IFSC Code of Equitas Small Finance Bank Limited, Ragevendra Nagar Thiruvaiyaru Branch, Tamil Nadu

If you are searching for the IFSC code of Equitas Small Finance Bank Limited, RAGEVENDRA NAGAR THIRUVAIYARU branch in THANJAVUR, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is ESFB0001280. 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 RAGEVENDRA NAGAR THIRUVAIYARU branch, and detailed step-by-step guides for using the IFSC ESFB0001280 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.

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, ESFB0001280 is the IFSC of Equitas Small Finance Bank Limited's RAGEVENDRA NAGAR THIRUVAIYARU branch. The format is fixed: ESFB = bank code, 0 = reserved, 001280 = branch identifier.

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 Ragevendra Nagar Thiruvaiyaru branch in Thanjavur, Tamil Nadu is part of this network and uses the IFSC code ESFB0001280 for all electronic settlement.

About this branch

The branch is located at NO.1,RAGAVENDRA NAGAR,THIRUVAIYARU THANJAVUR DIST-631204. It serves the Thanjavur 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 ESFB0001280 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 RAGEVENDRA NAGAR THIRUVAIYARU branch came to be assigned the code ESFB0001280.

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 ESFB0001280, money simply cannot be routed to the RAGEVENDRA NAGAR THIRUVAIYARU branch electronically.

How to transfer money using IFSC ESFB0001280

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 ESFB0001280 across all three.

How to use IFSC ESFB0001280 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Equitas Small Finance Bank Limited's RAGEVENDRA NAGAR THIRUVAIYARU branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC ESFB0001280.
4. Confirm the bank name auto-populates as Equitas Small Finance Bank Limited and the branch as RAGEVENDRA NAGAR THIRUVAIYARU.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to RAGEVENDRA NAGAR THIRUVAIYARU

If you need to transfer ₹2 lakh or more in one go to an account at Equitas Small Finance Bank Limited's RAGEVENDRA NAGAR THIRUVAIYARU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESFB0001280 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 – RAGEVENDRA NAGAR THIRUVAIYARU, use IMPS. With IFSC ESFB0001280 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 Ragevendra Nagar Thiruvaiyaru

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 ESFB0001280:

• 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 RAGEVENDRA NAGAR THIRUVAIYARU is still linked to IFSC ESFB0001280.

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.

UPI payments and IFSC ESFB0001280

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 – RAGEVENDRA NAGAR THIRUVAIYARU is still mapped to IFSC ESFB0001280. 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 ESFB0001280 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ragevendra Nagar Thiruvaiyaru branch is mapped to IFSC ESFB0001280 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 ESFB0001280.

Products and services

Customers walking into the Ragevendra Nagar Thiruvaiyaru 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 ESFB0001280

MICR & cheque-truncation details

Cheques drawn on the Ragevendra Nagar Thiruvaiyaru branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESFB0001280 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Ragevendra Nagar Thiruvaiyaru 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 ESFB0001280 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.

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 – RAGEVENDRA NAGAR THIRUVAIYARU:

• The IFSC is exactly ESFB0001280 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 RAGEVENDRA NAGAR THIRUVAIYARU 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 Ragevendra Nagar Thiruvaiyaru branch sits at NO.1,RAGAVENDRA NAGAR,THIRUVAIYARU THANJAVUR DIST-631204. If you are travelling from outside Thanjavur, 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 ESFB0001280 and your account number.

Verifying IFSC ESFB0001280 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 ESFB0001280 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 Ragevendra Nagar Thiruvaiyaru branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESFB0001280, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ESFB0001280 belongs to Equitas Small Finance Bank Limited's RAGEVENDRA NAGAR THIRUVAIYARU branch, located at NO.1,RAGAVENDRA NAGAR,THIRUVAIYARU THANJAVUR DIST-631204 in THANJAVUR, 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.