What is the official website of the payment service?
https://www.unitybank.co.in
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Where can I find the customer support contacts?
The customer support contacts are located on the “Contact Us” page of the official Unity Small Finance Bank website.
What is the hotline phone number?
18001211961
Is there a toll-free support number?
Toll-free support is available; 18001211961 is provided for customer queries.
What is the email address for technical support?
Are there separate emails for different types of inquiries?
Yes, there are separate email addresses for complaints ([email protected]) and other queries ([email protected]).
Where can I find the online chat support?
Online chat support can typically be accessed via the bank’s official website when available.
Does the chat support work 24/7?
Chat support is generally available during regular business hours and not 24/7, unless specified otherwise by the provider.
Is there support through messengers (Telegram, WhatsApp)?
Unity Small Finance Bank usually does not offer direct messenger support through WhatsApp or Telegram; standard industry channels are website and phone.
What are the support working hours?
Main customer support is usually available Monday to Saturday, from 9:00am to 6:00pm, excluding bank holidays.
Does support work on weekends and holidays?
Support services may not be available on Sundays or public holidays; limited weekend hours can be expected based on industry norms.
Are there regional offices for in-person visits?
Unity Small Finance Bank maintains physical branches and regional offices for in-person customer service across various cities.
Where are the physical offices located?
Physical branches and offices are located across major cities and towns in India; location details are available on the official website.
Can I schedule a personal meeting?
Personal meetings are normally scheduled by contacting the branch or customer care ahead; booking procedure may differ by location.
Are there representatives in different countries?
The bank primarily operates in India; international representative offices are not typical for small finance banks.
In which languages is support available?
Support is commonly available in English, Hindi, and local regional languages depending on branch location.
How quickly does support respond to requests?
Average response times range from a few minutes for calls to several hours for emails; branch queries may take longer.
Is there a priority system for VIP clients?
Priority support for VIP customers may be available, including dedicated relationship managers for select account types.
Can I request a callback?
Callback services are generally available when requested via online forms or customer care channels; scheduling depends on demand.
When was the payment service founded?
Unity Small Finance Bank commenced operations in November 2021.
Who is the founder and owner of the service?
The bank is sponsored by Centrum Financial Services Limited with ownership shared between Centrum Group and Resilient Innovations Private Limited (BharatPe).
What is the development history of the payment service?
Unity Small Finance Bank was formed after Centrum Financial Services Limited and BharatPe acquired the assets of the troubled Punjab & Maharashtra Co-operative Bank in 2021.
Have there been major updates or rebranding?
The bank was established following the acquisition and rebranding of the PMC Bank; major updates include expansion of digital banking.
Who sits on the company's board of directors?
The board includes key representatives from Centrum Group and BharatPe; specific names are publicly listed in regulatory disclosures.
Are there investors or partners in the service?
Major stakeholders include Centrum Group and BharatPe, among other strategic partners and investors involved in funding.
Does the company participate in stock trading?
Unity Small Finance Bank is not publicly traded as of 2025.
What is the company's market capitalization?
The market capitalization is not publicly available because the bank is not listed on a stock exchange.
Are there subsidiary companies or branches?
The bank operates multiple branches across India but does not have subsidiaries.
What licenses does the payment service have?
Unity Small Finance Bank holds a Small Finance Bank license issued by the Reserve Bank of India (RBI).
In which jurisdictions does the service operate officially?
The service operates officially across India with reach in multiple states and regions.
Are there licenses for cryptocurrency operations?
Indian small finance banks do not possess cryptocurrency-specific licenses; they follow RBI guidelines prohibiting direct crypto activities.
Does the service comply with AML/KYC requirements?
Strict AML and KYC compliance is maintained as per RBI regulatory requirements.
Are there security certificates (PCI DSS, etc.)?
Standard security certifications like ISO and PCI DSS are followed for digital banking platforms for safe payments.
Has the service undergone security audits?
Regular IT and security audits are conducted to ensure compliance with industry standards.
Is there insurance for client funds?
Deposits are insured up to ₹500,000 per depositor by Deposit Insurance and Credit Guarantee Corporation, as mandated by RBI.
Which international standards does it comply with?
Compliance with ISO 27001, PCI DSS, and other financial industry international standards for IT and data security.
