Use this page as a one-stop reference for everything related to Equitas Small Finance Bank Limited's CHIDAMBARAM branch in CUDDALORE, TAMIL NADU. The branch's IFSC code ESFB0001077 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 CHIDAMBARAM branch, the IFSC ESFB0001077 breaks down as follows: ESFB identifies the bank, 0 is the reserved character, and 001077 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 Chidambaram branch — IFSC ESFB0001077 — extends the bank's services to customers in and around Cuddalore, Tamil Nadu.
Branch details at a glance
| Bank Name | Equitas Small Finance Bank Limited |
|---|---|
| Branch | Chidambaram |
| IFSC Code | ESFB0001077 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO 57, NEW NO 140, EAST CAR STREET, CHIDAMBARAM, CUDALORE DISTRICT, PIN 608001 |
| City | Cuddalore |
| District | Cuddalore |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 30898015 |
About this branch
The branch is located at NO 57, NEW NO 140, EAST CAR STREET, CHIDAMBARAM, CUDALORE DISTRICT, PIN 608001. It serves the Cuddalore region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Equitas Small Finance Bank Limited. The IFSC ESFB0001077 is used to identify this branch on the RBI payments network.
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 CHIDAMBARAM branch came to be assigned the code ESFB0001077.
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 ESFB0001077, money simply cannot be routed to the CHIDAMBARAM branch electronically.
Products and account variants supported
Every account opened at the Chidambaram branch is mapped to IFSC ESFB0001077 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 ESFB0001077.
Products and services
Customers walking into the Chidambaram 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 ESFB0001077
How to transfer money using IFSC ESFB0001077
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 ESFB0001077 across all three.
How to use IFSC ESFB0001077 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 CHIDAMBARAM 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC ESFB0001077.
- Confirm the bank name auto-populates as Equitas Small Finance Bank Limited and the branch as CHIDAMBARAM.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC ESFB0001077
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 – CHIDAMBARAM, ensure your bank's portal accepts IFSC ESFB0001077 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 – CHIDAMBARAM, use IMPS. With IFSC ESFB0001077 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 ESFB0001077 for Equitas Small Finance Bank Limited – CHIDAMBARAM, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – ESFB0001077 | Yes – ESFB0001077 | Yes – ESFB0001077 |
For most retail customers crediting the Chidambaram 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.
UPI payments and IFSC ESFB0001077
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 – CHIDAMBARAM is still mapped to IFSC ESFB0001077. 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 ESFB0001077 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Chidambaram 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 ESFB0001077 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 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 ESFB0001077 and the account number together uniquely identify the Chidambaram branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC ESFB0001077
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 – CHIDAMBARAM, 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:
ESFB0001077. - 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.
How to reach the Chidambaram branch
The branch is located at NO 57, NEW NO 140, EAST CAR STREET, CHIDAMBARAM, CUDALORE DISTRICT, PIN 608001, which puts it inside Cuddalore, the broader Cuddalore district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Equitas Small Finance Bank Limited Chidambaram branch” — the verified location pin for IFSC ESFB0001077 should appear at the top of the results.
- Confirm the branch is open by calling 44-30898015 before stepping out, especially around public holidays.
- 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 ESFB0001077 and your account number.
Verifying IFSC ESFB0001077 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 ESFB0001077 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.
Working hours
Branch counters at Chidambaram 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 ESFB0001077 continue to work without interruption.
Branch address & contact
Equitas Small Finance Bank LimitedChidambaram Branch
NO 57, NEW NO 140, EAST CAR STREET, CHIDAMBARAM, CUDALORE DISTRICT, PIN 608001
Cuddalore, Tamil Nadu
Phone: 44-30898015
IFSC: ESFB0001077
Frequently asked questions
Is IFSC ESFB0001077 valid for NEFT and RTGS?
Yes. IFSC ESFB0001077 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Chidambaram branch but serve different purposes.
Is IFSC ESFB0001077 the same for all accounts at Chidambaram branch?
Yes. The IFSC ESFB0001077 is shared by every account held at Equitas Small Finance Bank Limited's Chidambaram branch. Only the account number changes from customer to customer.
How do I add Equitas Small Finance Bank Limited Chidambaram as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC ESFB0001077, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Equitas Small Finance Bank Limited Chidambaram branch located?
Equitas Small Finance Bank Limited's Chidambaram branch is located at NO 57, NEW NO 140, EAST CAR STREET, CHIDAMBARAM, CUDALORE DISTRICT, PIN 608001, Cuddalore, Tamil Nadu.
What is the phone number of Equitas Small Finance Bank Limited Chidambaram branch?
You can reach the branch at 44-30898015 during regular banking hours.
Summary
The IFSC code ESFB0001077 belongs to Equitas Small Finance Bank Limited's CHIDAMBARAM branch, located at NO 57, NEW NO 140, EAST CAR STREET, CHIDAMBARAM, CUDALORE DISTRICT, PIN 608001 in CUDDALORE, TAMIL NADU. 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.
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