IFSC Code of Equitas Small Finance Bank Limited, Kanthan Nagar, Paramathivelur Branch, Tamil Nadu

If you are searching for the IFSC code of Equitas Small Finance Bank Limited, KANTHAN NAGAR, PARAMATHIVELUR branch in NAMAKKAL, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is ESFB0001264. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KANTHAN NAGAR, PARAMATHIVELUR branch, and detailed step-by-step guides for using the IFSC ESFB0001264 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 – KANTHAN NAGAR, PARAMATHIVELUR is ESFB0001264. The first four letters ESFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001264 map to this branch in NAMAKKAL, TAMIL NADU.

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 Kanthan Nagar, Paramathivelur branch in Namakkal, Tamil Nadu is part of this network and uses the IFSC code ESFB0001264 for all electronic settlement.

About the Kanthan Nagar, Paramathivelur branch

The Kanthan Nagar, Paramathivelur branch of Equitas Small Finance Bank Limited is situated at NO -5,GROUND FLOOR KANTHAN NAGAR,OLD BYE PASS ROAD,PARAMATHIVELUR,NAMAKKAL DT -638182. 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 ESFB0001264 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 KANTHAN NAGAR, PARAMATHIVELUR branch came to be assigned the code ESFB0001264.

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 ESFB0001264, money simply cannot be routed to the KANTHAN NAGAR, PARAMATHIVELUR branch electronically.

How to transfer money using IFSC ESFB0001264

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 ESFB0001264 across all three.

NEFT to Equitas Small Finance Bank Limited, KANTHAN NAGAR, PARAMATHIVELUR using IFSC ESFB0001264

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 ESFB0001264, and confirm that the system picks up Equitas Small Finance Bank Limited – KANTHAN NAGAR, PARAMATHIVELUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC ESFB0001264

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 – KANTHAN NAGAR, PARAMATHIVELUR, ensure your bank's portal accepts IFSC ESFB0001264 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 – KANTHAN NAGAR, PARAMATHIVELUR, use IMPS. With IFSC ESFB0001264 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 Kanthan Nagar, Paramathivelur

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 ESFB0001264:

• 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 KANTHAN NAGAR, PARAMATHIVELUR is still linked to IFSC ESFB0001264.

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 KANTHAN NAGAR, PARAMATHIVELUR branch, the IFSC ESFB0001264 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.

Account types you can open at the Kanthan Nagar, Paramathivelur branch

Once you have an account at Equitas Small Finance Bank Limited – KANTHAN NAGAR, PARAMATHIVELUR, the IFSC ESFB0001264 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 Kanthan Nagar, Paramathivelur 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 ESFB0001264

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 ESFB0001264 and the account number together uniquely identify the Kanthan Nagar, Paramathivelur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC ESFB0001264

Equitas Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KANTHAN NAGAR, PARAMATHIVELUR 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 ESFB0001264 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 – KANTHAN NAGAR, PARAMATHIVELUR:

• The IFSC is exactly ESFB0001264 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 KANTHAN NAGAR, PARAMATHIVELUR 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.

How to reach the Kanthan Nagar, Paramathivelur branch

The branch is located at NO -5,GROUND FLOOR KANTHAN NAGAR,OLD BYE PASS ROAD,PARAMATHIVELUR,NAMAKKAL DT -638182, which puts it inside Namakkal, the broader Namakkal district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Equitas Small Finance Bank Limited Kanthan Nagar, Paramathivelur branch” — the verified location pin for IFSC ESFB0001264 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 ESFB0001264 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESFB0001264 for Equitas Small Finance Bank Limited – KANTHAN NAGAR, PARAMATHIVELUR, 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 Kanthan Nagar, Paramathivelur 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 ESFB0001264 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ESFB0001264 belongs to Equitas Small Finance Bank Limited's KANTHAN NAGAR, PARAMATHIVELUR branch, located at NO -5,GROUND FLOOR KANTHAN NAGAR,OLD BYE PASS ROAD,PARAMATHIVELUR,NAMAKKAL DT… in NAMAKKAL, 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.