IFSC Code of Equitas Small Finance Bank Limited, Railway Station Road, Dharwad Branch, Karnataka

Use this page as a one-stop reference for everything related to Equitas Small Finance Bank Limited's RAILWAY STATION ROAD, DHARWAD branch in DHARWAD, KARNATAKA. The branch's IFSC code ESFB0003053 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 RAILWAY STATION ROAD, DHARWAD branch, the IFSC ESFB0003053 breaks down as follows: ESFB identifies the bank, 0 is the reserved character, and 003053 identifies this particular branch.

Branch details at a glance

Bank profile

Equitas Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Railway Station Road, Dharwad branch — IFSC ESFB0003053 — extends the bank's services to customers in and around Dharwad, Karnataka.

Railway Station Road, Dharwad branch overview

Located at NO.1695,1ST FLOOR,KOTYAL COMPLEX,NEAR VANAVASI RAMAMANDIRA,RAILWAY STATION ROAD,DHARWAD,KARNATAKA - 580007, the Railway Station Road, Dharwad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESFB0003053 is required for all interbank electronic transfers routed through this branch.

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 RAILWAY STATION ROAD, DHARWAD branch came to be assigned the code ESFB0003053.

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 ESFB0003053, money simply cannot be routed to the RAILWAY STATION ROAD, DHARWAD branch electronically.

How to transfer money using IFSC ESFB0003053

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 ESFB0003053 across all three.

How to use IFSC ESFB0003053 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 RAILWAY STATION ROAD, DHARWAD 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 ESFB0003053.
4. Confirm the bank name auto-populates as Equitas Small Finance Bank Limited and the branch as RAILWAY STATION ROAD, DHARWAD.
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 RAILWAY STATION ROAD, DHARWAD

If you need to transfer ₹2 lakh or more in one go to an account at Equitas Small Finance Bank Limited's RAILWAY STATION ROAD, DHARWAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESFB0003053 while initiating the transfer and the credit will appear within minutes.

IMPS to Equitas Small Finance Bank Limited RAILWAY STATION ROAD, DHARWAD (IFSC ESFB0003053)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESFB0003053 in your mobile or internet banking app, and the money is credited to the RAILWAY STATION ROAD, DHARWAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Railway Station Road, Dharwad

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 ESFB0003053:

• 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 RAILWAY STATION ROAD, DHARWAD is still linked to IFSC ESFB0003053.

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 RAILWAY STATION ROAD, DHARWAD branch, the IFSC ESFB0003053 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 Railway Station Road, Dharwad branch is mapped to IFSC ESFB0003053 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 ESFB0003053.

Products and services

Customers walking into the Railway Station Road, Dharwad 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 ESFB0003053

MICR & cheque-truncation details

Cheques drawn on the Railway Station Road, Dharwad branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESFB0003053 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Railway Station Road, Dharwad 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 ESFB0003053 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.

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 – RAILWAY STATION ROAD, DHARWAD:

• The IFSC is exactly ESFB0003053 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 RAILWAY STATION ROAD, DHARWAD 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 Railway Station Road, Dharwad branch sits at NO.1695,1ST FLOOR,KOTYAL COMPLEX,NEAR VANAVASI RAMAMANDIRA,RAILWAY STATION ROAD,DHARWAD,KARNATAKA - 580007. If you are travelling from outside Dharwad, 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 ESFB0003053 and your account number.

Verifying IFSC ESFB0003053 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 ESFB0003053 by:

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

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 Railway Station Road, Dharwad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESFB0003053, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESFB0003053 is the IFSC code of Equitas Small Finance Bank Limited, RAILWAY STATION ROAD, DHARWAD branch, in DHARWAD, 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.