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

Use this page as a one-stop reference for everything related to Equitas Small Finance Bank Limited's NAGERCOIL branch in KANYAKUMARI, TAMIL NADU. The branch's IFSC code ESFB0001090 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 NAGERCOIL branch, the IFSC ESFB0001090 breaks down as follows: ESFB identifies the bank, 0 is the reserved character, and 001090 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 Nagercoil branch — IFSC ESFB0001090 — extends the bank's services to customers in and around Kanyakumari, Tamil Nadu.

Nagercoil branch overview

Located at NO -33/1 - D,RAJAKAMANGALAM ROAD,RAMANPUTHUR,NAGERCOIL -629002,TAMILNADU, the Nagercoil branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESFB0001090 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 NAGERCOIL branch came to be assigned the code ESFB0001090.

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 ESFB0001090, money simply cannot be routed to the NAGERCOIL 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 ESFB0001090 and the account number together uniquely identify the Nagercoil branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC ESFB0001090

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 ESFB0001090 across all three.

NEFT to Equitas Small Finance Bank Limited, NAGERCOIL using IFSC ESFB0001090

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 ESFB0001090, and confirm that the system picks up Equitas Small Finance Bank Limited – NAGERCOIL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to NAGERCOIL

If you need to transfer ₹2 lakh or more in one go to an account at Equitas Small Finance Bank Limited's NAGERCOIL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESFB0001090 while initiating the transfer and the credit will appear within minutes.

IMPS to Equitas Small Finance Bank Limited NAGERCOIL (IFSC ESFB0001090)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESFB0001090 in your mobile or internet banking app, and the money is credited to the NAGERCOIL branch account within seconds.

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

All three modes accept the IFSC ESFB0001090 for Equitas Small Finance Bank Limited – NAGERCOIL, 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 Nagercoil 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 ESFB0001090

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 – NAGERCOIL is still mapped to IFSC ESFB0001090. 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 ESFB0001090 and the beneficiary's account number to complete the transfer.

Account types you can open at the Nagercoil branch

Once you have an account at Equitas Small Finance Bank Limited – NAGERCOIL, the IFSC ESFB0001090 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 Nagercoil branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-30898015.

• 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 ESFB0001090

Online banking and IFSC ESFB0001090

Equitas Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the NAGERCOIL branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC ESFB0001090 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

How to reach the Nagercoil branch

The branch is located at NO -33/1 - D,RAJAKAMANGALAM ROAD,RAMANPUTHUR,NAGERCOIL -629002,TAMILNADU, which puts it inside Kanyakumari, the broader Kanyakumari 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 Nagercoil branch” — the verified location pin for IFSC ESFB0001090 should appear at the top of the results.
2. Confirm the branch is open by calling 44-30898015 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 ESFB0001090 and your account number.

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 – NAGERCOIL:

• The IFSC is exactly ESFB0001090 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 NAGERCOIL 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.

Working hours

Branch counters at Nagercoil 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 ESFB0001090 continue to work without interruption.

Verifying IFSC ESFB0001090 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 ESFB0001090 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ESFB0001090 belongs to Equitas Small Finance Bank Limited's NAGERCOIL branch, located at NO -33/1 - D,RAJAKAMANGALAM ROAD,RAMANPUTHUR,NAGERCOIL -629002,TAMILNADU in KANYAKUMARI, 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.