Have there been any regulatory fines or violations?
No major regulatory fines or violations against Unity Small Finance Bank have been publicly reported as of August 2025.
Where can I find real reviews about the service?
Real reviews can be found on Google Reviews, Trustpilot, bank review sites, and financial forums.
What are the main user complaints?
Common complaints include issues with account opening, occasional delays in service, and limited branch access in certain areas.
What do users most often praise the service for?
Users appreciate the modern digital platform, efficient onboarding, and competitive interest rates.
Are there issues with fund withdrawals?
Some users have reported occasional delays with fund withdrawals; most are resolved within stipulated RBI timelines.
Is the interface convenient according to users?
The digital banking interface is praised for clarity, mobile compatibility, and ease of use.
Are clients satisfied with transaction speed?
Most clients are satisfied with transaction speeds for digital payments and IMPS/RTGS transfers.
Do users recommend this service?
Many users recommend the service for its digital-first approach and accessible customer support.
How do experts assess the service's reliability?
Financial experts rate Unity Small Finance Bank as reliable, particularly due to strong RBI oversight and regulatory compliance.
Are there industry awards and recognitions?
Unity Small Finance Bank received the approval from RBI for acquisition and rebranding, seen as a notable industry event; formal awards are limited.
Does the service participate in payment system rankings?
The bank participates in Indian banking sector rankings; specificity varies year to year.
Are there recommendations from financial regulators?
RBI’s licensing and continuing oversight is regarded as an indirect endorsement, confirming compliance and operational standards.
What reputation does the service have among partners?
The bank is seen as reliable by commercial partners thanks to stability post-acquisition and proactive service expansion.
How do they evaluate solution innovation?
Innovation is recognized in digital onboarding, integration with BharatPe, and introduction of competitive banking products.
Are there quality service certificates?
The platform likely holds ISO and PCI DSS certificates as per banking best practices for IT and security.
Does the company participate in industry conferences?
Unity Small Finance Bank participates in fintech and banking conferences in India to showcase products and network.
How does the service position itself in the market?
Unity Small Finance Bank positions itself as a digital-first, customer-centric small finance provider for retail and MSMEs.
Which fiat currencies does the service support?
Indian Rupee (INR) is fully supported; foreign currencies are typically not supported in retail SFBs.
Are cryptocurrencies supported? Which ones specifically?
Cryptocurrencies are not supported; RBI prohibits direct crypto services in banking.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or token is issued by the bank.
Can currencies be converted within the service?
Currency conversion is generally not offered; retail small finance banks rarely handle foreign exchange.
What exchange rates are used for conversion?
Exchange rates and conversion mechanisms are typically not applicable.
How often are exchange rates updated?
Exchange rates are not directly applicable as small finance banks focus on domestic currency.
Are stablecoins supported?
Stablecoins are not supported as per current banking regulations in India.
Can exotic currencies be handled?
Exotic and non-INR currencies are typically not handled in Unity Small Finance Bank.
Are there currency restrictions in different countries?
Currency services are bound by Indian regulations; restrictions depend on RBI rules.
What types of transfers does the service support?
NEFT, RTGS, IMPS, UPI, and internal transfers between Unity Small Finance Bank accounts.
Can transfers be made between service users?
Yes, transfers between Unity Small Finance Bank users are supported via internal banking options and UPI.
Are transfers to bank cards supported?
Transfers to bank cards are generally not common; transfers go to bank accounts or via UPI.
Can money be transferred to bank accounts?
Yes, money can be transferred to other bank accounts using NEFT, RTGS, IMPS, and UPI.
Is bill payment available?
Bill payments are supported through net banking and mobile applications for utilities, telecom, and other services.
Are recurring payments supported?
Recurring payments can be set up using standing instructions or NACH mandates.
Can automatic transfers be set up?
Automated transfers are possible via standing instructions or scheduled payments in net banking.
Is payment scheduling available?
Payment scheduling is available for recurring and future-dated transactions.
Are group payments supported?
Group payments and expense splitting are less common but can be managed informally using UPI.
Can payment links be created?
Payment links can be generated for collection via third-party platforms integrated with UPI and BharatPe.
What are the minimum transaction amounts in the service?
