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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Equitas Small Finance Bank Limited, WARDHA ROAD branch in NAGPUR. The 11-digit IFSC ESFB0009038 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 WARDHA 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.

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 WARDHA ROAD branch, the IFSC ESFB0009038 breaks down as follows: ESFB identifies the bank, 0 is the reserved character, and 009038 identifies this particular branch.

Branch details at a glance

About the bank

Equitas Small Finance Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Wardha Road branch in Nagpur, Maharashtra is part of this network and uses the IFSC code ESFB0009038 for all electronic settlement.

About this branch

The branch is located at EQUITAS SMALL FINANCE BANK, PLOT NO 164 SAI PRASAD ENCLAVE, VIVEKANAND NAGAR BESIDE SAI MANDIR WARDHA ROAD NAGPUR PINCODE - 440015. 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 ESFB0009038 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 WARDHA ROAD branch came to be assigned the code ESFB0009038.

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 ESFB0009038, money simply cannot be routed to the WARDHA ROAD branch electronically.

How to transfer money using IFSC ESFB0009038

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 ESFB0009038 across all three.

NEFT to Equitas Small Finance Bank Limited, WARDHA ROAD using IFSC ESFB0009038

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 ESFB0009038, and confirm that the system picks up Equitas Small Finance Bank Limited – WARDHA 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 WARDHA ROAD

If you need to transfer ₹2 lakh or more in one go to an account at Equitas Small Finance Bank Limited's WARDHA ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESFB0009038 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 – WARDHA ROAD, use IMPS. With IFSC ESFB0009038 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 ESFB0009038 for Equitas Small Finance Bank Limited – WARDHA 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 Wardha 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 ESFB0009038

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 – WARDHA ROAD is still mapped to IFSC ESFB0009038. 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 ESFB0009038 and the beneficiary's account number to complete the transfer.

Account types you can open at the Wardha Road branch

Once you have an account at Equitas Small Finance Bank Limited – WARDHA ROAD, the IFSC ESFB0009038 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 Wardha 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 ESFB0009038

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 ESFB0009038 and the account number together uniquely identify the Wardha Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC ESFB0009038

Equitas Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the WARDHA 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 ESFB0009038 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.

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 – WARDHA ROAD:

• The IFSC is exactly ESFB0009038 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 WARDHA ROAD 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 Wardha Road branch sits at EQUITAS SMALL FINANCE BANK, PLOT NO 164 SAI PRASAD ENCLAVE, VIVEKANAND NAGAR BESIDE SAI MANDIR WARDHA ROAD NAGPUR PINCODE - 440015. If you are travelling from outside Nagpur, search for the branch on a maps application using the bank name and locality, or call 44-30898015 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 ESFB0009038 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESFB0009038 for Equitas Small Finance Bank Limited – WARDHA ROAD, 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.

Working hours

Branch counters at Wardha Road 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 ESFB0009038 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ESFB0009038 belongs to Equitas Small Finance Bank Limited's WARDHA ROAD branch, located at EQUITAS SMALL FINANCE BANK, PLOT NO 164 SAI PRASAD ENCLAVE, VIVEKANAND NAGAR… in NAGPUR, MAHARASHTRA. 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.