IFSC Code of Equitas Small Finance Bank Limited, Rayakottai Road Krishnagiri Branch, Tamil Nadu

Below are the complete branch details for Equitas Small Finance Bank Limited, RAYAKOTTAI ROAD KRISHNAGIRI branch, located in VELLORE, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is ESFB0001312. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case ESFB0001312 for Equitas Small Finance Bank Limited – RAYAKOTTAI ROAD KRISHNAGIRI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, ESFB0001312 is the IFSC of Equitas Small Finance Bank Limited's RAYAKOTTAI ROAD KRISHNAGIRI branch. The format is fixed: ESFB = bank code, 0 = reserved, 001312 = branch identifier.

About Equitas Small Finance Bank Limited

Equitas Small Finance Bank Limited operates a wide network of branches across India, including the Rayakottai Road Krishnagiri branch in Vellore. 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, ESFB0001312.

About the Rayakottai Road Krishnagiri branch

The Rayakottai Road Krishnagiri branch of Equitas Small Finance Bank Limited is situated at NO.1 149-15,HYDER COMPLEX, NEAR HYDER FUELS RAYAKOTTAI MAIN ROAD, KRISHNAGIRI 635001. 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 ESFB0001312 is used.

Branch details at a glance

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 RAYAKOTTAI ROAD KRISHNAGIRI branch came to be assigned the code ESFB0001312.

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 ESFB0001312, money simply cannot be routed to the RAYAKOTTAI ROAD KRISHNAGIRI branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Rayakottai Road Krishnagiri branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESFB0001312 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 ESFB0001312

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 ESFB0001312 across all three.

NEFT to Equitas Small Finance Bank Limited, RAYAKOTTAI ROAD KRISHNAGIRI using IFSC ESFB0001312

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 ESFB0001312, and confirm that the system picks up Equitas Small Finance Bank Limited – RAYAKOTTAI ROAD KRISHNAGIRI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC ESFB0001312

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 – RAYAKOTTAI ROAD KRISHNAGIRI, ensure your bank's portal accepts IFSC ESFB0001312 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Equitas Small Finance Bank Limited – RAYAKOTTAI ROAD KRISHNAGIRI, use IMPS. With IFSC ESFB0001312 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC ESFB0001312 for Equitas Small Finance Bank Limited – RAYAKOTTAI ROAD KRISHNAGIRI, 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 Rayakottai Road Krishnagiri 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 RAYAKOTTAI ROAD KRISHNAGIRI branch, the IFSC ESFB0001312 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 Rayakottai Road Krishnagiri branch

Once you have an account at Equitas Small Finance Bank Limited – RAYAKOTTAI ROAD KRISHNAGIRI, the IFSC ESFB0001312 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 Rayakottai Road Krishnagiri 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 ESFB0001312

Online banking and IFSC ESFB0001312

Equitas Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the RAYAKOTTAI ROAD KRISHNAGIRI 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 ESFB0001312 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.

How to reach the Rayakottai Road Krishnagiri branch

The branch is located at NO.1 149-15,HYDER COMPLEX, NEAR HYDER FUELS RAYAKOTTAI MAIN ROAD, KRISHNAGIRI 635001, which puts it inside Vellore, the broader Vellore district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Equitas Small Finance Bank Limited Rayakottai Road Krishnagiri branch” — the verified location pin for IFSC ESFB0001312 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 ESFB0001312 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 – RAYAKOTTAI ROAD KRISHNAGIRI:

• The IFSC is exactly ESFB0001312 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 RAYAKOTTAI ROAD KRISHNAGIRI 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 Rayakottai Road Krishnagiri branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESFB0001312, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESFB0001312 for Equitas Small Finance Bank Limited – RAYAKOTTAI ROAD KRISHNAGIRI, 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 ESFB0001312 belongs to Equitas Small Finance Bank Limited's RAYAKOTTAI ROAD KRISHNAGIRI branch, located at NO.1 149-15,HYDER COMPLEX, NEAR HYDER FUELS RAYAKOTTAI MAIN ROAD, KRISHNAGIRI… in VELLORE, 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.