IFSC Code of Equitas Small Finance Bank Limited, Rajaji Nagar, Ariyalur Branch, Tamil Nadu

Use this page as a one-stop reference for everything related to Equitas Small Finance Bank Limited's RAJAJI NAGAR, ARIYALUR branch in ARIYALUR, TAMIL NADU. The branch's IFSC code ESFB0001225 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.

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 RAJAJI NAGAR, ARIYALUR branch, the IFSC ESFB0001225 breaks down as follows: ESFB identifies the bank, 0 is the reserved character, and 001225 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 Rajaji Nagar, Ariyalur branch in Ariyalur, Tamil Nadu is part of this network and uses the IFSC code ESFB0001225 for all electronic settlement.

About the Rajaji Nagar, Ariyalur branch

The Rajaji Nagar, Ariyalur branch of Equitas Small Finance Bank Limited is situated at NO 19 B2,KEERAIKARA STREET,RAJAJI NAGAR,LAND MARK BACK SIDE OF ANUBHA GAS AGENCY,ARIYALUR-621713. 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 ESFB0001225 is used.

Branch details at a glance

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 RAJAJI NAGAR, ARIYALUR branch came to be assigned the code ESFB0001225.

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 ESFB0001225, money simply cannot be routed to the RAJAJI NAGAR, ARIYALUR branch electronically.

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 ESFB0001225 and the account number together uniquely identify the Rajaji Nagar, Ariyalur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC ESFB0001225

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 ESFB0001225 across all three.

How to use IFSC ESFB0001225 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 RAJAJI NAGAR, ARIYALUR 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 ESFB0001225.
4. Confirm the bank name auto-populates as Equitas Small Finance Bank Limited and the branch as RAJAJI NAGAR, ARIYALUR.
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 ESFB0001225

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 – RAJAJI NAGAR, ARIYALUR, ensure your bank's portal accepts IFSC ESFB0001225 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Equitas Small Finance Bank Limited – RAJAJI NAGAR, ARIYALUR, use IMPS. With IFSC ESFB0001225 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Rajaji Nagar, Ariyalur

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 ESFB0001225:

• 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 RAJAJI NAGAR, ARIYALUR is still linked to IFSC ESFB0001225.

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 ESFB0001225

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 – RAJAJI NAGAR, ARIYALUR is still mapped to IFSC ESFB0001225. 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 ESFB0001225 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Rajaji Nagar, Ariyalur branch is mapped to IFSC ESFB0001225 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 ESFB0001225.

Banking services available

The Rajaji Nagar, Ariyalur 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 ESFB0001225

Digital banking channels

Most day-to-day work that customers used to do at the Rajaji Nagar, Ariyalur 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 ESFB0001225 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.

Reaching the branch

The Rajaji Nagar, Ariyalur branch sits at NO 19 B2,KEERAIKARA STREET,RAJAJI NAGAR,LAND MARK BACK SIDE OF ANUBHA GAS AGENCY,ARIYALUR-621713. If you are travelling from outside Ariyalur, 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 ESFB0001225 and your account number.

Common mistakes to avoid when using IFSC ESFB0001225

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 – RAJAJI NAGAR, ARIYALUR, 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: ESFB0001225.
• 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.

Working hours

Branch counters at Rajaji Nagar, Ariyalur 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 ESFB0001225 continue to work without interruption.

Verifying IFSC ESFB0001225 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 ESFB0001225 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 address & contact

Frequently asked questions

Final notes

To recap: ESFB0001225 is the IFSC code of Equitas Small Finance Bank Limited, RAJAJI NAGAR, ARIYALUR branch, in ARIYALUR, TAMIL NADU. 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.