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

Use this page as a one-stop reference for everything related to Esaf Small Finance Bank Limited's BENGALURU HRBR LAYOUT branch in BENGALURU HRBR LAYOUT, KARNATAKA. The branch's IFSC code ESMF0001614 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 HRBR LAYOUT is ESMF0001614. The first four letters ESMF are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001614 map to this branch in BENGALURU HRBR LAYOUT, KARNATAKA.

Bank profile

Esaf Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Bengaluru Hrbr Layout branch — IFSC ESMF0001614 — extends the bank's services to customers in and around Bengaluru Hrbr Layout, Karnataka.

Bengaluru Hrbr Layout branch overview

Located at NO 920,SRI JAIRAM,3RD CROSS,9TH MAIN ROAD,1ST BLOCK,HRBR,KALYAN NAGAR P O,BANGALORE,KARNATAKA 560043, the Bengaluru Hrbr 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 ESMF0001614 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 HRBR LAYOUT branch came to be assigned the code ESMF0001614.

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 ESMF0001614, money simply cannot be routed to the BENGALURU HRBR LAYOUT branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Bengaluru Hrbr Layout branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESMF0001614 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC ESMF0001614

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 ESMF0001614 across all three.

NEFT to Esaf Small Finance Bank Limited, BENGALURU HRBR LAYOUT using IFSC ESMF0001614

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC ESMF0001614, and confirm that the system picks up Esaf Small Finance Bank Limited – BENGALURU HRBR LAYOUT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BENGALURU HRBR LAYOUT

If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's BENGALURU HRBR LAYOUT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001614 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Esaf Small Finance Bank Limited – BENGALURU HRBR LAYOUT, use IMPS. With IFSC ESMF0001614 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Bengaluru Hrbr Layout

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC ESMF0001614:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at BENGALURU HRBR LAYOUT is still linked to IFSC ESMF0001614.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

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 HRBR LAYOUT branch, the IFSC ESMF0001614 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.

Products and account variants supported

Every account opened at the Bengaluru Hrbr Layout branch is mapped to IFSC ESMF0001614 on the RBI payments network. The branch generally supports the full retail product catalogue of Esaf Small Finance Bank Limited, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains ESMF0001614.

Products and services

Customers walking into the Bengaluru Hrbr 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 ESMF0001614

Online banking and IFSC ESMF0001614

Esaf Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BENGALURU HRBR LAYOUT branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC ESMF0001614 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

How to reach the Bengaluru Hrbr Layout branch

The branch is located at NO 920,SRI JAIRAM,3RD CROSS,9TH MAIN ROAD,1ST BLOCK,HRBR,KALYAN NAGAR P O,BANGALORE,KARNATAKA 560043, which puts it inside Bengaluru Hrbr 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 Hrbr Layout branch” — the verified location pin for IFSC ESMF0001614 should appear at the top of the results.
2. Confirm the branch is open by calling 80-8136888923 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 ESMF0001614 and your account number.

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 HRBR LAYOUT:

• The IFSC is exactly ESMF0001614 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 HRBR 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.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Bengaluru Hrbr Layout branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESMF0001614, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESMF0001614 for Esaf Small Finance Bank Limited – BENGALURU HRBR 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.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESMF0001614 is the IFSC code of Esaf Small Finance Bank Limited, BENGALURU HRBR LAYOUT branch, in BENGALURU HRBR LAYOUT, KARNATAKA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.