity Small Finance Bank Limited
IFSC · Used for NEFT, IMPS & RTGS
MICR · This branch may not process cheques.
Branch
Dharwad
Address
Elite Business Centre, 307/9-a, Nagarkar Colony, Near Bagal Coat Petrol Pump,opp Hosa Yellapur Brts Bus Stop ,pb Road, Dharwad 580001
View on Google MapsDistrict
Dharwad
State
Karnataka
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Frequently Asked Questions
About Unity Small Finance Bank Limited Dharwad (stop Pb Road Dharwad 580001 - 0315), Dharwad
The IFSC code UNBA0000315 (lowercase: unba0000315) belongs to Unity Small Finance Bank Limited, specifically the Dharwad (stop Pb Road Dharwad 580001 - 0315) branch located in Dharwad, Karnataka.
The 5th character in the IFSC code UNBA0000315 is a zero (0), not the letter 'O'. The correct format is UNBA0000315 (lowercase: unba0000315), and not UNBAO000315. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Unity Small Finance Bank Limited Dharwad (stop Pb Road Dharwad 580001 - 0315) in Dharwad, Karnataka is UNBA0000315. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Unity Small Finance Bank Limited Dharwad (stop Pb Road Dharwad 580001 - 0315) is located at Elite Business Centre, 307/9-a, Nagarkar Colony, Near Bagal Coat Petrol Pump,opp Hosa Yellapur Brts Bus Stop ,pb Road, Dharwad 580001, Dharwad, Karnataka. You can click the "View on Google Maps" button on this page to get directions.
The MICR code for Unity Small Finance Bank Limited Dharwad (stop Pb Road Dharwad 580001 - 0315) in Dharwad is printed at the bottom of your cheque leaf. If you cannot locate it, contact your branch directly or check your passbook.
Yes. IFSC code UNBA0000315 is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code UNBA0000315 by checking: (1) The top-left corner of any Unity Small Finance Bank Limited Dharwad (stop Pb Road Dharwad 580001 - 0315) cheque leaf, (2) The first page of your Unity Small Finance Bank Limited passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: UNBA0000315
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
UNBA0000315
What Each Part Means
- Bank Code — UNBA
- The first 4 characters uniquely identify Unity Small Finance Bank Limited at the national level. Every branch of Unity Small Finance Bank Limited across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — 000315
- The final 6 characters 000315 uniquely identify this specific branch within the Unity Small Finance Bank Limited network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | UNBA | Identifies Unity Small Finance Bank Limited |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 000315 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
Swipe left to view full cheque
Unity Small Finance Bank Limited
Dharwad (stop Pb Road Dharwad 580001 - 0315), Dharwad, Karnataka
Cheque No.
00000315
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | UNBA0000315 | Not available |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.