IFSC Code of Equitas Small Finance Bank Limited, Stn Building Main Road, Valliyur Branch, Tamil Nadu

Use this page as a one-stop reference for everything related to Equitas Small Finance Bank Limited's STN BUILDING MAIN ROAD, VALLIYUR branch in TIRUNELVELI, TAMIL NADU. The branch's IFSC code ESFB0001293 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 – STN BUILDING MAIN ROAD, VALLIYUR is ESFB0001293. The first four letters ESFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001293 map to this branch in TIRUNELVELI, TAMIL NADU.

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 Stn Building Main Road, Valliyur branch in Tirunelveli, Tamil Nadu is part of this network and uses the IFSC code ESFB0001293 for all electronic settlement.

About this branch

The branch is located at NO 308N,2ND FLOOR,STN BUILDING MAIN ROAD,VALLIYUR - 627117. It serves the Tirunelveli 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 ESFB0001293 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 STN BUILDING MAIN ROAD, VALLIYUR of Equitas Small Finance Bank Limited — its own 11-character IFSC. The code ESFB0001293 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 ESFB0001293 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Stn Building Main Road, Valliyur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESFB0001293 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 ESFB0001293

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 ESFB0001293 across all three.

How to use IFSC ESFB0001293 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 STN BUILDING MAIN ROAD, VALLIYUR 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 ESFB0001293.
4. Confirm the bank name auto-populates as Equitas Small Finance Bank Limited and the branch as STN BUILDING MAIN ROAD, VALLIYUR.
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 STN BUILDING MAIN ROAD, VALLIYUR

If you need to transfer ₹2 lakh or more in one go to an account at Equitas Small Finance Bank Limited's STN BUILDING MAIN ROAD, VALLIYUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESFB0001293 while initiating the transfer and the credit will appear within minutes.

IMPS to Equitas Small Finance Bank Limited STN BUILDING MAIN ROAD, VALLIYUR (IFSC ESFB0001293)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESFB0001293 in your mobile or internet banking app, and the money is credited to the STN BUILDING MAIN ROAD, VALLIYUR branch account within seconds.

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

All three modes accept the IFSC ESFB0001293 for Equitas Small Finance Bank Limited – STN BUILDING MAIN ROAD, VALLIYUR, 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 Stn Building Main Road, Valliyur 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 STN BUILDING MAIN ROAD, VALLIYUR branch, the IFSC ESFB0001293 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.

Account types you can open at the Stn Building Main Road, Valliyur branch

Once you have an account at Equitas Small Finance Bank Limited – STN BUILDING MAIN ROAD, VALLIYUR, the IFSC ESFB0001293 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Stn Building Main Road, Valliyur 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 ESFB0001293

Digital banking channels

Most day-to-day work that customers used to do at the Stn Building Main Road, Valliyur 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 ESFB0001293 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.

Reaching the branch

The Stn Building Main Road, Valliyur branch sits at NO 308N,2ND FLOOR,STN BUILDING MAIN ROAD,VALLIYUR - 627117. If you are travelling from outside Tirunelveli, 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 ESFB0001293 and your account number.

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 – STN BUILDING MAIN ROAD, VALLIYUR:

• The IFSC is exactly ESFB0001293 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 STN BUILDING MAIN ROAD, VALLIYUR 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.

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 Stn Building Main Road, Valliyur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESFB0001293, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESFB0001293 for Equitas Small Finance Bank Limited – STN BUILDING MAIN ROAD, VALLIYUR, 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ESFB0001293 belongs to Equitas Small Finance Bank Limited's STN BUILDING MAIN ROAD, VALLIYUR branch, located at NO 308N,2ND FLOOR,STN BUILDING MAIN ROAD,VALLIYUR - 627117 in TIRUNELVELI, 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.