IFSC Code of Equitas Small Finance Bank Limited, Rayachoti-a Branch, Andhra Pradesh

If you are searching for the IFSC code of Equitas Small Finance Bank Limited, RAYACHOTI-A branch in ANNAMAYA, ANDHRA PRADESH, this page has every detail you need. The verified IFSC code for this branch is ESFB0004035. 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 RAYACHOTI-A branch, and detailed step-by-step guides for using the IFSC ESFB0004035 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.

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 RAYACHOTI-A branch, the IFSC ESFB0004035 breaks down as follows: ESFB identifies the bank, 0 is the reserved character, and 004035 identifies this particular branch.

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 Rayachoti-a branch in Annamaya, Andhra Pradesh is part of this network and uses the IFSC code ESFB0004035 for all electronic settlement.

Branch details at a glance

Rayachoti-a branch overview

Located at O/4OOYHOOODYCHO-1627, the Rayachoti-a branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESFB0004035 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 RAYACHOTI-A branch came to be assigned the code ESFB0004035.

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 ESFB0004035, money simply cannot be routed to the RAYACHOTI-A branch electronically.

Products and account variants supported

Every account opened at the Rayachoti-a branch is mapped to IFSC ESFB0004035 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 ESFB0004035.

Products and services

Customers walking into the Rayachoti-a 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 ESFB0004035

How to transfer money using IFSC ESFB0004035

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 ESFB0004035 across all three.

How to use IFSC ESFB0004035 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 RAYACHOTI-A 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 ESFB0004035.
4. Confirm the bank name auto-populates as Equitas Small Finance Bank Limited and the branch as RAYACHOTI-A.
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 ESFB0004035

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 – RAYACHOTI-A, ensure your bank's portal accepts IFSC ESFB0004035 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Equitas Small Finance Bank Limited RAYACHOTI-A (IFSC ESFB0004035)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESFB0004035 in your mobile or internet banking app, and the money is credited to the RAYACHOTI-A branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Rayachoti-a

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 ESFB0004035:

• 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 RAYACHOTI-A is still linked to IFSC ESFB0004035.

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.

UPI payments and IFSC ESFB0004035

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 – RAYACHOTI-A is still mapped to IFSC ESFB0004035. 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 ESFB0004035 and the beneficiary's account number to complete the transfer.

Online banking and IFSC ESFB0004035

Equitas Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the RAYACHOTI-A 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 ESFB0004035 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 Rayachoti-a branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESFB0004035 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 – RAYACHOTI-A:

• The IFSC is exactly ESFB0004035 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 RAYACHOTI-A 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 Rayachoti-a branch

The branch is located at O/4OOYHOOODYCHO-1627, which puts it inside Annamaya, the broader Annamaya 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 Rayachoti-a branch” — the verified location pin for IFSC ESFB0004035 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 ESFB0004035 and your account number.

Verifying IFSC ESFB0004035 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 ESFB0004035 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 Rayachoti-a 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 ESFB0004035 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ESFB0004035 belongs to Equitas Small Finance Bank Limited's RAYACHOTI-A branch, located at O/4OOYHOOODYCHO-1627 in ANNAMAYA, 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.