Minimum transaction limits depend on the specific service; UPI can allow transfer from ₹1 onward.
What are the maximum amounts that can be transferred?
Limits vary: UPI up to ₹100,000, IMPS up to ₹500,000, NEFT/RTGS as per RBI and bank’s policy.
Are there daily limits on operations?
Daily transaction limits are set according to RBI guidelines and Unity Small Finance Bank’s risk policies.
What monthly and annual limits are in effect?
Monthly and annual transaction limits are determined by RBI and the bank; specifics vary by product and account type.
Can limits be increased? How?
Limits can be increased upon application, subject to enhanced KYC and approval by the bank.
Do limits differ for verified users?
Verified users generally enjoy higher limits and access to additional services.
Are there restrictions for new accounts?
New accounts may have lower initial limits until full KYC and operational history are established.
Do special limits apply in different countries?
As Unity Small Finance Bank operates in India alone, limits are consistent nationally.
Can operations be temporarily blocked?
Temporary blocks can be placed for suspicious activities, fraud, or user-requested account freezes.
Are there limits on the number of daily operations?
Daily transaction count limits may be applied for security and regulatory reasons.
What are the minimum amounts for account funding?
Minimum funding amounts typically start at ₹500, depending on the deposit type.
What methods of funding are supported?
Funding sources include cash deposits, cheque, IMPS, NEFT, RTGS, and UPI.
Are there fees for funding?
Funding via digital channels is usually free; cash deposit fees may apply for large amounts.
What are the minimum funding amounts?
Minimum deposit amounts begin at ₹500, varying by account type or method.
How quickly are funds credited when funding?
Digital funds are often credited instantly or within a few hours; cheque deposits may take 2–3 business days.
How can money be withdrawn from the system?
Withdrawals can be done via branch, ATM, and digital transfer to other bank accounts.
Are there fees for fund withdrawal?
Withdrawal fees may apply at ATMs beyond free monthly limits; digital transfers are usually free.
How long does withdrawal take?
Digital withdrawals (IMPS/UPI) are usually instant; branch and cheque withdrawals may take 1–2 business days.
What withdrawal limits are set?
Daily withdrawal limits depend on account type, KYC level, and channel (ATM, branch, or online).
How quickly are funds credited when funding with a card?
Card-based funding is usually credited instantly, as per standard banking procedures.
How long does a bank transfer take?
NEFT may take 1–2 hours, RTGS is immediate, and IMPS/UPI is processed instantly.
How quickly do cryptocurrency transfers arrive?
Cryptocurrency transfers are not supported.
Are transfers between users instant?
Internal and UPI transfers are instant.
Are there delays when funding on weekends?
Digital channel funding is mostly unaffected; branch or cheque-based deposits may be delayed on weekends.
Do holidays affect funding speed?
Funding via branches and cheques is delayed on holidays; digital transfers (UPI/IMPS/RTGS) are processed except during technical downtime.
Can crediting be accelerated for a fee?
Express crediting is generally not offered by small finance banks.
What determines the speed of funding processing?
Factors include channel used, transaction limits, system maintenance, and regulatory requirements.
Are there notifications about funding status?
Users receive SMS/email/app notifications on fund credit, status changes, and delays.
What to do if funding takes too long?
Contact customer service, provide transaction details, and initiate a complaint via helpline or branch visit.
How quickly are withdrawal requests processed?
Withdrawal requests via digital channels are processed immediately; branch requests may take longer.
How long does card withdrawal take?
ATM cash withdrawals are instant, subject to machine and network availability.
How quickly do bank transfers arrive?
IMPS and RTGS transfers are instant; NEFT may take up to 2 hours.
Are cryptocurrency withdrawals instant?
Cryptocurrency withdrawals are not supported.
Are there withdrawal delays on weekends?
Digital withdrawals are rarely delayed; branch withdrawals may be affected by weekend schedules.
Do holidays affect withdrawal speed?
Holidays can delay branch/cheque withdrawals; digital withdrawals generally continue unless technical restrictions apply.
Can withdrawal be accelerated for an additional fee?
Express withdrawal is not a standard feature in small finance banks.
What determines withdrawal processing time?
Transaction channel, verification status, system load, and compliance checks determine withdrawal speed.
