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

Below are the complete branch details for Equitas Small Finance Bank Limited, MAMARATHUMEDAI , MAYILDUTHURAI branch, located in NAGAPATTINAM, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is ESFB0001258. 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 ESFB0001258 for Equitas Small Finance Bank Limited – MAMARATHUMEDAI , MAYILDUTHURAI — 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 – MAMARATHUMEDAI , MAYILDUTHURAI is ESFB0001258. The first four letters ESFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001258 map to this branch in NAGAPATTINAM, TAMIL NADU.

About Equitas Small Finance Bank Limited

Equitas Small Finance Bank Limited operates a wide network of branches across India, including the Mamarathumedai , Mayilduthurai branch in Nagapattinam. 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, ESFB0001258.

Branch details at a glance

About the Mamarathumedai , Mayilduthurai branch

The Mamarathumedai , Mayilduthurai branch of Equitas Small Finance Bank Limited is situated at B-13A,M.G,ROAD,MAMARATHUMEDAI,NEAR JAYAM MALIGAI SHOP,MAYILADUTHURAI-609001. 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 ESFB0001258 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 MAMARATHUMEDAI , MAYILDUTHURAI branch came to be assigned the code ESFB0001258.

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 ESFB0001258, money simply cannot be routed to the MAMARATHUMEDAI , MAYILDUTHURAI branch electronically.

Account types you can open at the Mamarathumedai , Mayilduthurai branch

Once you have an account at Equitas Small Finance Bank Limited – MAMARATHUMEDAI , MAYILDUTHURAI, the IFSC ESFB0001258 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 Mamarathumedai , Mayilduthurai 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 ESFB0001258

How to transfer money using IFSC ESFB0001258

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 ESFB0001258 across all three.

NEFT to Equitas Small Finance Bank Limited, MAMARATHUMEDAI , MAYILDUTHURAI using IFSC ESFB0001258

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 ESFB0001258, and confirm that the system picks up Equitas Small Finance Bank Limited – MAMARATHUMEDAI , MAYILDUTHURAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC ESFB0001258

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 – MAMARATHUMEDAI , MAYILDUTHURAI, ensure your bank's portal accepts IFSC ESFB0001258 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Equitas Small Finance Bank Limited – MAMARATHUMEDAI , MAYILDUTHURAI, use IMPS. With IFSC ESFB0001258 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Mamarathumedai , Mayilduthurai

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 ESFB0001258:

• 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 MAMARATHUMEDAI , MAYILDUTHURAI is still linked to IFSC ESFB0001258.

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 MAMARATHUMEDAI , MAYILDUTHURAI branch, the IFSC ESFB0001258 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.

Online banking and IFSC ESFB0001258

Equitas Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the MAMARATHUMEDAI , MAYILDUTHURAI 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 ESFB0001258 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.

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 ESFB0001258 and the account number together uniquely identify the Mamarathumedai , Mayilduthurai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC ESFB0001258

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 – MAMARATHUMEDAI , MAYILDUTHURAI, 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: ESFB0001258.
• 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.

Reaching the branch

The Mamarathumedai , Mayilduthurai branch sits at B-13A,M.G,ROAD,MAMARATHUMEDAI,NEAR JAYAM MALIGAI SHOP,MAYILADUTHURAI-609001. If you are travelling from outside Nagapattinam, search for the branch on a maps application using the bank name and locality, or call the branch contact number to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC ESFB0001258 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESFB0001258 for Equitas Small Finance Bank Limited – MAMARATHUMEDAI , MAYILDUTHURAI, 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 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 Mamarathumedai , Mayilduthurai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESFB0001258, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ESFB0001258 belongs to Equitas Small Finance Bank Limited's MAMARATHUMEDAI , MAYILDUTHURAI branch, located at B-13A,M.G,ROAD,MAMARATHUMEDAI,NEAR JAYAM MALIGAI SHOP,MAYILADUTHURAI-609001 in NAGAPATTINAM, 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.