IFSC Code of Equitas Small Finance Bank Limited, Virugambakkam Branch, Tamil Nadu

Use this page as a one-stop reference for everything related to Equitas Small Finance Bank Limited's VIRUGAMBAKKAM branch in CHENNAI, TAMIL NADU. The branch's IFSC code ESFB0001064 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 VIRUGAMBAKKAM branch, the IFSC ESFB0001064 breaks down as follows: ESFB identifies the bank, 0 is the reserved character, and 001064 identifies this particular branch.

About Equitas Small Finance Bank Limited

Equitas Small Finance Bank Limited operates a wide network of branches across India, including the Virugambakkam branch in Chennai. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, ESFB0001064.

Virugambakkam branch overview

Located at OLD NO-14/4 NEW NO 47,FIRST FLOOR,ARCOT ROAD,VIRUGAMBAKKAM,PORUR,CHENNAI, the Virugambakkam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESFB0001064 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 VIRUGAMBAKKAM of Equitas Small Finance Bank Limited — its own 11-character IFSC. The code ESFB0001064 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 ESFB0001064 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Virugambakkam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESFB0001064 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC ESFB0001064

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 ESFB0001064 across all three.

NEFT to Equitas Small Finance Bank Limited, VIRUGAMBAKKAM using IFSC ESFB0001064

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 ESFB0001064, and confirm that the system picks up Equitas Small Finance Bank Limited – VIRUGAMBAKKAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC ESFB0001064

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 – VIRUGAMBAKKAM, ensure your bank's portal accepts IFSC ESFB0001064 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Equitas Small Finance Bank Limited VIRUGAMBAKKAM (IFSC ESFB0001064)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESFB0001064 in your mobile or internet banking app, and the money is credited to the VIRUGAMBAKKAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Virugambakkam

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 ESFB0001064:

• 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 VIRUGAMBAKKAM is still linked to IFSC ESFB0001064.

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 VIRUGAMBAKKAM branch, the IFSC ESFB0001064 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.

Products and account variants supported

Every account opened at the Virugambakkam branch is mapped to IFSC ESFB0001064 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 ESFB0001064.

Products and services

Customers walking into the Virugambakkam 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 ESFB0001064

Online banking and IFSC ESFB0001064

Equitas Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the VIRUGAMBAKKAM 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 ESFB0001064 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.

How to reach the Virugambakkam branch

The branch is located at OLD NO-14/4 NEW NO 47,FIRST FLOOR,ARCOT ROAD,VIRUGAMBAKKAM,PORUR,CHENNAI, which puts it inside Chennai, the broader Chennai district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Equitas Small Finance Bank Limited Virugambakkam branch” — the verified location pin for IFSC ESFB0001064 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 ESFB0001064 and your account number.

Common mistakes to avoid when using IFSC ESFB0001064

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 – VIRUGAMBAKKAM, 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: ESFB0001064.
• 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 Virugambakkam 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 ESFB0001064 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESFB0001064 for Equitas Small Finance Bank Limited – VIRUGAMBAKKAM, 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 address & contact

Frequently asked questions

Final notes

To recap: ESFB0001064 is the IFSC code of Equitas Small Finance Bank Limited, VIRUGAMBAKKAM branch, in CHENNAI, 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.