Are there notifications about withdrawal status?
Withdrawal status updates are sent by SMS, email, and app notifications.
Can a withdrawal request be canceled?
Withdrawal requests made online or via app usually cannot be canceled once processed; branch-based requests may allow cancellation prior to completion.
How to register with the payment service?
Registration is done by visiting a branch or online via the official website; provide KYC documents and fill out forms.
What data is needed to create an account?
Name, address, mobile number, email, proof of identity, proof of address, and PAN card are standard requirements.
Can registration be done without email?
Registration can be completed without an email, but mobile number and identity proof are mandatory.
Is phone confirmation required during registration?
Yes, phone verification or OTP confirmation is typically mandatory for secure registration.
Are there age restrictions for registration?
Minimum age is 18 years, as per banking norms.
Can a corporate account be created?
Corporate or business accounts can be set up with required legal documents and business proofs.
Is it required to provide real data?
Providing real, verifiable data is necessary for regulatory compliance.
Are there country restrictions for registration?
Accounts are available to Indian residents and entities only; non-residents face restrictions.
How long does account activation take?
Account activation is usually completed same day if documents are in order; delays may occur for manual verification.
What verification levels exist?
Basic verification, full KYC, and enhanced due diligence levels exist for different products.
What documents are required for basic verification?
PAN card, Aadhaar card, and proof of address are typically required.
Are documents needed for full verification?
Yes, full KYC requires additional documents as per RBI requirements.
Are digital copies of documents accepted?
Scanned digital copies are accepted for most online registrations.
How long does the verification procedure take?
Verification takes 24–48 hours if documents are submitted correctly.
Can the service be used without verification?
Limited services are available without full verification; most functions require complete KYC.
What restrictions apply to unverified users?
Unverified users have lower transaction limits, restricted services, and limited account access.
Is address confirmation required?
Address proof is mandatory, such as Aadhaar card, voter ID, or utility bill.
Is a selfie with documents required?
Photo verification may be requested, particularly for digital onboarding.
How often do documents need to be updated?
Documents should be updated on expiry or when mandated by the bank or regulator.
What encryption technologies does the service use?
Unity Small Finance Bank employs SSL/TLS encryption and follows banking best practices for securing data.
Is two-factor authentication supported?
Yes, two-factor authentication is supported for login and select transactions.
Are there SMS confirmations for operations?
SMS confirmations are required for most transactions and account changes.
Is biometric authentication supported?
Biometric authentication is available via mobile apps if device supports it.
Is blockchain technology used?
Blockchain is not implemented in standard small finance banking operations.
Is there a multi-level security system?
Multi-layered security, including firewalls, encryption, and authentication controls, is standard.
How is user personal data protected?
Personal data is protected per data privacy regulations, including encryption, access controls, and secure storage.
Is cold storage used for cryptocurrencies?
Cold storage is not relevant as cryptocurrencies are not serviced.
Is there DDoS attack protection?
Bank IT infrastructure employs DDoS mitigation to safeguard digital platforms.
Are regular security audits conducted?
Regular security audits are performed monthly/quarterly per RBI guidelines.
What anti-phishing protection measures are provided?
Anti-phishing protection includes email alerts, app warnings, and transaction verification steps.
Is there a suspicious activity detection system?
Automated detection systems monitor accounts for fraud or suspicious activities.
How does the service combat money laundering?
Compliance checks, transaction monitoring, and verification processes are implemented to deter money laundering.
Is there blocking of suspicious accounts?
Accounts flagged for suspicious activity can be blocked and investigated per regulatory norms.
What to do when fraud is detected?
Immediately report to customer support and bank branch; request account freeze and official investigation.
How to report suspicious activity?
Report via customer care number, email, or by visiting a branch for prompt investigation.
Is there compensation for damage from fraudsters?
Compensation is provided on investigation if bank responsibility is proven; coverage may be limited by terms.
What user rights exist for disputed transactions?
Users can dispute transactions, file complaints, and request reversals; resolution is governed by RBI rules.
How to dispute account blocking?
File a written request to customer care or branch; the grievance procedure will follow RBI dispute resolution policies.
Is there insurance against cyber attacks?
