IFSC Code of Equitas Small Finance Bank Limited, Mira Road Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Equitas Small Finance Bank Limited, MIRA ROAD branch in MUMBAI. The 11-digit IFSC ESFB0009154 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 MIRA ROAD 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.

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 – MIRA ROAD is ESFB0009154. The first four letters ESFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 009154 map to this branch in MUMBAI, MAHARASHTRA.

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 Mira Road branch — IFSC ESFB0009154 — extends the bank's services to customers in and around Mumbai, Maharashtra.

About the Mira Road branch

The Mira Road branch of Equitas Small Finance Bank Limited is situated at UNIT SHOPNO1,2 AND 3,GROUND FLOOR,DEV PARADISE,AWING,NEARKANAKIA ROAD,MIRA ROAD(EAST),THANE-401107. 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 ESFB0009154 is used.

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 MIRA ROAD branch came to be assigned the code ESFB0009154.

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 ESFB0009154, money simply cannot be routed to the MIRA ROAD branch electronically.

How to transfer money using IFSC ESFB0009154

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 ESFB0009154 across all three.

NEFT to Equitas Small Finance Bank Limited, MIRA ROAD using IFSC ESFB0009154

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 ESFB0009154, and confirm that the system picks up Equitas Small Finance Bank Limited – MIRA ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MIRA ROAD

If you need to transfer ₹2 lakh or more in one go to an account at Equitas Small Finance Bank Limited's MIRA ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESFB0009154 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Equitas Small Finance Bank Limited – MIRA ROAD, use IMPS. With IFSC ESFB0009154 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC ESFB0009154 for Equitas Small Finance Bank Limited – MIRA ROAD, 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 Mira Road 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 ESFB0009154

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 – MIRA ROAD is still mapped to IFSC ESFB0009154. 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 ESFB0009154 and the beneficiary's account number to complete the transfer.

Account types you can open at the Mira Road branch

Once you have an account at Equitas Small Finance Bank Limited – MIRA ROAD, the IFSC ESFB0009154 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.

Products and services

Customers walking into the Mira Road 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 ESFB0009154

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 ESFB0009154 and the account number together uniquely identify the Mira Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC ESFB0009154

Equitas Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the MIRA ROAD 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 ESFB0009154 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.

Common mistakes to avoid when using IFSC ESFB0009154

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 – MIRA ROAD, 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: ESFB0009154.
• 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 Mira Road branch

The branch is located at UNIT SHOPNO1,2 AND 3,GROUND FLOOR,DEV PARADISE,AWING,NEARKANAKIA ROAD,MIRA ROAD(EAST),THANE-401107, which puts it inside Mumbai, the broader Mumbai district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Equitas Small Finance Bank Limited Mira Road branch” — the verified location pin for IFSC ESFB0009154 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 ESFB0009154 and your account number.

Verifying IFSC ESFB0009154 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 ESFB0009154 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 Mira Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESFB0009154, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESFB0009154 is the IFSC code of Equitas Small Finance Bank Limited, MIRA ROAD branch, in MUMBAI, MAHARASHTRA. 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.