Below are the complete branch details for Equitas Small Finance Bank Limited, ARKALGUDUD branch, located in HASSAN, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is ESFB0003088. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case ESFB0003088 for Equitas Small Finance Bank Limited – ARKALGUDUD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Equitas Small Finance Bank Limited – ARKALGUDUD is ESFB0003088. The first four letters ESFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003088 map to this branch in HASSAN, KARNATAKA.
About Equitas Small Finance Bank Limited
Equitas Small Finance Bank Limited operates a wide network of branches across India, including the Arkalgudud branch in Hassan. 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, ESFB0003088.
Branch details at a glance
| Bank Name | Equitas Small Finance Bank Limited |
|---|---|
| Branch | Arkalgudud |
| IFSC Code | ESFB0003088 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO.27/5,MANJUVINA KANASU BUILDING BYPASS ROAD,NEAR KSRTC BUS DIPO,ARKALGUDUD,KOTE 573102 |
| City | Hassan |
| District | Hassan |
| State | Karnataka |
About the Arkalgudud branch
The Arkalgudud branch of Equitas Small Finance Bank Limited is situated at NO.27/5,MANJUVINA KANASU BUILDING BYPASS ROAD,NEAR KSRTC BUS DIPO,ARKALGUDUD,KOTE 573102. 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 ESFB0003088 is used.
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 ARKALGUDUD of Equitas Small Finance Bank Limited — its own 11-character IFSC. The code ESFB0003088 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 ESFB0003088 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Arkalgudud branch
Once you have an account at Equitas Small Finance Bank Limited – ARKALGUDUD, the IFSC ESFB0003088 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Arkalgudud branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC ESFB0003088
How to transfer money using IFSC ESFB0003088
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 ESFB0003088 across all three.
How to use IFSC ESFB0003088 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 ARKALGUDUD 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 ESFB0003088.
- Confirm the bank name auto-populates as Equitas Small Finance Bank Limited and the branch as ARKALGUDUD.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC ESFB0003088
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 – ARKALGUDUD, ensure your bank's portal accepts IFSC ESFB0003088 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Equitas Small Finance Bank Limited ARKALGUDUD (IFSC ESFB0003088)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESFB0003088 in your mobile or internet banking app, and the money is credited to the ARKALGUDUD branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC ESFB0003088 for Equitas Small Finance Bank Limited – ARKALGUDUD, 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 – ESFB0003088 | Yes – ESFB0003088 | Yes – ESFB0003088 |
For most retail customers crediting the Arkalgudud 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 ESFB0003088
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 – ARKALGUDUD is still mapped to IFSC ESFB0003088. 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 ESFB0003088 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 Arkalgudud 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 ESFB0003088 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 Arkalgudud branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESFB0003088 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC ESFB0003088
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 – ARKALGUDUD, 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:
ESFB0003088. - 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 Arkalgudud branch
The branch is located at NO.27/5,MANJUVINA KANASU BUILDING BYPASS ROAD,NEAR KSRTC BUS DIPO,ARKALGUDUD,KOTE 573102, which puts it inside Hassan, the broader Hassan district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “Equitas Small Finance Bank Limited Arkalgudud branch” — the verified location pin for IFSC ESFB0003088 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 ESFB0003088 and your account number.
Verifying IFSC ESFB0003088 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 ESFB0003088 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 Arkalgudud branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESFB0003088, however, work 24x7.
Branch address & contact
Equitas Small Finance Bank LimitedArkalgudud Branch
NO.27/5,MANJUVINA KANASU BUILDING BYPASS ROAD,NEAR KSRTC BUS DIPO,ARKALGUDUD,KOTE 573102
Hassan, Karnataka
Phone: the branch contact number
IFSC: ESFB0003088
Frequently asked questions
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 Arkalgudud branch but serve different purposes.
Can I use IFSC ESFB0003088 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC ESFB0003088 to send funds instantly.
Where is Equitas Small Finance Bank Limited Arkalgudud branch located?
Equitas Small Finance Bank Limited's Arkalgudud branch is located at NO.27/5,MANJUVINA KANASU BUILDING BYPASS ROAD,NEAR KSRTC BUS DIPO,ARKALGUDUD,KOTE 573102, Hassan, Karnataka.
Is IFSC ESFB0003088 valid for NEFT and RTGS?
Yes. IFSC ESFB0003088 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Equitas Small Finance Bank Limited Arkalgudud branch?
The IFSC code of Equitas Small Finance Bank Limited, Arkalgudud branch is ESFB0003088. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC ESFB0003088 the same for all accounts at Arkalgudud branch?
Yes. The IFSC ESFB0003088 is shared by every account held at Equitas Small Finance Bank Limited's Arkalgudud branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using ESFB0003088 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Equitas Small Finance Bank Limited – Arkalgudud reflect within 30 minutes.
Does Equitas Small Finance Bank Limited Arkalgudud branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Final notes
To recap: ESFB0003088 is the IFSC code of Equitas Small Finance Bank Limited, ARKALGUDUD branch, in HASSAN, 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.
