Unity Small Finance Bank Limited Wakad IFSC Code
Unity Small Finance Bank Limited
IFSC · Used for NEFT, IMPS & RTGS
MICR · This branch may not process cheques.
Branch
Wakad
Address
Shri Kripa, Survey No.26, Pimpale Nilakh, Vishal Nagar, Aundh-wakad Road, Near Apple Hospital,wakad, Pune-411027
View on Google MapsDistrict
Pune
State
Maharashtra
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Frequently Asked Questions
About Unity Small Finance Bank Limited Wakad (nagar Aundh-wakad Road Near - 0248), Pune
The IFSC code UNBA0000248 (lowercase: unba0000248) belongs to Unity Small Finance Bank Limited, specifically the Wakad (nagar Aundh-wakad Road Near - 0248) branch located in Pune, Maharashtra.
The 5th character in the IFSC code UNBA0000248 is a zero (0), not the letter 'O'. The correct format is UNBA0000248 (lowercase: unba0000248), and not UNBAO000248. 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 Wakad (nagar Aundh-wakad Road Near - 0248) in Pune, Maharashtra is UNBA0000248. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Unity Small Finance Bank Limited Wakad (nagar Aundh-wakad Road Near - 0248) is located at Shri Kripa, Survey No.26, Pimpale Nilakh, Vishal Nagar, Aundh-wakad Road, Near Apple Hospital,wakad, Pune-411027, Pune, Maharashtra. You can click the "View on Google Maps" button on this page to get directions.
The MICR code for Unity Small Finance Bank Limited Wakad (nagar Aundh-wakad Road Near - 0248) in Pune 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 UNBA0000248 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 UNBA0000248 by checking: (1) The top-left corner of any Unity Small Finance Bank Limited Wakad (nagar Aundh-wakad Road Near - 0248) 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: UNBA0000248
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
UNBA0000248
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 — 000248
- The final 6 characters 000248 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 | 000248 | 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
Wakad (nagar Aundh-wakad Road Near - 0248), Pune, Maharashtra
Cheque No.
00000248
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 | UNBA0000248 | 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.