IFSC Code of Equitas Small Finance Bank Limited, Athani Branch, Karnataka

If you are searching for the IFSC code of Equitas Small Finance Bank Limited, ATHANI branch in ATHANI, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is ESFB0003118. 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 ATHANI branch, and detailed step-by-step guides for using the IFSC ESFB0003118 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.

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 – ATHANI is ESFB0003118. The first four letters ESFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003118 map to this branch in ATHANI, KARNATAKA.

Bank profile

Equitas Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Athani branch — IFSC ESFB0003118 — extends the bank's services to customers in and around Athani, Karnataka.

Branch details at a glance

Athani branch overview

Located at R S NO - 1224 E PLOT NO - 9 10, S S NO - 6-660-2386 11, MURAGAYYA ARCADE HALIYA ROAD GASTI PLOT BESIDE VASTALYA HOSPITAL ATHANI - 591304, the Athani branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESFB0003118 is required for all interbank electronic transfers routed through this branch.

Why every Equitas Small Finance Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including ATHANI of Equitas Small Finance Bank Limited — its own 11-character IFSC. The code ESFB0003118 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC ESFB0003118 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Athani branch is mapped to IFSC ESFB0003118 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 ESFB0003118.

Products and services

Customers walking into the Athani 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 ESFB0003118

How to transfer money using IFSC ESFB0003118

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 ESFB0003118 across all three.

NEFT to Equitas Small Finance Bank Limited, ATHANI using IFSC ESFB0003118

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 ESFB0003118, and confirm that the system picks up Equitas Small Finance Bank Limited – ATHANI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC ESFB0003118

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 – ATHANI, ensure your bank's portal accepts IFSC ESFB0003118 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Equitas Small Finance Bank Limited ATHANI (IFSC ESFB0003118)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESFB0003118 in your mobile or internet banking app, and the money is credited to the ATHANI branch account within seconds.

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

All three modes accept the IFSC ESFB0003118 for Equitas Small Finance Bank Limited – ATHANI, 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 Athani 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 ATHANI branch, the IFSC ESFB0003118 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 ESFB0003118

Equitas Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ATHANI 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 ESFB0003118 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 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 ESFB0003118 and the account number together uniquely identify the Athani branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – ATHANI:

• The IFSC is exactly ESFB0003118 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 ATHANI 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.

Reaching the branch

The Athani branch sits at R S NO - 1224 E PLOT NO - 9 10, S S NO - 6-660-2386 11, MURAGAYYA ARCADE HALIYA ROAD GASTI PLOT BESIDE VASTALYA HOSPITAL ATHANI - 591304. If you are travelling from outside Athani, search for the branch on a maps application using the bank name and locality, or call 0 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 ESFB0003118 and your account number.

Verifying IFSC ESFB0003118 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 ESFB0003118 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• 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 Athani branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESFB0003118, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ESFB0003118 belongs to Equitas Small Finance Bank Limited's ATHANI branch, located at R S NO - 1224 E PLOT NO - 9 10, S S NO - 6-660-2386 11, MURAGAYYA ARCADE… in ATHANI, KARNATAKA. 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.