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

Use this page as a one-stop reference for everything related to Equitas Small Finance Bank Limited's CHIKNAYAKANAHALLI branch in TUMUKER, KARNATAKA. The branch's IFSC code ESFB0003134 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, ESFB0003134 is the IFSC of Equitas Small Finance Bank Limited's CHIKNAYAKANAHALLI branch. The format is fixed: ESFB = bank code, 0 = reserved, 003134 = branch identifier.

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 Chiknayakanahalli branch in Tumuker. 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, ESFB0003134.

About the Chiknayakanahalli branch

The Chiknayakanahalli branch of Equitas Small Finance Bank Limited is situated at B.H.ROAD,WEST SIDE,CHIKKANAYAKANA HALLI TOWN,CHIKKANAYAKANAHALLI TALUKU,TUMKURU DISTRICT -572214. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code ESFB0003134 is used.

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 CHIKNAYAKANAHALLI branch came to be assigned the code ESFB0003134.

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 ESFB0003134, money simply cannot be routed to the CHIKNAYAKANAHALLI branch electronically.

How to transfer money using IFSC ESFB0003134

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 ESFB0003134 across all three.

NEFT to Equitas Small Finance Bank Limited, CHIKNAYAKANAHALLI using IFSC ESFB0003134

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 ESFB0003134, and confirm that the system picks up Equitas Small Finance Bank Limited – CHIKNAYAKANAHALLI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC ESFB0003134

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 – CHIKNAYAKANAHALLI, ensure your bank's portal accepts IFSC ESFB0003134 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Equitas Small Finance Bank Limited CHIKNAYAKANAHALLI (IFSC ESFB0003134)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESFB0003134 in your mobile or internet banking app, and the money is credited to the CHIKNAYAKANAHALLI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chiknayakanahalli

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 ESFB0003134:

• 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 CHIKNAYAKANAHALLI is still linked to IFSC ESFB0003134.

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 ESFB0003134

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 – CHIKNAYAKANAHALLI is still mapped to IFSC ESFB0003134. 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 ESFB0003134 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Chiknayakanahalli branch is mapped to IFSC ESFB0003134 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 ESFB0003134.

Products and services

Customers walking into the Chiknayakanahalli 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 ESFB0003134

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 ESFB0003134 and the account number together uniquely identify the Chiknayakanahalli branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC ESFB0003134

Equitas Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHIKNAYAKANAHALLI 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 ESFB0003134 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 – CHIKNAYAKANAHALLI:

• The IFSC is exactly ESFB0003134 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 CHIKNAYAKANAHALLI 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 Chiknayakanahalli branch

The branch is located at B.H.ROAD,WEST SIDE,CHIKKANAYAKANA HALLI TOWN,CHIKKANAYAKANAHALLI TALUKU,TUMKURU DISTRICT -572214, which puts it inside Tumuker, the broader Tumuker district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Equitas Small Finance Bank Limited Chiknayakanahalli branch” — the verified location pin for IFSC ESFB0003134 should appear at the top of the results.
2. Confirm the branch is open by calling 8133-9686957260 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 ESFB0003134 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESFB0003134 for Equitas Small Finance Bank Limited – CHIKNAYAKANAHALLI, 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 Chiknayakanahalli 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 ESFB0003134 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESFB0003134 is the IFSC code of Equitas Small Finance Bank Limited, CHIKNAYAKANAHALLI branch, in TUMUKER, 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.