IFSC Code of Equitas Small Finance Bank Limited, Eluru, West Godavari District, Andhra Pradesh Branch, Andhra Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Equitas Small Finance Bank Limited, ELURU, WEST GODAVARI DISTRICT, ANDHRA PRADESH branch in ANDHRA PRADESH. The 11-digit IFSC ESFB0004007 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 ELURU, WEST GODAVARI DISTRICT, ANDHRA PRADESH 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Equitas Small Finance Bank Limited – ELURU, WEST GODAVARI DISTRICT, ANDHRA PRADESH is ESFB0004007. The first four letters ESFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004007 map to this branch in ANDHRA PRADESH, ANDHRA PRADESH.

Branch details at a glance

About the bank

Equitas Small Finance Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Eluru, West Godavari District, Andhra Pradesh branch in Andhra Pradesh, Andhra Pradesh is part of this network and uses the IFSC code ESFB0004007 for all electronic settlement.

About the Eluru, West Godavari District, Andhra Pradesh branch

The Eluru, West Godavari District, Andhra Pradesh branch of Equitas Small Finance Bank Limited is situated at D NO 23B-5-7, VASAVI PLAZA, EADARAVARI STREET, R R PETA, ELURU-534002. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code ESFB0004007 is used.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Equitas Small Finance Bank Limited's ELURU, WEST GODAVARI DISTRICT, ANDHRA PRADESH branch came to be assigned the code ESFB0004007.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC ESFB0004007, money simply cannot be routed to the ELURU, WEST GODAVARI DISTRICT, ANDHRA PRADESH branch electronically.

How to transfer money using IFSC ESFB0004007

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 ESFB0004007 across all three.

NEFT to Equitas Small Finance Bank Limited, ELURU, WEST GODAVARI DISTRICT, ANDHRA PRADESH using IFSC ESFB0004007

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC ESFB0004007, and confirm that the system picks up Equitas Small Finance Bank Limited – ELURU, WEST GODAVARI DISTRICT, ANDHRA PRADESH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ELURU, WEST GODAVARI DISTRICT, ANDHRA PRADESH

If you need to transfer ₹2 lakh or more in one go to an account at Equitas Small Finance Bank Limited's ELURU, WEST GODAVARI DISTRICT, ANDHRA PRADESH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESFB0004007 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 – ELURU, WEST GODAVARI DISTRICT, ANDHRA PRADESH, use IMPS. With IFSC ESFB0004007 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 ESFB0004007 for Equitas Small Finance Bank Limited – ELURU, WEST GODAVARI DISTRICT, ANDHRA PRADESH, 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 Eluru, West Godavari District, Andhra Pradesh 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.

UPI payments and IFSC ESFB0004007

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Equitas Small Finance Bank Limited – ELURU, WEST GODAVARI DISTRICT, ANDHRA PRADESH is still mapped to IFSC ESFB0004007. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC ESFB0004007 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Eluru, West Godavari District, Andhra Pradesh branch is mapped to IFSC ESFB0004007 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 ESFB0004007.

Banking services available

The Eluru, West Godavari District, Andhra Pradesh branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC ESFB0004007

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 ESFB0004007 and the account number together uniquely identify the Eluru, West Godavari District, Andhra Pradesh branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC ESFB0004007

Equitas Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ELURU, WEST GODAVARI DISTRICT, ANDHRA PRADESH branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC ESFB0004007 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

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 – ELURU, WEST GODAVARI DISTRICT, ANDHRA PRADESH:

• The IFSC is exactly ESFB0004007 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 ELURU, WEST GODAVARI DISTRICT, ANDHRA PRADESH 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 Eluru, West Godavari District, Andhra Pradesh branch sits at D NO 23B-5-7, VASAVI PLAZA, EADARAVARI STREET, R R PETA, ELURU-534002. 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 ESFB0004007 and your account number.

Verifying IFSC ESFB0004007 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 ESFB0004007 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.

Working hours

Branch counters at Eluru, West Godavari District, Andhra Pradesh are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to ESFB0004007 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESFB0004007 is the IFSC code of Equitas Small Finance Bank Limited, ELURU, WEST GODAVARI DISTRICT, ANDHRA PRADESH 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.