IFSC Code of Equitas Small Finance Bank Limited, Visakhapatnam Branch, Andhra Pradesh

Below are the complete branch details for Equitas Small Finance Bank Limited, VISAKHAPATNAM branch, located in VISAKHAPATNAM, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is ESFB0004003. 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 ESFB0004003 for Equitas Small Finance Bank Limited – VISAKHAPATNAM — 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, ESFB0004003 is the IFSC of Equitas Small Finance Bank Limited's VISAKHAPATNAM branch. The format is fixed: ESFB = bank code, 0 = reserved, 004003 = branch identifier.

About Equitas Small Finance Bank Limited

Equitas Small Finance Bank Limited operates a wide network of branches across India, including the Visakhapatnam branch in Visakhapatnam. 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, ESFB0004003.

Branch details at a glance

Visakhapatnam branch overview

Located at NO -47-14-10,VIDISHA TOWERS,DWARAKANAGAR MAIN ROAD,VISAKHAPATNAM -530016, the Visakhapatnam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESFB0004003 is required for all interbank electronic transfers routed through this branch.

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 VISAKHAPATNAM of Equitas Small Finance Bank Limited — its own 11-character IFSC. The code ESFB0004003 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 ESFB0004003 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Visakhapatnam branch is mapped to IFSC ESFB0004003 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 ESFB0004003.

Products and services

Customers walking into the Visakhapatnam 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 ESFB0004003

How to transfer money using IFSC ESFB0004003

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 ESFB0004003 across all three.

NEFT to Equitas Small Finance Bank Limited, VISAKHAPATNAM using IFSC ESFB0004003

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 ESFB0004003, and confirm that the system picks up Equitas Small Finance Bank Limited – VISAKHAPATNAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC ESFB0004003

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 – VISAKHAPATNAM, ensure your bank's portal accepts IFSC ESFB0004003 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 – VISAKHAPATNAM, use IMPS. With IFSC ESFB0004003 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 ESFB0004003 for Equitas Small Finance Bank Limited – VISAKHAPATNAM, 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 Visakhapatnam 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 VISAKHAPATNAM branch, the IFSC ESFB0004003 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.

Digital banking channels

Most day-to-day work that customers used to do at the Visakhapatnam 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 ESFB0004003 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.

MICR & cheque-truncation details

Cheques drawn on the Visakhapatnam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESFB0004003 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC ESFB0004003

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 – VISAKHAPATNAM, 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: ESFB0004003.
• 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.

How to reach the Visakhapatnam branch

The branch is located at NO -47-14-10,VIDISHA TOWERS,DWARAKANAGAR MAIN ROAD,VISAKHAPATNAM -530016, which puts it inside Visakhapatnam, the broader Visakhapatnam district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Equitas Small Finance Bank Limited Visakhapatnam branch” — the verified location pin for IFSC ESFB0004003 should appear at the top of the results.
2. Confirm the branch is open by calling 44-30898015 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 ESFB0004003 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESFB0004003 for Equitas Small Finance Bank Limited – VISAKHAPATNAM, 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 Visakhapatnam 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 ESFB0004003 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ESFB0004003 belongs to Equitas Small Finance Bank Limited's VISAKHAPATNAM branch, located at NO -47-14-10,VIDISHA TOWERS,DWARAKANAGAR MAIN ROAD,VISAKHAPATNAM -530016 in VISAKHAPATNAM, ANDHRA PRADESH. 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.