IFSC Code of Equitas Small Finance Bank Limited, Khammam, Khammam District, Telagana Branch, Andhra Pradesh

Use this page as a one-stop reference for everything related to Equitas Small Finance Bank Limited's KHAMMAM, KHAMMAM DISTRICT, TELAGANA branch in ANDHRA PRADESH, ANDHRA PRADESH. The branch's IFSC code ESFB0004009 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 – KHAMMAM, KHAMMAM DISTRICT, TELAGANA is ESFB0004009. The first four letters ESFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004009 map to this branch in ANDHRA PRADESH, ANDHRA PRADESH.

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 Khammam, Khammam District, Telagana branch in Andhra Pradesh, Andhra Pradesh is part of this network and uses the IFSC code ESFB0004009 for all electronic settlement.

Branch details at a glance

Khammam, Khammam District, Telagana branch overview

Located at H.NO.6-3-295,OPP VVC SCHOOL,NEAR NTR STATUE,BY PASS ROAD,KHAMMAM, TELANGANA-507002, the Khammam, Khammam District, Telagana branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESFB0004009 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 KHAMMAM, KHAMMAM DISTRICT, TELAGANA branch came to be assigned the code ESFB0004009.

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 ESFB0004009, money simply cannot be routed to the KHAMMAM, KHAMMAM DISTRICT, TELAGANA branch electronically.

Products and account variants supported

Every account opened at the Khammam, Khammam District, Telagana branch is mapped to IFSC ESFB0004009 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 ESFB0004009.

Products and services

Customers walking into the Khammam, Khammam District, Telagana 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 ESFB0004009

How to transfer money using IFSC ESFB0004009

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 ESFB0004009 across all three.

How to use IFSC ESFB0004009 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 KHAMMAM, KHAMMAM DISTRICT, TELAGANA 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 ESFB0004009.
4. Confirm the bank name auto-populates as Equitas Small Finance Bank Limited and the branch as KHAMMAM, KHAMMAM DISTRICT, TELAGANA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC ESFB0004009

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Equitas Small Finance Bank Limited – KHAMMAM, KHAMMAM DISTRICT, TELAGANA, ensure your bank's portal accepts IFSC ESFB0004009 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Equitas Small Finance Bank Limited KHAMMAM, KHAMMAM DISTRICT, TELAGANA (IFSC ESFB0004009)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESFB0004009 in your mobile or internet banking app, and the money is credited to the KHAMMAM, KHAMMAM DISTRICT, TELAGANA branch account within seconds.

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

All three modes accept the IFSC ESFB0004009 for Equitas Small Finance Bank Limited – KHAMMAM, KHAMMAM DISTRICT, TELAGANA, 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 Khammam, Khammam District, Telagana 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 ESFB0004009

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 – KHAMMAM, KHAMMAM DISTRICT, TELAGANA is still mapped to IFSC ESFB0004009. 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 ESFB0004009 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Khammam, Khammam District, Telagana 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 ESFB0004009 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 ESFB0004009 and the account number together uniquely identify the Khammam, Khammam District, Telagana branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC ESFB0004009

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 – KHAMMAM, KHAMMAM DISTRICT, TELAGANA, 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: ESFB0004009.
• 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 Khammam, Khammam District, Telagana branch

The branch is located at H.NO.6-3-295,OPP VVC SCHOOL,NEAR NTR STATUE,BY PASS ROAD,KHAMMAM, TELANGANA-507002, 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 Khammam, Khammam District, Telagana branch” — the verified location pin for IFSC ESFB0004009 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 ESFB0004009 and your account number.

Verifying IFSC ESFB0004009 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 ESFB0004009 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 Khammam, Khammam District, Telagana 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 ESFB0004009 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ESFB0004009 belongs to Equitas Small Finance Bank Limited's KHAMMAM, KHAMMAM DISTRICT, TELAGANA branch, located at H.NO.6-3-295,OPP VVC SCHOOL,NEAR NTR STATUE,BY PASS ROAD,KHAMMAM,… 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.