Cyber insurance may be carried by the bank; individual deposit insurance covers deposit loss by bank insolvency, not cyber attacks.
What fees does the service charge for transfers?
Fees depend on transfer type; UPI and IMPS are often free, while NEFT and RTGS may carry nominal charges.
Are there fees for account funding?
Digital funding is mostly free; cash deposits may incur charges for larger amounts.
Are fees charged for fund withdrawal?
ATM withdrawals beyond free quota are charged; branch withdrawals are mostly free, subject to policy.
Are there fees for currency conversion?
Not applicable as foreign currencies are generally not offered.
Are there fees for account inactivity?
Most regulated banks do not charge inactivity fees; exceptions may apply for dormant account handling.
Are there account maintenance fees?
Some account types, especially corporate accounts, may have monthly or annual maintenance fees.
Are fees charged for operation cancellation?
Operational cancellation fees are typically not charged but may apply in specific products.
Are there hidden fees?
Full fee transparency is mandated by RBI; all fees are disclosed in tariff schedules and product terms.
How are fees calculated for large amounts?
Fees are proportional or capped based on transaction size per RBI and bank policy.
Are there different tariff plans in the service?
Multiple tariff plans exist for savings, current, corporate accounts; details depend on product selection.
What advantages does VIP status provide?
VIP amenities may include higher limits, priority support, and exclusive banking benefits.
How to get preferential conditions?
Preferential benefits are granted by holding select account types or maintaining high balances.
Are there free operations per month?
Free operations include a quota of ATM withdrawals and digital transactions per month.
Are there discounts for active users?
Active users may be rewarded with discounts or higher quotas on transactions.
Are there corporate tariffs?
Corporate tariffs offer tailored pricing for business-focused accounts and services.
Can individual conditions be obtained?
Individual terms can be negotiated based on account type, volume, and relationship value.
Do promotional codes work for fee reduction?
Promotional codes for reduced fees may be available through special campaigns and partner promotions.
Are there cashback programs?
Cashback offers may be available via partner merchants, select cards, and digital payment promotions.
Are there discounts for transaction volumes?
Volume discounting is offered for corporate clients; retail discounts depend on specific promotions.
Is there an official mobile application?
Yes, Unity Small Finance Bank has an official mobile app available for banking services.
On which platforms is the application available?
The app is available on Android and iOS platforms.
What functions are available in the mobile application?
Functions include account management, fund transfer, bill payment, transaction history, and customer support.
Does functionality differ from the web version?
Most core features are the same, with some limitations for advanced settings and document uploads.
Is Touch ID/Face ID supported?
Biometric access is supported on compatible mobile devices.
Can the application work offline?
App requires internet for core banking; some local functions like transaction history viewing may work offline.
Are there push notifications about operations?
Push notifications for transactions, alerts, and updates are supported.
Is dark theme supported?
Dark mode is available in the mobile application.
How often is the mobile application updated?
Frequent updates are released quarterly or as required for new features and security fixes.
Are there beta versions of the application?
Beta versions may be offered to select users for testing new features.
Is the web interface of the service convenient?
The web interface is user-friendly, streamlined, and supports multiple devices.
Is responsive design supported?
Responsive design is implemented for seamless usability across mobile and desktop platforms.
In which languages is the interface available?
The interface supports English and other major Indian regional languages.
Is there a night mode for the website?
Night/dark mode is available for the web interface.
Are hotkeys supported?
Web platform may support basic keyboard shortcuts for navigation.
Can data be exported?
Data export for account statements and transaction history is supported in PDF/CSV formats.
Is there an API for developers?
APIs for integrations are offered for business clients and partners.
Is integration with other services supported?
Integration is available with third-party financial platforms, payment gateways, and BharatPe services.
How often is the web interface updated?
Web interface is updated regularly, typically every month or as features require.
Are there virtual cards in the service?
Virtual debit cards may be offered for online transactions and payment security.
Can disposable cards be created?
Disposable or limited-use cards for enhanced security may be available in select products.
Is multi-currency account functionality supported?
Multi-currency accounts are generally not supported in Indian small finance banks.
Are there investment products?
Investment services include fixed deposits and recurring deposit products.
Can interest be earned on balance?
