IFSC Code of Equitas Small Finance Bank Limited, Rbi Layout Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for Equitas Small Finance Bank Limited, RBI LAYOUT branch in BENGALURU URBAN. The 11-digit IFSC ESFB0003034 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Equitas Small Finance Bank Limited at the RBI LAYOUT location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 RBI LAYOUT branch, the IFSC ESFB0003034 breaks down as follows: ESFB identifies the bank, 0 is the reserved character, and 003034 identifies this particular branch.

Bank profile

Equitas Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Rbi Layout branch — IFSC ESFB0003034 — extends the bank's services to customers in and around Bengaluru Urban, Karnataka.

Rbi Layout branch overview

Located at 632,KOTHNUR,RBIHBCSLAYOUT,BANAGLORE-560062, the Rbi Layout branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESFB0003034 is required for all interbank electronic transfers routed through this branch.

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 RBI LAYOUT branch came to be assigned the code ESFB0003034.

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 ESFB0003034, money simply cannot be routed to the RBI LAYOUT 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 ESFB0003034 and the account number together uniquely identify the Rbi Layout branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC ESFB0003034

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 ESFB0003034 across all three.

How to use IFSC ESFB0003034 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 RBI LAYOUT 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 ESFB0003034.
4. Confirm the bank name auto-populates as Equitas Small Finance Bank Limited and the branch as RBI LAYOUT.
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 RBI LAYOUT

If you need to transfer ₹2 lakh or more in one go to an account at Equitas Small Finance Bank Limited's RBI LAYOUT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESFB0003034 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 – RBI LAYOUT, use IMPS. With IFSC ESFB0003034 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC ESFB0003034 for Equitas Small Finance Bank Limited – RBI LAYOUT, 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 Rbi Layout 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 RBI LAYOUT branch, the IFSC ESFB0003034 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.

Account types you can open at the Rbi Layout branch

Once you have an account at Equitas Small Finance Bank Limited – RBI LAYOUT, the IFSC ESFB0003034 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Rbi Layout branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-30898015.

• 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 ESFB0003034

Digital banking channels

Most day-to-day work that customers used to do at the Rbi Layout 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 ESFB0003034 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.

How to reach the Rbi Layout branch

The branch is located at 632,KOTHNUR,RBIHBCSLAYOUT,BANAGLORE-560062, which puts it inside Bengaluru Urban, the broader Bengaluru Urban district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Equitas Small Finance Bank Limited Rbi Layout branch” — the verified location pin for IFSC ESFB0003034 should appear at the top of the results.
2. Confirm the branch is open by calling 44-30898015 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 ESFB0003034 and your account number.

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 – RBI LAYOUT:

• The IFSC is exactly ESFB0003034 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 RBI LAYOUT 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.

Working hours

Branch counters at Rbi Layout 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 ESFB0003034 continue to work without interruption.

Verifying IFSC ESFB0003034 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 ESFB0003034 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 44-30898015.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESFB0003034 is the IFSC code of Equitas Small Finance Bank Limited, RBI LAYOUT branch, in BENGALURU URBAN, KARNATAKA. 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.