Use this page as a one-stop reference for everything related to Equitas Small Finance Bank Limited's SILAMALAI branch in THENI, TAMIL NADU. The branch's IFSC code ESFB0001111 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.
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, ESFB0001111 is the IFSC of Equitas Small Finance Bank Limited's SILAMALAI branch. The format is fixed: ESFB = bank code, 0 = reserved, 001111 = branch identifier.
About Equitas Small Finance Bank Limited
Equitas Small Finance Bank Limited operates a wide network of branches across India, including the Silamalai branch in Theni. 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, ESFB0001111.
About this branch
The branch is located at NO. 350C, BODI DEVARAM MAIN ROAD, SILAMALAI, BODINAYAKANUR TALUK, THENI DIST -625528. It serves the Theni 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 ESFB0001111 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Equitas Small Finance Bank Limited |
|---|---|
| Branch | Silamalai |
| IFSC Code | ESFB0001111 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO. 350C, BODI DEVARAM MAIN ROAD, SILAMALAI, BODINAYAKANUR TALUK, THENI DIST -625528 |
| City | Theni |
| District | Theni |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 30898015 |
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 SILAMALAI branch came to be assigned the code ESFB0001111.
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 ESFB0001111, money simply cannot be routed to the SILAMALAI branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Silamalai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESFB0001111 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC ESFB0001111
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 ESFB0001111 across all three.
NEFT to Equitas Small Finance Bank Limited, SILAMALAI using IFSC ESFB0001111
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 ESFB0001111, and confirm that the system picks up Equitas Small Finance Bank Limited – SILAMALAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC ESFB0001111
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 – SILAMALAI, ensure your bank's portal accepts IFSC ESFB0001111 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Equitas Small Finance Bank Limited SILAMALAI (IFSC ESFB0001111)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESFB0001111 in your mobile or internet banking app, and the money is credited to the SILAMALAI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC ESFB0001111 for Equitas Small Finance Bank Limited – SILAMALAI, 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 – ESFB0001111 | Yes – ESFB0001111 | Yes – ESFB0001111 |
For most retail customers crediting the Silamalai 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 ESFB0001111
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 – SILAMALAI is still mapped to IFSC ESFB0001111. 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 ESFB0001111 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Silamalai branch is mapped to IFSC ESFB0001111 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 ESFB0001111.
Products and services
Customers walking into the Silamalai 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 ESFB0001111
Online banking and IFSC ESFB0001111
Equitas Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SILAMALAI 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 ESFB0001111 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.
Reaching the branch
The Silamalai branch sits at NO. 350C, BODI DEVARAM MAIN ROAD, SILAMALAI, BODINAYAKANUR TALUK, THENI DIST -625528. If you are travelling from outside Theni, search for the branch on a maps application using the bank name and locality, or call 44-30898015 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 ESFB0001111 and your account number.
Common mistakes to avoid when using IFSC ESFB0001111
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 – SILAMALAI, 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:
ESFB0001111. - 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.
Working hours
Branch counters at Silamalai 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 ESFB0001111 continue to work without interruption.
Verifying IFSC ESFB0001111 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 ESFB0001111 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-30898015.
- Visiting the bank's official branch locator page.
Branch address & contact
Equitas Small Finance Bank LimitedSilamalai Branch
NO. 350C, BODI DEVARAM MAIN ROAD, SILAMALAI, BODINAYAKANUR TALUK, THENI DIST -625528
Theni, Tamil Nadu
Phone: 44-30898015
IFSC: ESFB0001111
Frequently asked questions
What is the IFSC code of Equitas Small Finance Bank Limited Silamalai branch?
The IFSC code of Equitas Small Finance Bank Limited, Silamalai branch is ESFB0001111. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Silamalai branch but serve different purposes.
Can I use IFSC ESFB0001111 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC ESFB0001111 to send funds instantly.
How do I add Equitas Small Finance Bank Limited Silamalai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC ESFB0001111, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC ESFB0001111 valid for NEFT and RTGS?
Yes. IFSC ESFB0001111 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using ESFB0001111 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Equitas Small Finance Bank Limited – Silamalai reflect within 30 minutes.
What is the phone number of Equitas Small Finance Bank Limited Silamalai branch?
You can reach the branch at 44-30898015 during regular banking hours.
Where is Equitas Small Finance Bank Limited Silamalai branch located?
Equitas Small Finance Bank Limited's Silamalai branch is located at NO. 350C, BODI DEVARAM MAIN ROAD, SILAMALAI, BODINAYAKANUR TALUK, THENI DIST -625528, Theni, Tamil Nadu.
Summary
The IFSC code ESFB0001111 belongs to Equitas Small Finance Bank Limited's SILAMALAI branch, located at NO. 350C, BODI DEVARAM MAIN ROAD, SILAMALAI, BODINAYAKANUR TALUK, THENI DIST… in THENI, 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.
More Articles for IFSC Code
IFSC Code of Zila Sahakri Bank Limited Ghaziabad, Loni Branch, Uttar Pradesh
