IFSC Code of Esaf Small Finance Bank Limited, Bengaluru Hbr Layout Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for Esaf Small Finance Bank Limited, BENGALURU HBR LAYOUT branch in BENGALURU HBR LAYOUT. The 11-digit IFSC ESMF0001620 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Esaf Small Finance Bank Limited at the BENGALURU HBR LAYOUT location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Esaf Small Finance Bank Limited – BENGALURU HBR LAYOUT is ESMF0001620. The first four letters ESMF are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001620 map to this branch in BENGALURU HBR LAYOUT, KARNATAKA.

Branch details at a glance

Bank profile

Esaf Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Bengaluru Hbr Layout branch — IFSC ESMF0001620 — extends the bank's services to customers in and around Bengaluru Hbr Layout, Karnataka.

Bengaluru Hbr Layout branch overview

Located at NO 638 669 G, MSR ICON, 1ST STAGE, 1ST MAIN, HENNUR BELLARY ROAD, NEAR HBR BDA COMPLEX, HBR LAYOUT, BENGALURU, KARNATAKA 560043, the Bengaluru Hbr Layout branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESMF0001620 is required for all interbank electronic transfers routed through this branch.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Esaf Small Finance Bank Limited's BENGALURU HBR LAYOUT branch came to be assigned the code ESMF0001620.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC ESMF0001620, money simply cannot be routed to the BENGALURU HBR LAYOUT branch electronically.

How to transfer money using IFSC ESMF0001620

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 ESMF0001620 across all three.

How to use IFSC ESMF0001620 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Esaf Small Finance Bank Limited's BENGALURU HBR LAYOUT branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC ESMF0001620.
4. Confirm the bank name auto-populates as Esaf Small Finance Bank Limited and the branch as BENGALURU HBR LAYOUT.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to BENGALURU HBR LAYOUT

If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's BENGALURU HBR LAYOUT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001620 while initiating the transfer and the credit will appear within minutes.

IMPS to Esaf Small Finance Bank Limited BENGALURU HBR LAYOUT (IFSC ESMF0001620)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001620 in your mobile or internet banking app, and the money is credited to the BENGALURU HBR LAYOUT branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC ESMF0001620 for Esaf Small Finance Bank Limited – BENGALURU HBR LAYOUT, 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 Bengaluru Hbr Layout 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 Esaf Small Finance Bank Limited's BENGALURU HBR LAYOUT branch, the IFSC ESMF0001620 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.

Account types you can open at the Bengaluru Hbr Layout branch

Once you have an account at Esaf Small Finance Bank Limited – BENGALURU HBR LAYOUT, the IFSC ESMF0001620 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Bengaluru Hbr Layout branch can access most of Esaf 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 ESMF0001620

MICR & cheque-truncation details

Cheques drawn on the Bengaluru Hbr Layout branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESMF0001620 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Bengaluru Hbr Layout 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 ESMF0001620 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.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Esaf Small Finance Bank Limited – BENGALURU HBR LAYOUT:

• The IFSC is exactly ESMF0001620 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Esaf Small Finance Bank Limited as the bank name and BENGALURU HBR LAYOUT as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Bengaluru Hbr Layout branch

The branch is located at NO 638 669 G, MSR ICON, 1ST STAGE, 1ST MAIN, HENNUR BELLARY ROAD, NEAR HBR BDA COMPLEX, HBR LAYOUT, BENGALURU, KARNATAKA 560043, which puts it inside Bengaluru Hbr Layout, the broader Bengaluru district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Esaf Small Finance Bank Limited Bengaluru Hbr Layout branch” — the verified location pin for IFSC ESMF0001620 should appear at the top of the results.
2. Confirm the branch is open by calling 80-9288092454 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 ESMF0001620 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESMF0001620 for Esaf Small Finance Bank Limited – BENGALURU HBR LAYOUT, 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 Bengaluru Hbr Layout 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 ESMF0001620 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ESMF0001620 belongs to Esaf Small Finance Bank Limited's BENGALURU HBR LAYOUT branch, located at NO 638 669 G, MSR ICON, 1ST STAGE, 1ST MAIN, HENNUR BELLARY ROAD, NEAR HBR BDA… in BENGALURU HBR LAYOUT, KARNATAKA. 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.