IFSC Code ESFB0007048 - Equitas Small Finance Bank Limited Harni Airport Road Vadodara

Complete Guide to Equitas Small Finance Bank Limited IFSC Code ESFB0007048 — Harni Airport Road Vadodara Branch, Vadodara, Gujarat

The IFSC code ESFB0007048 identifies the Harni Airport Road Vadodara branch of Equitas Small Finance Bank Limited located in Vadodara, Vadodara district, Gujarat. Mandated by the Reserve Bank of India (RBI), this 11-character alphanumeric code is required for all electronic fund transfers — NEFT, RTGS, IMPS, and UPI — processed through the RBI's centralised payment infrastructure. Every bank branch in India holds a unique IFSC that routes digital money movements accurately to the correct destination account. Using the wrong IFSC can result in a failed transaction or, in rare cases, a credit to an unintended account, making verification essential before initiating any transfer.

Decoding IFSC Code ESFB0007048 of Equitas Small Finance Bank Limited

The 11-character IFSC ESFB0007048 follows the RBI-prescribed structure: the first four characters identify the bank (ESFB for Equitas Small Finance Bank Limited), the fifth character is always zero (reserved for future use), and the final six characters (007048) uniquely identify the Harni Airport Road Vadodara branch in Vadodara, Gujarat. This structure lets RBI's payment gateway instantly determine the bank and branch for any transaction, enabling real-time routing without manual intervention.

NEFT Transfers Using IFSC ESFB0007048

National Electronic Funds Transfer (NEFT) is RBI's batch-based fund transfer system. To send money to an account at Equitas Small Finance Bank Limited, Harni Airport Road Vadodara branch (IFSC: ESFB0007048), add the beneficiary with this IFSC on your bank's internet or mobile banking portal. NEFT processes transfers in 48 half-hourly batches Monday–Saturday (except 2nd and 4th Saturdays and public holidays). Minimum transfer: ₹1; no upper limit. Funds credited within 2 hours of batch settlement. NEFT is ideal for non-urgent large transfers to Vadodara accounts.

RTGS Transfers to Equitas Small Finance Bank Limited Harni Airport Road Vadodara

Real Time Gross Settlement (RTGS) settles transactions individually and in real time — making it the fastest guaranteed fund transfer in India. Use IFSC ESFB0007048 when initiating RTGS to Equitas Small Finance Bank Limited, Harni Airport Road Vadodara, Vadodara. Minimum RTGS amount: ₹2 lakh; no upper cap. Available 24×7 on all days since December 2020. Funds are irrevocable once settled, making RTGS the preferred choice for high-value business payments, property transactions, and bulk corporate transfers to Gujarat accounts.

IMPS — Instant 24×7 Transfers to IFSC ESFB0007048

Immediate Payment Service (IMPS) enables instant interbank transfers round the clock, including weekends and holidays. To transfer to Equitas Small Finance Bank Limited, Harni Airport Road Vadodara (Vadodara), enter IFSC ESFB0007048 and the recipient's account number on your UPI or banking app. IMPS supports transfers up to ₹5 lakh per transaction. Funds arrive in seconds, making it ideal for urgent personal payments. Unlike NEFT, IMPS does not batch transfers — each transaction settles individually in real time at any hour.

Adding Equitas Small Finance Bank Limited Harni Airport Road Vadodara as a Beneficiary

To add the Harni Airport Road Vadodara branch of Equitas Small Finance Bank Limited (IFSC: ESFB0007048, Vadodara, Gujarat) as a beneficiary on any bank's internet banking: navigate to Fund Transfer → Manage Beneficiaries → Add New Beneficiary. Enter the account holder's name, account number, and IFSC ESFB0007048. Most banks impose a 4–24 hour cooling period before the first transfer to a newly added beneficiary, as a fraud-prevention measure. Always verify the IFSC and account number directly with the recipient before initiating a transfer.