IFSC Code of Esaf Small Finance Bank Limited, Bhubaneshwar, Khurda, Odisha — ESMF0001196

The IFSC Code is a very important number used in India for digital banking and online money transfers that ensures seamless and accurate fund transfers. In case you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code to route your payment to the right branch. If you are searching for the IFSC Code of Esaf Small Finance Bank Limited for its Bhubaneshwar branch in Bhubaneshwar, Khurda, Odisha, this complete guide will provide you with detailed information.

The banking system in India has changed over the years, and today customers of Esaf Small Finance Bank Limited located in Bhubaneshwar or anywhere in Odisha can transfer funds instantly by using the correct IFSC Code ESMF0001196. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.

Details of IFSC Code for Esaf Small Finance Bank Limited, Bhubaneshwar, Bhubaneshwar

Here are the main details that are associated with the IFSC Code ESMF0001196 of Esaf Small Finance Bank Limited for its branch located in Bhubaneshwar, within the district of Khurda in the state of Odisha.

These details helps users in online banking and for businesses and individuals who use Esaf Small Finance Bank Limited in Bhubaneshwar for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code ESMF0001196 for the Bhubaneshwar branch of Esaf Small Finance Bank Limited plays a vital role.

What Is IFSC Code and Why Is It Important?

IFSC stands for Indian Financial System Code, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, along with Esaf Small Finance Bank Limited located in Bhubaneshwar, Bhubaneshwar, Odisha, are allotted a unique IFSC like ESMF0001196 to ensure that online payments reach the right destination.

The IFSC Code is important because:

• It clearly tells which bank branch it is in Bhubaneshwar.
• It helps NEFT, RTGS, and IMPS systems route the transfer securely.
• It prevents confusion between different branches of the same bank in places like Bhubaneshwar and Khurda.
• It reduces errors in fund transfers and improves accuracy.
• It helps the sender banks to validate and confirm branch details before processing payments.

It makes sure that money sent to Esaf Small Finance Bank Limited in Bhubaneshwar reaches the right place, even though there are thousands of branches in Odisha and across India.

Format of the IFSC Code ESMF0001196

The format of the IFSC Code for banks, including Esaf Small Finance Bank Limited, follows an 11-character structure:

AAAA0CCCCCC

Here's the breakdown:

• First 4 characters (AAAA): These represent the bank code. In Esaf Small Finance Bank Limited, they are a short identifier for the bank.
• 5th character (0): This is always zero and is reserved for future use.
• Last 6 characters (CCCCCC): These are what represent the specific branch code which is assigned to branches like Bhubaneshwar in Bhubaneshwar.

For example, the IFSC Code ESMF0001196 of Esaf Small Finance Bank Limited for the Bhubaneshwar branch has these elements, identifying the bank and the branch location in Bhubaneshwar and Odisha correctly.

How to Find IFSC Code for Esaf Small Finance Bank Limited?

If you are trying to find the IFSC Code ESMF0001196 of Esaf Small Finance Bank Limited for its Bhubaneshwar branch located in Bhubaneshwar, the following methods can help:

Cheque Book

The cheque book issued by Esaf Small Finance Bank Limited includes the IFSC Code printed on each cheque leaf which you can easily spot on the top section.

Passbook

Most banks, including Esaf Small Finance Bank Limited branches in Bhubaneshwar and Khurda, print the IFSC and MICR codes on the first page of your passbook.

Bank Website

Visit the official website of Esaf Small Finance Bank Limited and navigate to the branch locator section. Search for Bhubaneshwar or Bhubaneshwar to get the exact IFSC Code ESMF0001196.

Mobile Banking App

If you use Esaf Small Finance Bank Limited's mobile app, you can check your account details to find your branch's IFSC code.

RBI Website

The Reserve Bank of India keeps an updated list of all IFSC codes. If you search for Esaf Small Finance Bank Limited and Bhubaneshwar, you'll get the correct details.

How to Use IFSC Code ESMF0001196 for Online Transfers?

Once you have the IFSC Code ESMF0001196 for the Bhubaneshwar branch of Esaf Small Finance Bank Limited in Bhubaneshwar, you can initiate your fund transfers using any digital method:

NEFT

Add beneficiary details including the name, account number, and IFSC Code ESMF0001196. Transfers are processed in batches. This is suitable for personal and business payments.

RTGS

Used for high-value payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.

IMPS

Instant 24×7 transfers. Requires the recipient's account details and Esaf Small Finance Bank Limited IFSC Code ESMF0001196.

Regardless of the method you choose, the accuracy of the IFSC Code is crucial. Any mistake in entering the IFSC Code for Esaf Small Finance Bank Limited Bhubaneshwar in Bhubaneshwar may result in delayed or failed transactions.

Finding the MICR Code

MICR codes are used for cheque clearance and differ from IFSC codes. If you are looking for the MICR code of Esaf Small Finance Bank Limited in Bhubaneshwar, here are some ways to obtain it:

• Check the bottom of your cheque leaf.
• Refer to the first page of your passbook.
• Visit the official Esaf Small Finance Bank Limited website.
• Search the RBI portal.

Having both the IFSC and MICR codes makes it easy for account holders in Bhubaneshwar to handle online money transfers and get their cheques cleared smoothly.