IFSC Code of Equitas Small Finance Bank Limited, Bhimavaram Branch, Andhra Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Equitas Small Finance Bank Limited, BHIMAVARAM branch in ANDHRA PRADESH. The 11-digit IFSC ESFB0004031 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Equitas Small Finance Bank Limited at the BHIMAVARAM location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Equitas Small Finance Bank Limited's BHIMAVARAM branch, the IFSC ESFB0004031 breaks down as follows: ESFB identifies the bank, 0 is the reserved character, and 004031 identifies this particular branch.

About Equitas Small Finance Bank Limited

Equitas Small Finance Bank Limited operates a wide network of branches across India, including the Bhimavaram branch in Andhra Pradesh. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, ESFB0004031.

Branch details at a glance

About this branch

The branch is located at R.S.NO.415/1A/1A D.NO.18-4-5,2ND FLOOR,REVENUE WARD NO.9,VELURI VARI VEEDHI,BHIMAVARAM -534201. It serves the Andhra Pradesh region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Equitas Small Finance Bank Limited. The IFSC ESFB0004031 is used to identify this branch on the RBI payments network.

Why every Equitas Small Finance Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including BHIMAVARAM of Equitas Small Finance Bank Limited — its own 11-character IFSC. The code ESFB0004031 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC ESFB0004031 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Bhimavaram branch is mapped to IFSC ESFB0004031 on the RBI payments network. The branch generally supports the full retail product catalogue of Equitas Small Finance Bank Limited, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains ESFB0004031.

Products and services

Customers walking into the Bhimavaram branch can access most of Equitas Small Finance Bank Limited's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC ESFB0004031

How to transfer money using IFSC ESFB0004031

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC ESFB0004031 across all three.

How to use IFSC ESFB0004031 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Equitas Small Finance Bank Limited's BHIMAVARAM branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC ESFB0004031.
4. Confirm the bank name auto-populates as Equitas Small Finance Bank Limited and the branch as BHIMAVARAM.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to BHIMAVARAM

If you need to transfer ₹2 lakh or more in one go to an account at Equitas Small Finance Bank Limited's BHIMAVARAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESFB0004031 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Equitas Small Finance Bank Limited – BHIMAVARAM, use IMPS. With IFSC ESFB0004031 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC ESFB0004031 for Equitas Small Finance Bank Limited – BHIMAVARAM, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Bhimavaram branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Equitas Small Finance Bank Limited's BHIMAVARAM branch, the IFSC ESFB0004031 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Digital banking channels

Most day-to-day work that customers used to do at the Bhimavaram branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC ESFB0004031 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Equitas Small Finance Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC ESFB0004031 and the account number together uniquely identify the Bhimavaram branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Equitas Small Finance Bank Limited – BHIMAVARAM:

• The IFSC is exactly ESFB0004031 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Equitas Small Finance Bank Limited as the bank name and BHIMAVARAM as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Bhimavaram branch sits at R.S.NO.415/1A/1A D.NO.18-4-5,2ND FLOOR,REVENUE WARD NO.9,VELURI VARI VEEDHI,BHIMAVARAM -534201. If you are travelling from outside Andhra Pradesh, search for the branch on a maps application using the bank name and locality, or call the branch contact number to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC ESFB0004031 and your account number.

Verifying IFSC ESFB0004031 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm ESFB0004031 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on the branch contact number.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Bhimavaram branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESFB0004031, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESFB0004031 is the IFSC code of Equitas Small Finance Bank Limited, BHIMAVARAM branch, in ANDHRA PRADESH, ANDHRA PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.