IFSC Code of Equitas Small Finance Bank Limited, H D Kote Branch, Karnataka

Use this page as a one-stop reference for everything related to Equitas Small Finance Bank Limited's H D KOTE branch in MYSORE, KARNATAKA. The branch's IFSC code ESFB0003012 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.

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, ESFB0003012 is the IFSC of Equitas Small Finance Bank Limited's H D KOTE branch. The format is fixed: ESFB = bank code, 0 = reserved, 003012 = branch identifier.

About Equitas Small Finance Bank Limited

Equitas Small Finance Bank Limited operates a wide network of branches across India, including the H D Kote branch in Mysore. 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, ESFB0003012.

Branch details at a glance

H D Kote branch overview

Located at TARAKA SHOPPING COMPLEX,OPP K S R T C BUS STAND,H D KOTE 571114, the H D Kote branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESFB0003012 is required for all interbank electronic transfers routed through this branch.

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 H D KOTE of Equitas Small Finance Bank Limited — its own 11-character IFSC. The code ESFB0003012 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 ESFB0003012 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 H D Kote branch

Once you have an account at Equitas Small Finance Bank Limited – H D KOTE, the IFSC ESFB0003012 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 H D Kote 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 ESFB0003012

How to transfer money using IFSC ESFB0003012

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 ESFB0003012 across all three.

How to use IFSC ESFB0003012 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 H D KOTE 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 ESFB0003012.
4. Confirm the bank name auto-populates as Equitas Small Finance Bank Limited and the branch as H D KOTE.
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 H D KOTE

If you need to transfer ₹2 lakh or more in one go to an account at Equitas Small Finance Bank Limited's H D KOTE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESFB0003012 while initiating the transfer and the credit will appear within minutes.

IMPS to Equitas Small Finance Bank Limited H D KOTE (IFSC ESFB0003012)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESFB0003012 in your mobile or internet banking app, and the money is credited to the H D KOTE branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to H D Kote

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 ESFB0003012:

• 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 H D KOTE is still linked to IFSC ESFB0003012.

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 H D KOTE branch, the IFSC ESFB0003012 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.

Digital banking channels

Most day-to-day work that customers used to do at the H D Kote 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 ESFB0003012 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 H D Kote branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESFB0003012 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 ESFB0003012

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 – H D KOTE, 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: ESFB0003012.
• 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 H D Kote branch

The branch is located at TARAKA SHOPPING COMPLEX,OPP K S R T C BUS STAND,H D KOTE 571114, which puts it inside Mysore, the broader Mysore district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Equitas Small Finance Bank Limited H D Kote branch” — the verified location pin for IFSC ESFB0003012 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 ESFB0003012 and your account number.

Verifying IFSC ESFB0003012 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 ESFB0003012 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.

Working hours

Branch counters at H D Kote 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 ESFB0003012 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESFB0003012 is the IFSC code of Equitas Small Finance Bank Limited, H D KOTE branch, in MYSORE, 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.