Unity Small finance Bank Limited — RUIKAR COLONY

KOLHAPUR, MAHARASHTRA

IFSC Code

UNBA0000205

MICR Code

Not available

Branch

RUIKAR COLONY

Bank

Unity Small finance Bank Limited

District

KOLHAPUR

State

MAHARASHTRA

Contact

+917045692751

Address

RUIKAR COLONY BRANCH,PLOT NO - 135,E,WARD,RUIKAR COLONY,KOLHAPUR-416005

Get Directions to This Branch

Using IFSC UNBA0000205 for money transfers

To move funds into an account held at RUIKAR COLONY (Unity Small finance Bank Limited) using NEFT, the sender's bank needs this branch's IFSC code — UNBA0000205. NEFT settles in batches throughout the day, so it's a good fit for transfers that don't need to land instantly.

RTGS is the go-to option when transferring large sums (₹2 lakh+) to RUIKAR COLONY in KOLHAPUR, since each transfer is settled individually and immediately rather than bundled with others.

Need money at Unity Small finance Bank Limited, RUIKAR COLONY right now? IMPS settles instantly, 24x7, including weekends and holidays — unlike NEFT/RTGS, which follow banking-hour batch or settlement windows.

NEFT & RTGS Timing — System Hours vs. Branch Hours

A distinction that matters if you're transferring to RUIKAR COLONY: the RBI settlement system runs 24x7 for NEFT and RTGS, but that doesn't mean this specific branch is open around the clock. Online transfers process any time; in-person or cash-based requests still depend on the branch actually being open.

MethodSystem HoursIf Visiting RUIKAR COLONY In Person
NEFT24x7x365, including weekends and holidays (RBI mandate since 16 Dec 2019)Online/net-banking NEFT processes any time. An in-branch, cash, or cheque-based NEFT request still depends on that branch's working hours.
RTGS24x7x365, including weekends and holidays (RBI mandate since 14 Dec 2020)Minimum transfer amount is ₹2 lakh. Same system-vs-branch-hours distinction as NEFT applies for in-person requests.
IMPS24x7x365 — always has been, no banking-hours restriction at the system level.Typically capped per transaction depending on your bank's own limits (often around ₹5 lakh).

Here's how to send money to RUIKAR COLONY using net banking or a UPI app:

  1. Log in to your bank's net banking portal or mobile banking app.
  2. Add a new beneficiary/payee, entering the recipient's full name and account number.
  3. Enter the IFSC code UNBA0000205 when prompted — this routes the transfer to RUIKAR COLONY specifically.
  4. Most banks require a short cooling-off period (often a few hours) after adding a new beneficiary before the first transfer.
  5. Once the beneficiary is active, choose NEFT, RTGS, or IMPS based on the amount and how quickly you need it to arrive.
  6. Enter the amount, review the details (name, account number, IFSC), and confirm with your OTP/PIN.

Frequently asked questions

What is the IFSC code of the Unity Small finance Bank Limited RUIKAR COLONY branch?

The IFSC code for Unity Small finance Bank Limited's RUIKAR COLONY branch in KOLHAPUR, MAHARASHTRA is UNBA0000205. This 11-character code is required for NEFT, RTGS, and IMPS transfers to any account held at this branch.

What is the MICR code of this branch?

A MICR code isn't listed for this branch in our records. MICR codes are used specifically for cheque clearing — if you need one, it's best to confirm directly with the branch, since it doesn't affect NEFT/RTGS/IMPS transfers, which only need the IFSC code (UNBA0000205).

Where is the RUIKAR COLONY branch of Unity Small finance Bank Limited located?

This branch is located at: RUIKAR COLONY BRANCH,PLOT NO - 135,E,WARD,RUIKAR COLONY,KOLHAPUR-416005. It falls under KOLHAPUR district, MAHARASHTRA.

Can I use this IFSC code for both NEFT and RTGS transfers?

Yes — the same IFSC code (UNBA0000205) is used for NEFT, RTGS, and IMPS transfers to this branch. Which one you should pick depends on the amount and urgency, not the code itself: RTGS for ₹2 lakh+ needing near-instant settlement, NEFT for regular batch-processed transfers, and IMPS for smaller amounts that need to land in seconds.

Is there a phone number for this branch?

Yes, this branch's listed contact number is +917045692751.

Other Unity Small finance Bank Limited branches in KOLHAPUR

DEVKAR PANANDGANDHI NAGARRAJARAMPURISHIVAJI PETHTARABAI PARK

Unity Small finance Bank Limited in other districts of MAHARASHTRA

MUMBAI (41)THANE (18)PUNE (15)NAVI MUMBAI (9)PALGHAR (3)AURANGABAD (2)NASHIK (2)RAIGAD (2)

IFSC and MICR code data sourced from bank-published branch records. While we take care to keep this current, always confirm the IFSC code with your bank before making a large transfer — see our disclaimer for details.