SURAT, GUJARAT
IFSC Code
ESFB0007044
MICR Code
395756005
Branch
NAVSARI MAIN ROAD,UDHANA
Bank
Equitas Small Finance Bank
District
SURAT
State
GUJARAT
Contact
Not available
Address
GAUTAM HOUSE,FIRST FLOOR,BESIDE DENA BANK,UDHANA NAVSARI MAIN ROAD,UDHANA,SURAT -394210
NEFT (National Electronic Funds Transfer) lets you send money to any account at Equitas Small Finance Bank's NAVSARI MAIN ROAD,UDHANA branch from any other bank in India. Transfers are processed in half-hourly batches, so funds usually reach the recipient within a couple of hours, and there's no minimum or maximum amount restriction from RBI's side.
For amounts of ₹2 lakh or more sent to an account at Equitas Small Finance Bank, NAVSARI MAIN ROAD,UDHANA, RTGS is usually the better choice over NEFT — each transaction settles on its own in real time instead of waiting in a batch.
IMPS (Immediate Payment Service) is the fastest of the three — funds move to NAVSARI MAIN ROAD,UDHANA within seconds, any time of day including bank holidays. It's typically capped at ₹5 lakh per transaction depending on your bank's own limits.
A distinction that matters if you're transferring to NAVSARI MAIN ROAD,UDHANA: the RBI settlement system runs 24x7 for NEFT and RTGS, but that doesn't mean this specific branch is open around the clock. Online transfers process any time; in-person or cash-based requests still depend on the branch actually being open.
| Method | System Hours | If Visiting NAVSARI MAIN ROAD,UDHANA In Person |
|---|---|---|
| NEFT | 24x7x365, including weekends and holidays (RBI mandate since 16 Dec 2019) | Online/net-banking NEFT processes any time. An in-branch, cash, or cheque-based NEFT request still depends on that branch's working hours. |
| RTGS | 24x7x365, including weekends and holidays (RBI mandate since 14 Dec 2020) | Minimum transfer amount is ₹2 lakh. Same system-vs-branch-hours distinction as NEFT applies for in-person requests. |
| IMPS | 24x7x365 — always has been, no banking-hours restriction at the system level. | Typically capped per transaction depending on your bank's own limits (often around ₹5 lakh). |
The IFSC code for Equitas Small Finance Bank's NAVSARI MAIN ROAD,UDHANA branch in SURAT, GUJARAT is ESFB0007044. This 11-character code is required for NEFT, RTGS, and IMPS transfers to any account held at this branch.
The MICR code for this branch is 395756005. MICR codes are used for cheque clearing, while the IFSC code (ESFB0007044) is what's needed for electronic transfers like NEFT and RTGS.
This branch is located at: GAUTAM HOUSE,FIRST FLOOR,BESIDE DENA BANK,UDHANA NAVSARI MAIN ROAD,UDHANA,SURAT -394210. It falls under SURAT district, GUJARAT.
Yes — the same IFSC code (ESFB0007044) is used for NEFT, RTGS, and IMPS transfers to this branch. Which one you should pick depends on the amount and urgency, not the code itself: RTGS for ₹2 lakh+ needing near-instant settlement, NEFT for regular batch-processed transfers, and IMPS for smaller amounts that need to land in seconds.
A direct contact number isn't listed for this branch in our records. Your best options are Equitas Small Finance Bank's national customer care line or the nearest branch locator on the bank's official website.
IFSC and MICR code data sourced from bank-published branch records. While we take care to keep this current, always confirm the IFSC code with your bank before making a large transfer — see our disclaimer for details.