IFSC Code of Equitas Small Finance Bank Limited, Karimnagar, Karimnagar District, Telangana Branch, Andhra Pradesh

If you are searching for the IFSC code of Equitas Small Finance Bank Limited, KARIMNAGAR, KARIMNAGAR DISTRICT, TELANGANA branch in ANDHRA PRADESH, ANDHRA PRADESH, this page has every detail you need. The verified IFSC code for this branch is ESFB0004011. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KARIMNAGAR, KARIMNAGAR DISTRICT, TELANGANA branch, and detailed step-by-step guides for using the IFSC ESFB0004011 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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, ESFB0004011 is the IFSC of Equitas Small Finance Bank Limited's KARIMNAGAR, KARIMNAGAR DISTRICT, TELANGANA branch. The format is fixed: ESFB = bank code, 0 = reserved, 004011 = branch identifier.

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 Karimnagar, Karimnagar District, Telangana branch in Andhra Pradesh, Andhra Pradesh is part of this network and uses the IFSC code ESFB0004011 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at H. NO 8-6-185 A, 2ND FLOOR, LAXMI COMPLEX, KOTHI RAMPUR,KARIMNAGAR-505001. 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 ESFB0004011 is used to identify this branch on the RBI payments network.

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 KARIMNAGAR, KARIMNAGAR DISTRICT, TELANGANA branch came to be assigned the code ESFB0004011.

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 ESFB0004011, money simply cannot be routed to the KARIMNAGAR, KARIMNAGAR DISTRICT, TELANGANA branch electronically.

Products and account variants supported

Every account opened at the Karimnagar, Karimnagar District, Telangana branch is mapped to IFSC ESFB0004011 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 ESFB0004011.

Products and services

Customers walking into the Karimnagar, Karimnagar District, Telangana 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 ESFB0004011

How to transfer money using IFSC ESFB0004011

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 ESFB0004011 across all three.

How to use IFSC ESFB0004011 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 KARIMNAGAR, KARIMNAGAR DISTRICT, TELANGANA 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 ESFB0004011.
4. Confirm the bank name auto-populates as Equitas Small Finance Bank Limited and the branch as KARIMNAGAR, KARIMNAGAR DISTRICT, TELANGANA.
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 KARIMNAGAR, KARIMNAGAR DISTRICT, TELANGANA

If you need to transfer ₹2 lakh or more in one go to an account at Equitas Small Finance Bank Limited's KARIMNAGAR, KARIMNAGAR DISTRICT, TELANGANA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESFB0004011 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 – KARIMNAGAR, KARIMNAGAR DISTRICT, TELANGANA, use IMPS. With IFSC ESFB0004011 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 ESFB0004011 for Equitas Small Finance Bank Limited – KARIMNAGAR, KARIMNAGAR DISTRICT, TELANGANA, 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 Karimnagar, Karimnagar District, Telangana 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 KARIMNAGAR, KARIMNAGAR DISTRICT, TELANGANA branch, the IFSC ESFB0004011 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 Karimnagar, Karimnagar District, Telangana 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 ESFB0004011 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 & cheque-truncation details

Cheques drawn on the Karimnagar, Karimnagar District, Telangana branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESFB0004011 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC ESFB0004011

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Equitas Small Finance Bank Limited – KARIMNAGAR, KARIMNAGAR DISTRICT, TELANGANA, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: ESFB0004011.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Karimnagar, Karimnagar District, Telangana branch

The branch is located at H. NO 8-6-185 A, 2ND FLOOR, LAXMI COMPLEX, KOTHI RAMPUR,KARIMNAGAR-505001, which puts it inside Andhra Pradesh, the broader Andhra Pradesh 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 Karimnagar, Karimnagar District, Telangana branch” — the verified location pin for IFSC ESFB0004011 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 ESFB0004011 and your account number.

Verifying IFSC ESFB0004011 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 ESFB0004011 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 Karimnagar, Karimnagar District, Telangana branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESFB0004011, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESFB0004011 is the IFSC code of Equitas Small Finance Bank Limited, KARIMNAGAR, KARIMNAGAR DISTRICT, TELANGANA 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.