Interest is paid on qualifying balances in savings and deposit accounts as per RBI regulations.
Are there credit products?
Credit products include personal loans, business loans, and secured lending.
Is P2P trading supported?
P2P trading is not supported.
Can cryptocurrencies be bought/sold?
Cryptocurrency buying/selling is not supported.
Is there acquiring for business?
Merchant acquiring services are available for business clients, including POS machines and digital collection.
Are mass payouts supported?
Mass payout and bulk payment solutions are available for corporate accounts.
Is there a loyalty program in the service?
Customer loyalty programs may exist, usually focused on engagement and rewards with partner merchants.
How are bonus points earned?
Reward points can be earned through eligible transactions, spending, and promotional activities.
Is there cashback for operations?
Cashback opportunities are provided for select products and campaigns.
Are there referral programs?
Referral programs reward customers for inviting new users to the bank.
What privileges do VIP clients have?
VIP clients enjoy higher limits, special offers, and personalized relationship management.
Are there seasonal promotions and offers?
Seasonal offers and promotions are launched in partnership with merchants and digital platforms.
Can premium status be obtained?
Premium account status is available through select product enrollment and balance requirements.
Are there partner discounts?
Discounts are offered at partner merchants and through co-branded products.
Are there corporate loyalty programs?
Loyalty programs tailored for business clients may include enhanced banking benefits and corporate rewards.
Does the service allow operations with online casinos?
Indian regulations prohibit banking transactions directly to online casinos.
Are there restrictions on gambling transactions?
Gambling transactions are restricted or blocked by policy.
Can accounts be blocked for casino play?
Accounts may be blocked if casino-related transactions violate RBI norms.
How does the service view gambling?
Gambling transactions are generally prohibited to comply with Indian regulations.
Are there special conditions for gambling?
No special provisions for gambling payments as these are restricted.
Are casino transactions tracked?
All suspicious transactions, including potential gambling, are monitored as per AML guidelines.
Can operations with gambling sites be hidden?
Transparency is required; concealment violates compliance standards.
Are there notifications about gambling expenses?
Gambling expense notifications are not a standard feature due to regulatory restrictions.
Are there special fees for gambling operations?
Special fees do not apply as casino transactions are not permitted.
Can limits be set on gambling?
Gambling transaction limits are implemented by default through blocking policies.
Is there a self-exclusion function?
Self-exclusion from gambling is not applicable as transactions are restricted.
Can access to gambling sites be restricted?
Bank services automatically block payments to identified gambling sites.
Is gambling expense control supported?
Gambling expense tracking is not provided due to prohibition.
Are there notifications about limit exceedance?
Spending limit notifications are provided for general banking but not specifically for gambling.
Can operations with casinos be blocked?
All casino and gambling payments are blocked in accordance with Indian regulation.
Is there gambling expense statistics?
Gambling spending analytics are not available because such operations are restricted.
Is a "cooling-off period" supported?
Cooling-off features for gambling are not relevant due to restrictions.
Can help be obtained for gambling addiction?
Gambling addiction support is not directly offered; customers are referred to independent organizations.
Is there partnership with player assistance organizations?
No formal partnerships with gambling assistance organizations; banks may guide affected clients.
How to set up gambling expense notifications?
Not applicable as gambling expenses are not supported.
Which online casinos accept this payment method?
Indian banks do not allow payments to online casinos.
Are there exclusive partnerships with specific casinos?
No partnerships with casinos exist due to regulatory prohibition.
Do conditions differ when used in different casinos?
Conditions do not apply as gambling payments are blocked.
Are there special bonuses for using this method in casinos?
Casino-specific bonuses are not available.
Can the method be used for both deposits and withdrawals in casinos?
Usage is prohibited for both deposits and withdrawals to casinos.
Are there geographic restrictions for casino usage?
Usage for casino transactions is restricted nationwide per RBI regulations.
How do casino operators typically process transactions from this method?
Casino payments are blocked; operators cannot process such transactions.
Are there typical processing times when used with casinos?
Processing is not applicable; casino transactions are not permitted.
Do casinos usually charge additional fees for this method?
Not applicable as casino transactions are blocked.
Are there any known compatibility issues with major casino platforms?
Compatibility is not relevant since gambling transactions are not allowed.