IFSC Code of Equitas Small Finance Bank Limited, Raghuji Nagar, Nagpur Branch, Maharashtra

Below are the complete branch details for Equitas Small Finance Bank Limited, RAGHUJI NAGAR, NAGPUR branch, located in NAGPUR, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is ESFB0009082. 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 ESFB0009082 for Equitas Small Finance Bank Limited – RAGHUJI NAGAR, NAGPUR — 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 – RAGHUJI NAGAR, NAGPUR is ESFB0009082. The first four letters ESFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 009082 map to this branch in NAGPUR, MAHARASHTRA.

Bank profile

Equitas Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Raghuji Nagar, Nagpur branch — IFSC ESFB0009082 — extends the bank's services to customers in and around Nagpur, Maharashtra.

Branch details at a glance

About this branch

The branch is located at 2ND FLOOR,GALA NO.4/91 & 5/91,W.NO.14,H.NO,132/550 & 132/551,RAGHUJI NAGAR,BEHIND CHHOTA TAJBAGH,NAGPUR-440024. It serves the Nagpur region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Equitas Small Finance Bank Limited. The IFSC ESFB0009082 is used to identify this branch on the RBI payments network.

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 RAGHUJI NAGAR, NAGPUR branch came to be assigned the code ESFB0009082.

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 ESFB0009082, money simply cannot be routed to the RAGHUJI NAGAR, NAGPUR branch electronically.

Account types you can open at the Raghuji Nagar, Nagpur branch

Once you have an account at Equitas Small Finance Bank Limited – RAGHUJI NAGAR, NAGPUR, the IFSC ESFB0009082 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 Raghuji Nagar, Nagpur 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 ESFB0009082

How to transfer money using IFSC ESFB0009082

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 ESFB0009082 across all three.

How to use IFSC ESFB0009082 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 RAGHUJI NAGAR, NAGPUR 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 ESFB0009082.
4. Confirm the bank name auto-populates as Equitas Small Finance Bank Limited and the branch as RAGHUJI NAGAR, NAGPUR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC ESFB0009082

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 – RAGHUJI NAGAR, NAGPUR, ensure your bank's portal accepts IFSC ESFB0009082 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Equitas Small Finance Bank Limited RAGHUJI NAGAR, NAGPUR (IFSC ESFB0009082)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESFB0009082 in your mobile or internet banking app, and the money is credited to the RAGHUJI NAGAR, NAGPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Raghuji Nagar, Nagpur

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 ESFB0009082:

• 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 RAGHUJI NAGAR, NAGPUR is still linked to IFSC ESFB0009082.

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.

UPI payments and IFSC ESFB0009082

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 – RAGHUJI NAGAR, NAGPUR is still mapped to IFSC ESFB0009082. 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 ESFB0009082 and the beneficiary's account number to complete the transfer.

Online banking and IFSC ESFB0009082

Equitas Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the RAGHUJI NAGAR, NAGPUR 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 ESFB0009082 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 ESFB0009082 and the account number together uniquely identify the Raghuji Nagar, Nagpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – RAGHUJI NAGAR, NAGPUR:

• The IFSC is exactly ESFB0009082 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 RAGHUJI NAGAR, NAGPUR 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.

Reaching the branch

The Raghuji Nagar, Nagpur branch sits at 2ND FLOOR,GALA NO.4/91 & 5/91,W.NO.14,H.NO,132/550 & 132/551,RAGHUJI NAGAR,BEHIND CHHOTA TAJBAGH,NAGPUR-440024. If you are travelling from outside Nagpur, 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 ESFB0009082 and your account number.

Verifying IFSC ESFB0009082 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 ESFB0009082 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.

Working hours

Branch counters at Raghuji Nagar, Nagpur 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 ESFB0009082 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESFB0009082 is the IFSC code of Equitas Small Finance Bank Limited, RAGHUJI NAGAR, NAGPUR branch, in NAGPUR, 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.