IFSC Code of Equitas Small Finance Bank Limited, Bhadravathi Branch, Karnataka

Use this page as a one-stop reference for everything related to Equitas Small Finance Bank Limited's BHADRAVATHI branch in SHIMOGA, KARNATAKA. The branch's IFSC code ESFB0003062 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 – BHADRAVATHI is ESFB0003062. The first four letters ESFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003062 map to this branch in SHIMOGA, KARNATAKA.

Branch details at a glance

About Equitas Small Finance Bank Limited

Equitas Small Finance Bank Limited operates a wide network of branches across India, including the Bhadravathi branch in Shimoga. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, ESFB0003062.

Bhadravathi branch overview

Located at SURYODAYA,UPSTAIRSOFSUDHASWEETSANDCONDIMENTS,SIDDARUDHANAGARA,3RDCROSS,NEWBRIDGEROAD,OLDTOWN,BHADRAVATHI577301, the Bhadravathi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESFB0003062 is required for all interbank electronic transfers routed through this branch.

Why every Equitas Small Finance Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including BHADRAVATHI of Equitas Small Finance Bank Limited — its own 11-character IFSC. The code ESFB0003062 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC ESFB0003062 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC ESFB0003062

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 ESFB0003062 across all three.

NEFT to Equitas Small Finance Bank Limited, BHADRAVATHI using IFSC ESFB0003062

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 ESFB0003062, and confirm that the system picks up Equitas Small Finance Bank Limited – BHADRAVATHI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BHADRAVATHI

If you need to transfer ₹2 lakh or more in one go to an account at Equitas Small Finance Bank Limited's BHADRAVATHI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESFB0003062 while initiating the transfer and the credit will appear within minutes.

IMPS to Equitas Small Finance Bank Limited BHADRAVATHI (IFSC ESFB0003062)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESFB0003062 in your mobile or internet banking app, and the money is credited to the BHADRAVATHI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bhadravathi

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 ESFB0003062:

• 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 BHADRAVATHI is still linked to IFSC ESFB0003062.

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 BHADRAVATHI branch, the IFSC ESFB0003062 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 Bhadravathi branch is mapped to IFSC ESFB0003062 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 ESFB0003062.

Banking services available

The Bhadravathi 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 ESFB0003062

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 ESFB0003062 and the account number together uniquely identify the Bhadravathi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC ESFB0003062

Equitas Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BHADRAVATHI 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 ESFB0003062 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 – BHADRAVATHI:

• The IFSC is exactly ESFB0003062 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 BHADRAVATHI 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 Bhadravathi branch sits at SURYODAYA,UPSTAIRSOFSUDHASWEETSANDCONDIMENTS,SIDDARUDHANAGARA,3RDCROSS,NEWBRIDGEROAD,OLDTOWN,BHADRAVATHI577301. If you are travelling from outside Shimoga, 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 ESFB0003062 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESFB0003062 for Equitas Small Finance Bank Limited – BHADRAVATHI, 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 Bhadravathi 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 ESFB0003062 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESFB0003062 is the IFSC code of Equitas Small Finance Bank Limited, BHADRAVATHI branch, in SHIMOGA, KARNATAKA. 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.