IFSC Code of Equitas Small Finance Bank Limited, Chunchaghatta Main Road Branch, Karnataka

Use this page as a one-stop reference for everything related to Equitas Small Finance Bank Limited's CHUNCHAGHATTA MAIN ROAD branch in BANGALORE, KARNATAKA. The branch's IFSC code ESFB0003046 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.

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, ESFB0003046 is the IFSC of Equitas Small Finance Bank Limited's CHUNCHAGHATTA MAIN ROAD branch. The format is fixed: ESFB = bank code, 0 = reserved, 003046 = branch identifier.

Bank profile

Equitas Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Chunchaghatta Main Road branch — IFSC ESFB0003046 — extends the bank's services to customers in and around Bangalore, Karnataka.

Branch details at a glance

About the Chunchaghatta Main Road branch

The Chunchaghatta Main Road branch of Equitas Small Finance Bank Limited is situated at NO 6&11 SUPRAJA NAGARA GIRI TOWERS,CHUNCHAGHATTA MAIN ROAD,KONANAKUNTE POST,BENGALURU -560062. 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 ESFB0003046 is used.

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 CHUNCHAGHATTA MAIN ROAD branch came to be assigned the code ESFB0003046.

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 ESFB0003046, money simply cannot be routed to the CHUNCHAGHATTA MAIN ROAD branch electronically.

Products and account variants supported

Every account opened at the Chunchaghatta Main Road branch is mapped to IFSC ESFB0003046 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 ESFB0003046.

Banking services available

The Chunchaghatta Main Road 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 ESFB0003046

How to transfer money using IFSC ESFB0003046

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 ESFB0003046 across all three.

How to use IFSC ESFB0003046 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 CHUNCHAGHATTA MAIN ROAD 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 ESFB0003046.
4. Confirm the bank name auto-populates as Equitas Small Finance Bank Limited and the branch as CHUNCHAGHATTA MAIN ROAD.
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 CHUNCHAGHATTA MAIN ROAD

If you need to transfer ₹2 lakh or more in one go to an account at Equitas Small Finance Bank Limited's CHUNCHAGHATTA MAIN ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESFB0003046 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 – CHUNCHAGHATTA MAIN ROAD, use IMPS. With IFSC ESFB0003046 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 Chunchaghatta Main Road

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 ESFB0003046:

• 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 CHUNCHAGHATTA MAIN ROAD is still linked to IFSC ESFB0003046.

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.

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 CHUNCHAGHATTA MAIN ROAD branch, the IFSC ESFB0003046 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 Chunchaghatta Main Road 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 ESFB0003046 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 Chunchaghatta Main Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESFB0003046 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 – CHUNCHAGHATTA MAIN ROAD:

• The IFSC is exactly ESFB0003046 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 CHUNCHAGHATTA MAIN ROAD 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 Chunchaghatta Main Road branch sits at NO 6&11 SUPRAJA NAGARA GIRI TOWERS,CHUNCHAGHATTA MAIN ROAD,KONANAKUNTE POST,BENGALURU -560062. If you are travelling from outside Bangalore, 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 ESFB0003046 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESFB0003046 for Equitas Small Finance Bank Limited – CHUNCHAGHATTA MAIN ROAD, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 Chunchaghatta Main Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESFB0003046, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ESFB0003046 belongs to Equitas Small Finance Bank Limited's CHUNCHAGHATTA MAIN ROAD branch, located at NO 6&11 SUPRAJA NAGARA GIRI TOWERS,CHUNCHAGHATTA MAIN ROAD,KONANAKUNTE… in BANGALORE, 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.