I represent Unocoin and I am available to answer any sepcific questions about Unocoin if you are not able to figure it out yourself 
The main question:
1- Client funds are segregated or not?
Please read above for more clarity.
There is a practical issue if this needs to be done in real time in a specific bank account which means for every buy and sell, the amount needs to keep on decreasing and increasing respectively.
Instead what we do is, we maintain a separate bank account with about 1.25x of previous week ending balance (total of INR balance from customers) and we top this up (if less than 1x of ending balance) as and when required on weekly basis.