This page lists the IFSC code, branch address, contact number and fund-transfer information for Equitas Small Finance Bank Limited, GADWAL A branch in GADWAL. The 11-digit IFSC ESFB0005013 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 GADWAL A 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.
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, ESFB0005013 is the IFSC of Equitas Small Finance Bank Limited's GADWAL A branch. The format is fixed: ESFB = bank code, 0 = reserved, 005013 = branch identifier.
Bank profile
Equitas Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Gadwal a branch — IFSC ESFB0005013 — extends the bank's services to customers in and around Gadwal, Telangana.
About the Gadwal a branch
The Gadwal a branch of Equitas Small Finance Bank Limited is situated at DOOR NO.1-4-36/2,EAST SIDE,SAI COMPLEX,1ST FLOOR,GADWAL,JOGULAMBA GADWAL DIST,PIN -509125. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code ESFB0005013 is used.
Branch details at a glance
| Bank Name | Equitas Small Finance Bank Limited |
|---|---|
| Branch | Gadwal a |
| IFSC Code | ESFB0005013 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DOOR NO.1-4-36/2,EAST SIDE,SAI COMPLEX,1ST FLOOR,GADWAL,JOGULAMBA GADWAL DIST,PIN -509125 |
| City | Gadwal |
| District | Jogulamba Gadwal |
| State | Telangana |
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 GADWAL A branch came to be assigned the code ESFB0005013.
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 ESFB0005013, money simply cannot be routed to the GADWAL A 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 ESFB0005013 and the account number together uniquely identify the Gadwal a branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC ESFB0005013
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 ESFB0005013 across all three.
NEFT to Equitas Small Finance Bank Limited, GADWAL A using IFSC ESFB0005013
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 ESFB0005013, and confirm that the system picks up Equitas Small Finance Bank Limited – GADWAL A. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC ESFB0005013
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 – GADWAL A, ensure your bank's portal accepts IFSC ESFB0005013 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Equitas Small Finance Bank Limited GADWAL A (IFSC ESFB0005013)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESFB0005013 in your mobile or internet banking app, and the money is credited to the GADWAL A branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC ESFB0005013 for Equitas Small Finance Bank Limited – GADWAL A, 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 – ESFB0005013 | Yes – ESFB0005013 | Yes – ESFB0005013 |
For most retail customers crediting the Gadwal a 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 ESFB0005013
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 – GADWAL A is still mapped to IFSC ESFB0005013. 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 ESFB0005013 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Gadwal a branch is mapped to IFSC ESFB0005013 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 ESFB0005013.
Products and services
Customers walking into the Gadwal a 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 ESFB0005013
Digital banking channels
Most day-to-day work that customers used to do at the Gadwal a 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 ESFB0005013 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 Gadwal a branch
The branch is located at DOOR NO.1-4-36/2,EAST SIDE,SAI COMPLEX,1ST FLOOR,GADWAL,JOGULAMBA GADWAL DIST,PIN -509125, which puts it inside Gadwal, the broader Jogulamba Gadwal district, and the state of Telangana. To plan your visit:
- Open Google Maps on your phone and search for “Equitas Small Finance Bank Limited Gadwal a branch” — the verified location pin for IFSC ESFB0005013 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number 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 ESFB0005013 and your account number.
Common mistakes to avoid when using IFSC ESFB0005013
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 – GADWAL A, 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:
ESFB0005013. - 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.
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 Gadwal a branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESFB0005013, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC ESFB0005013 for Equitas Small Finance Bank Limited – GADWAL A, 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
Equitas Small Finance Bank LimitedGadwal a Branch
DOOR NO.1-4-36/2,EAST SIDE,SAI COMPLEX,1ST FLOOR,GADWAL,JOGULAMBA GADWAL DIST,PIN -509125
Gadwal, Telangana
Phone: the branch contact number
IFSC: ESFB0005013
Frequently asked questions
Can I use IFSC ESFB0005013 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC ESFB0005013 to send funds instantly.
What is the IFSC code of Equitas Small Finance Bank Limited Gadwal a branch?
The IFSC code of Equitas Small Finance Bank Limited, Gadwal a branch is ESFB0005013. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Gadwal a branch but serve different purposes.
Where is Equitas Small Finance Bank Limited Gadwal a branch located?
Equitas Small Finance Bank Limited's Gadwal a branch is located at DOOR NO.1-4-36/2,EAST SIDE,SAI COMPLEX,1ST FLOOR,GADWAL,JOGULAMBA GADWAL DIST,PIN -509125, Gadwal, Telangana.
How quickly will an NEFT transfer using ESFB0005013 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Equitas Small Finance Bank Limited – Gadwal a reflect within 30 minutes.
Is IFSC ESFB0005013 valid for NEFT and RTGS?
Yes. IFSC ESFB0005013 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Equitas Small Finance Bank Limited Gadwal a branch?
You can reach the branch at the branch contact number during regular banking hours.
Summary
The IFSC code ESFB0005013 belongs to Equitas Small Finance Bank Limited's GADWAL A branch, located at DOOR NO.1-4-36/2,EAST SIDE,SAI COMPLEX,1ST FLOOR,GADWAL,JOGULAMBA GADWAL… in GADWAL, TELANGANA. 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.
