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

Use this page as a one-stop reference for everything related to Equitas Small Finance Bank Limited's VASISTHAPURAM branch in CUDDALORE, TAMIL NADU. The branch's IFSC code ESFB0001099 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, ESFB0001099 is the IFSC of Equitas Small Finance Bank Limited's VASISTHAPURAM branch. The format is fixed: ESFB = bank code, 0 = reserved, 001099 = branch identifier.

About Equitas Small Finance Bank Limited

Equitas Small Finance Bank Limited operates a wide network of branches across India, including the Vasisthapuram branch in Cuddalore. 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, ESFB0001099.

Branch details at a glance

Vasisthapuram branch overview

Located at NO.175/1 VASISTHAPURAM VILLAGE,THITAKUDI THALUK,CUDDALORE DISTRICT, the Vasisthapuram branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESFB0001099 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 VASISTHAPURAM of Equitas Small Finance Bank Limited — its own 11-character IFSC. The code ESFB0001099 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 ESFB0001099 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 Vasisthapuram branch is mapped to IFSC ESFB0001099 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 ESFB0001099.

Products and services

Customers walking into the Vasisthapuram 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 ESFB0001099

How to transfer money using IFSC ESFB0001099

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 ESFB0001099 across all three.

How to use IFSC ESFB0001099 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 VASISTHAPURAM 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 ESFB0001099.
4. Confirm the bank name auto-populates as Equitas Small Finance Bank Limited and the branch as VASISTHAPURAM.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC ESFB0001099

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 – VASISTHAPURAM, ensure your bank's portal accepts IFSC ESFB0001099 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Equitas Small Finance Bank Limited VASISTHAPURAM (IFSC ESFB0001099)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESFB0001099 in your mobile or internet banking app, and the money is credited to the VASISTHAPURAM branch account within seconds.

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

All three modes accept the IFSC ESFB0001099 for Equitas Small Finance Bank Limited – VASISTHAPURAM, 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 Vasisthapuram 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 VASISTHAPURAM branch, the IFSC ESFB0001099 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 Vasisthapuram 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 ESFB0001099 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 Vasisthapuram branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESFB0001099 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 – VASISTHAPURAM:

• The IFSC is exactly ESFB0001099 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 VASISTHAPURAM 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.

How to reach the Vasisthapuram branch

The branch is located at NO.175/1 VASISTHAPURAM VILLAGE,THITAKUDI THALUK,CUDDALORE DISTRICT, which puts it inside Cuddalore, the broader Cuddalore 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 Vasisthapuram branch” — the verified location pin for IFSC ESFB0001099 should appear at the top of the results.
2. Confirm the branch is open by calling 44-30898017 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 ESFB0001099 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESFB0001099 for Equitas Small Finance Bank Limited – VASISTHAPURAM, 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.

Working hours

Branch counters at Vasisthapuram 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 ESFB0001099 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ESFB0001099 belongs to Equitas Small Finance Bank Limited's VASISTHAPURAM branch, located at NO.175/1 VASISTHAPURAM VILLAGE,THITAKUDI THALUK,CUDDALORE DISTRICT 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.