IFSC Code of Esaf Small Finance Bank Limited, Surat, Surat, Gujarat — ESMF0001239

For digital banking and online financial transactions in India, one essential element that makes sure of a seamless and accurate fund transfers is the IFSC Code. If you are sending money through NEFT, RTGS, or IMPS, the bank asks you to enter the correct IFSC Code to route your payment to the right branch. And so, in case you are searching for the IFSC Code of Esaf Small Finance Bank Limited for its Surat branch in Surat, Surat, Gujarat, this comprehensive guide will provide you with detailed information.

The banking system in India has changed significantly over the years, and today customers of Esaf Small Finance Bank Limited located in Surat or anywhere in Gujarat can transfer funds instantly by using the correct IFSC Code ESMF0001239. Knowing how the IFSC Code works can help you stay informed and avoid transfer errors.

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

Below in the table are the key details related to IFSC Code ESMF0001239 of Esaf Small Finance Bank Limited for its branch located in Surat, within the district of Surat in the state of Gujarat.

These details help users in online banking and for businesses and individuals who use Esaf Small Finance Bank Limited in Surat for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code ESMF0001239 for the Surat branch of Esaf Small Finance Bank Limited has a very important 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, including Esaf Small Finance Bank Limited located in Surat, Surat, Gujarat, is provided with a unique IFSC like ESMF0001239 to ensure that online payments reach the right destination.

The IFSC Code is important because:

• It uniquely identifies the Esaf Small Finance Bank Limited branch in Surat.
• It helps NEFT, RTGS, and IMPS systems route the transfer securely.
• It avoids any errors or confusions between multiple branches of the same bank across different places like Surat and Surat.
• It reduces errors in fund transfers and improves accuracy.
• It allows sender banks to validate and confirm branch details before processing payments.

There are thousands of branches across Gujarat and the rest of India and the IFSC Code ensures that transactions meant for Esaf Small Finance Bank Limited in Surat do not get mixed with another location.

Format of the IFSC Code ESMF0001239

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): Show the bank code. For Esaf Small Finance Bank Limited, these letters represent the bank's short name.
• 5th character: Is always zero and is kept for future use.
• Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Surat in Surat.

For example, the IFSC Code ESMF0001239 of Esaf Small Finance Bank Limited for the Surat branch includes these elements, identifying the bank and the branch location in Surat and Gujarat accurately.

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

If you are looking for the IFSC Code ESMF0001239 of Esaf Small Finance Bank Limited for its Surat branch located in Surat, the following methods can help:

Cheque Book

The cheque book that is issued by Esaf Small Finance Bank Limited includes the IFSC Code printed on each cheque leaf. You can easily spot the code at the top section.

Passbook

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

Bank Website

You can visit the official website of Esaf Small Finance Bank Limited and look for the branch locator section, then search for Surat or Surat to get the exact IFSC Code ESMF0001239.

Mobile Banking App

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

RBI Website

The Reserve Bank of India has an updated database of all IFSC codes and if you are searching for Esaf Small Finance Bank Limited and Surat, then it will provide you proper information.

How to Use IFSC Code ESMF0001239 for Online Transfers?

Once you have the IFSC Code ESMF0001239 for the Surat branch of Esaf Small Finance Bank Limited in Surat, you can initiate your fund transfers using any digital method:

NEFT

Add the beneficiary's name, account number, and IFSC Code ESMF0001239. The transfer is completed in batches instead of instantly. It is useful for both 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 ESMF0001239.

No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Esaf Small Finance Bank Limited Surat in Surat, your payment can get delayed or might not go through at all.

Finding the MICR Code

MICR codes are used for cheque clearance and are very different from IFSC codes. If you are looking for the MICR code of Esaf Small Finance Bank Limited in Surat, here are some of the ways you can get 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.

Knowing both IFSC and MICR code can help account holders in Surat manage their online transfers and cheque clearances easily.