Below are the complete branch details for Equitas Small Finance Bank Limited, RAJANAGAR-KALLAKURICHI branch, located in PONDY, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is ESFB0001331. 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 ESFB0001331 for Equitas Small Finance Bank Limited – RAJANAGAR-KALLAKURICHI — 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 – RAJANAGAR-KALLAKURICHI is ESFB0001331. The first four letters ESFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001331 map to this branch in PONDY, TAMIL NADU.
Branch details at a glance
| Bank Name | Equitas Small Finance Bank Limited |
|---|---|
| Branch | Rajanagar-Kallakurichi |
| IFSC Code | ESFB0001331 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 3RD FLOOR, PLOT NO.59,DOOR NO.59 10, GOPURAM TOWERS, RAJANAGAR, DURUGAM ROAD, KALLAKURICHI 606202 |
| City | Pondy |
| District | Pondy |
| State | Tamil Nadu |
Bank profile
Equitas Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Rajanagar-Kallakurichi branch — IFSC ESFB0001331 — extends the bank's services to customers in and around Pondy, Tamil Nadu.
About this branch
The branch is located at 3RD FLOOR, PLOT NO.59,DOOR NO.59 10, GOPURAM TOWERS, RAJANAGAR, DURUGAM ROAD, KALLAKURICHI 606202. It serves the Pondy 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 ESFB0001331 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 RAJANAGAR-KALLAKURICHI branch came to be assigned the code ESFB0001331.
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 ESFB0001331, money simply cannot be routed to the RAJANAGAR-KALLAKURICHI branch electronically.
How to transfer money using IFSC ESFB0001331
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 ESFB0001331 across all three.
NEFT to Equitas Small Finance Bank Limited, RAJANAGAR-KALLAKURICHI using IFSC ESFB0001331
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 ESFB0001331, and confirm that the system picks up Equitas Small Finance Bank Limited – RAJANAGAR-KALLAKURICHI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RAJANAGAR-KALLAKURICHI
If you need to transfer ₹2 lakh or more in one go to an account at Equitas Small Finance Bank Limited's RAJANAGAR-KALLAKURICHI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESFB0001331 while initiating the transfer and the credit will appear within minutes.
IMPS to Equitas Small Finance Bank Limited RAJANAGAR-KALLAKURICHI (IFSC ESFB0001331)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESFB0001331 in your mobile or internet banking app, and the money is credited to the RAJANAGAR-KALLAKURICHI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC ESFB0001331 for Equitas Small Finance Bank Limited – RAJANAGAR-KALLAKURICHI, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – ESFB0001331 | Yes – ESFB0001331 | Yes – ESFB0001331 |
For most retail customers crediting the Rajanagar-Kallakurichi 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.
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 RAJANAGAR-KALLAKURICHI branch, the IFSC ESFB0001331 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.
Products and account variants supported
Every account opened at the Rajanagar-Kallakurichi branch is mapped to IFSC ESFB0001331 on the RBI payments network. The branch generally supports the full retail product catalogue of Equitas Small Finance Bank Limited, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains ESFB0001331.
Banking services available
The Rajanagar-Kallakurichi 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 ESFB0001331
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 ESFB0001331 and the account number together uniquely identify the Rajanagar-Kallakurichi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC ESFB0001331
Equitas Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the RAJANAGAR-KALLAKURICHI 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 ESFB0001331 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.
Common mistakes to avoid when using IFSC ESFB0001331
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 – RAJANAGAR-KALLAKURICHI, 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:
ESFB0001331. - 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 Rajanagar-Kallakurichi branch sits at 3RD FLOOR, PLOT NO.59,DOOR NO.59 10, GOPURAM TOWERS, RAJANAGAR, DURUGAM ROAD, KALLAKURICHI 606202. If you are travelling from outside Pondy, 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 ESFB0001331 and your account number.
Verifying IFSC ESFB0001331 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 ESFB0001331 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.
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 Rajanagar-Kallakurichi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESFB0001331, however, work 24x7.
Branch address & contact
Equitas Small Finance Bank LimitedRajanagar-Kallakurichi Branch
3RD FLOOR, PLOT NO.59,DOOR NO.59 10, GOPURAM TOWERS, RAJANAGAR, DURUGAM ROAD, KALLAKURICHI 606202
Pondy, Tamil Nadu
Phone: the branch contact number
IFSC: ESFB0001331
Frequently asked questions
Is IFSC ESFB0001331 valid for NEFT and RTGS?
Yes. IFSC ESFB0001331 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Equitas Small Finance Bank Limited Rajanagar-Kallakurichi branch located?
Equitas Small Finance Bank Limited's Rajanagar-Kallakurichi branch is located at 3RD FLOOR, PLOT NO.59,DOOR NO.59 10, GOPURAM TOWERS, RAJANAGAR, DURUGAM ROAD, KALLAKURICHI 606202, Pondy, Tamil Nadu.
What is the IFSC code of Equitas Small Finance Bank Limited Rajanagar-Kallakurichi branch?
The IFSC code of Equitas Small Finance Bank Limited, Rajanagar-Kallakurichi branch is ESFB0001331. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Equitas Small Finance Bank Limited Rajanagar-Kallakurichi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Is IFSC ESFB0001331 the same for all accounts at Rajanagar-Kallakurichi branch?
Yes. The IFSC ESFB0001331 is shared by every account held at Equitas Small Finance Bank Limited's Rajanagar-Kallakurichi branch. Only the account number changes from customer to customer.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Rajanagar-Kallakurichi branch but serve different purposes.
What is the phone number of Equitas Small Finance Bank Limited Rajanagar-Kallakurichi branch?
You can reach the branch at the branch contact number during regular banking hours.
Can I use IFSC ESFB0001331 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC ESFB0001331 to send funds instantly.
Final notes
To recap: ESFB0001331 is the IFSC code of Equitas Small Finance Bank Limited, RAJANAGAR-KALLAKURICHI branch, in PONDY, TAMIL NADU. 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.
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