Branch visits still matter for many customers whether you’re depositing cash, submitting documents, applying for a loan, or meeting an officer in person. Unity Small Finance Bank blends digital banking with physical branches, but its outlets still follow specific working hours. Assuming private banks operate “anytime” can lead to missed services or closed counters. Knowing the real opening time, closing time, cash cut-offs, and lunch patterns helps you plan an efficient visit without unnecessary waiting.
Below is the detail:
Unity Small Finance Bank Opening Time
The official opening time remains 10:00 AM across both standard and extended branches.
Doors may open slightly earlier for staff preparation, but customer services, token generation, and transactions officially begin at 10:00 AM. This applies uniformly, whether the branch follows standard or extended hours.
For smoother service and shorter queues, 10:00 AM to 11:30 AM remains the best visiting window.
Unity Small Finance Bank Closing Time
Unity Small Finance Bank now follows two closing schedules, depending on the branch type:
- Standard branches: Close at 4:00 PM
- Extended branches (select high-traffic locations): Open until 8:00 PM on weekdays
These extended hours are part of Unity’s 2026 strategy to compete with larger private banks in busy urban markets. Customer entry is generally allowed later in the day at extended branches, but complex requests may still be limited closer to closing.
If you’re unsure which model your branch follows, it’s best to check locally before visiting.
Unity Small Finance Bank Cash Transaction Timings
Cash handling hours now vary by branch type:
- Standard branches: 10:00 AM to 3:30 PM
- Extended branches: 10:00 AM to 7:30 PM
The earlier 3:30 PM cut-off still applies strictly to standard branches. Extended branches keep cash counters open much longer, but reconciliation still begins before final closure.
To avoid delays, aim to finish cash work at least 30 minutes before the listed cut-off.
Unity Small Finance Bank Lunch Time Policy
Unity follows a “no-wait” staggered lunch system.
There is no complete lunch shutdown at any branch. However, customers may notice:
- Slower service between 1:00 PM and 2:30 PM
- Temporary unavailability of officers handling specialised services such as lockers or loans
- Normal counter operations continuing throughout the day
Late morning or early evening (for extended branches) is usually the fastest time.
Unity Small Finance Bank Working Days & Saturday Timings
- Monday to Friday:
- Standard branches: 10:00 AM – 4:00 PM
- Extended branches: 10:00 AM – 8:00 PM
- Saturday:
- Closed on 2nd and 4th Saturdays (RBI mandate)
- On 1st, 3rd, and 5th Saturdays:
- Standard branches usually close at 4:00 PM
- Extended branches often operate till 5:00 PM
- Sunday:
- Most branches remain closed
- Some extended branches are now open from 10:00 AM to 2:00 PM for non-cash services and basic enquiries only
ATM and Digital Banking Availability
Even when branches are closed:
- Unity Small Finance Bank ATMs operate 24×7, subject to cash availability
- Mobile and internet banking allow balance checks, transfers, bill payments, and service requests anytime
This significantly reduces the need for branch visits for routine work.
Plan Smart, Not Late
Unity Small Finance Bank now runs on two clocks the traditional one and an extended one. If you’re visiting a standard branch, the old rules still apply. If you’re near an extended branch, you get far more flexibility, even into the evening and on Sundays.
The key is simple: know which branch you’re visiting. Once you do, Unity’s updated timing structure can turn banking from a rushed chore into a convenient stop that fits your day.
