IFSC Code of Equitas Small Finance Bank Limited, Gaushala Road-Sangrur Branch, Punjab

Below are the complete branch details for Equitas Small Finance Bank Limited, GAUSHALA ROAD-SANGRUR branch, located in PUNJAB, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is ESFB0015028. 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 ESFB0015028 for Equitas Small Finance Bank Limited – GAUSHALA ROAD-SANGRUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, ESFB0015028 is the IFSC of Equitas Small Finance Bank Limited's GAUSHALA ROAD-SANGRUR branch. The format is fixed: ESFB = bank code, 0 = reserved, 015028 = branch identifier.

Bank profile

Equitas Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Gaushala Road-Sangrur branch — IFSC ESFB0015028 — extends the bank's services to customers in and around Punjab, Punjab.

Branch details at a glance

Gaushala Road-Sangrur branch overview

Located at GAUSHALA ROAD,OPP MAHARASHTRA BANK,CARE OF VENUS BATTERY,SANGRUR PUNJAB - 148001, the Gaushala Road-Sangrur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESFB0015028 is required for all interbank electronic transfers routed through this branch.

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 GAUSHALA ROAD-SANGRUR branch came to be assigned the code ESFB0015028.

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 ESFB0015028, money simply cannot be routed to the GAUSHALA ROAD-SANGRUR branch electronically.

Products and account variants supported

Every account opened at the Gaushala Road-Sangrur branch is mapped to IFSC ESFB0015028 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 ESFB0015028.

Products and services

Customers walking into the Gaushala Road-Sangrur 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 ESFB0015028

How to transfer money using IFSC ESFB0015028

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 ESFB0015028 across all three.

NEFT to Equitas Small Finance Bank Limited, GAUSHALA ROAD-SANGRUR using IFSC ESFB0015028

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 ESFB0015028, and confirm that the system picks up Equitas Small Finance Bank Limited – GAUSHALA ROAD-SANGRUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC ESFB0015028

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 – GAUSHALA ROAD-SANGRUR, ensure your bank's portal accepts IFSC ESFB0015028 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Equitas Small Finance Bank Limited GAUSHALA ROAD-SANGRUR (IFSC ESFB0015028)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESFB0015028 in your mobile or internet banking app, and the money is credited to the GAUSHALA ROAD-SANGRUR branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC ESFB0015028 for Equitas Small Finance Bank Limited – GAUSHALA ROAD-SANGRUR, 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 Gaushala Road-Sangrur 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 ESFB0015028

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 – GAUSHALA ROAD-SANGRUR is still mapped to IFSC ESFB0015028. 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 ESFB0015028 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Gaushala Road-Sangrur branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC ESFB0015028 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

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 ESFB0015028 and the account number together uniquely identify the Gaushala Road-Sangrur 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 – GAUSHALA ROAD-SANGRUR:

• The IFSC is exactly ESFB0015028 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 GAUSHALA ROAD-SANGRUR 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 Gaushala Road-Sangrur branch

The branch is located at GAUSHALA ROAD,OPP MAHARASHTRA BANK,CARE OF VENUS BATTERY,SANGRUR PUNJAB - 148001, which puts it inside Punjab, the broader Punjab district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Equitas Small Finance Bank Limited Gaushala Road-Sangrur branch” — the verified location pin for IFSC ESFB0015028 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 ESFB0015028 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESFB0015028 for Equitas Small Finance Bank Limited – GAUSHALA ROAD-SANGRUR, 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 Gaushala Road-Sangrur 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 ESFB0015028 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESFB0015028 is the IFSC code of Equitas Small Finance Bank Limited, GAUSHALA ROAD-SANGRUR branch, in PUNJAB, PUNJAB. 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.