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

Below are the complete branch details for Equitas Small Finance Bank Limited, JAGGAIAHPET branch, located in ANDHRA PRADESH, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is ESFB0004029. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case ESFB0004029 for Equitas Small Finance Bank Limited – JAGGAIAHPET — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, ESFB0004029 is the IFSC of Equitas Small Finance Bank Limited's JAGGAIAHPET branch. The format is fixed: ESFB = bank code, 0 = reserved, 004029 = branch identifier.

Bank profile

Equitas Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Jaggaiahpet branch — IFSC ESFB0004029 — extends the bank's services to customers in and around Andhra Pradesh, Andhra Pradesh.

Branch details at a glance

Jaggaiahpet branch overview

Located at 39& 40 IN R.S.NO.300/1,KODAD ROAD JAGGAYYAPET TOWN JAGGAYYAPET MANDAL,KRISHNA DISTRICT -521175, the Jaggaiahpet branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESFB0004029 is required for all interbank electronic transfers routed through this branch.

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 JAGGAIAHPET branch came to be assigned the code ESFB0004029.

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 ESFB0004029, money simply cannot be routed to the JAGGAIAHPET branch electronically.

Account types you can open at the Jaggaiahpet branch

Once you have an account at Equitas Small Finance Bank Limited – JAGGAIAHPET, the IFSC ESFB0004029 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Jaggaiahpet 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 ESFB0004029

How to transfer money using IFSC ESFB0004029

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 ESFB0004029 across all three.

NEFT to Equitas Small Finance Bank Limited, JAGGAIAHPET using IFSC ESFB0004029

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 ESFB0004029, and confirm that the system picks up Equitas Small Finance Bank Limited – JAGGAIAHPET. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to JAGGAIAHPET

If you need to transfer ₹2 lakh or more in one go to an account at Equitas Small Finance Bank Limited's JAGGAIAHPET branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESFB0004029 while initiating the transfer and the credit will appear within minutes.

IMPS to Equitas Small Finance Bank Limited JAGGAIAHPET (IFSC ESFB0004029)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESFB0004029 in your mobile or internet banking app, and the money is credited to the JAGGAIAHPET branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Jaggaiahpet

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC ESFB0004029:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at JAGGAIAHPET is still linked to IFSC ESFB0004029.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

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 JAGGAIAHPET branch, the IFSC ESFB0004029 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.

Online banking and IFSC ESFB0004029

Equitas Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the JAGGAIAHPET 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 ESFB0004029 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.

MICR & cheque-truncation details

Cheques drawn on the Jaggaiahpet branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESFB0004029 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – JAGGAIAHPET:

• The IFSC is exactly ESFB0004029 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 JAGGAIAHPET 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.

How to reach the Jaggaiahpet branch

The branch is located at 39& 40 IN R.S.NO.300/1,KODAD ROAD JAGGAYYAPET TOWN JAGGAYYAPET MANDAL,KRISHNA DISTRICT -521175, which puts it inside Andhra Pradesh, the broader Ntr district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Equitas Small Finance Bank Limited Jaggaiahpet branch” — the verified location pin for IFSC ESFB0004029 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC ESFB0004029 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESFB0004029 for Equitas Small Finance Bank Limited – JAGGAIAHPET, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Jaggaiahpet 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 ESFB0004029 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ESFB0004029 belongs to Equitas Small Finance Bank Limited's JAGGAIAHPET branch, located at 39& 40 IN R.S.NO.300/1,KODAD ROAD JAGGAYYAPET TOWN JAGGAYYAPET MANDAL,KRISHNA… in ANDHRA PRADESH, ANDHRA PRADESH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.