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

Use this page as a one-stop reference for everything related to Esaf Small Finance Bank Limited's BENGALURU HSR LAYOUT branch in BENGALURU HSR LAYOUT, KARNATAKA. The branch's IFSC code ESMF0001604 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, ESMF0001604 is the IFSC of Esaf Small Finance Bank Limited's BENGALURU HSR LAYOUT branch. The format is fixed: ESMF = bank code, 0 = reserved, 001604 = branch identifier.

About Esaf Small Finance Bank Limited

Esaf Small Finance Bank Limited operates a wide network of branches across India, including the Bengaluru Hsr Layout branch in Bengaluru Hsr Layout. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, ESMF0001604.

Branch details at a glance

About the Bengaluru Hsr Layout branch

The Bengaluru Hsr Layout branch of Esaf Small Finance Bank Limited is situated at DOOR NO 1318,24TH MAIN ROAD,SECTOR 2,PARANGIPALYA,BENGALURU KARNATAKA 560102. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code ESMF0001604 is used.

Why every Esaf Small Finance Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including BENGALURU HSR LAYOUT of Esaf Small Finance Bank Limited — its own 11-character IFSC. The code ESMF0001604 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC ESMF0001604 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Bengaluru Hsr Layout branch is mapped to IFSC ESMF0001604 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 ESMF0001604.

Products and services

Customers walking into the Bengaluru Hsr 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 ESMF0001604

How to transfer money using IFSC ESMF0001604

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 ESMF0001604 across all three.

NEFT to Esaf Small Finance Bank Limited, BENGALURU HSR LAYOUT using IFSC ESMF0001604

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 ESMF0001604, and confirm that the system picks up Esaf Small Finance Bank Limited – BENGALURU HSR 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 HSR LAYOUT

If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's BENGALURU HSR LAYOUT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001604 while initiating the transfer and the credit will appear within minutes.

IMPS to Esaf Small Finance Bank Limited BENGALURU HSR LAYOUT (IFSC ESMF0001604)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001604 in your mobile or internet banking app, and the money is credited to the BENGALURU HSR LAYOUT branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bengaluru Hsr 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 ESMF0001604:

• 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 HSR LAYOUT is still linked to IFSC ESMF0001604.

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.

UPI payments and IFSC ESMF0001604

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Esaf Small Finance Bank Limited – BENGALURU HSR LAYOUT is still mapped to IFSC ESMF0001604. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC ESMF0001604 and the beneficiary's account number to complete the transfer.

Online banking and IFSC ESMF0001604

Esaf Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BENGALURU HSR 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 ESMF0001604 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.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Esaf Small Finance Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC ESMF0001604 and the account number together uniquely identify the Bengaluru Hsr Layout branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 HSR LAYOUT:

• The IFSC is exactly ESMF0001604 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 HSR 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.

Reaching the branch

The Bengaluru Hsr Layout branch sits at DOOR NO 1318,24TH MAIN ROAD,SECTOR 2,PARANGIPALYA,BENGALURU KARNATAKA 560102. If you are travelling from outside Bengaluru Hsr Layout, search for the branch on a maps application using the bank name and locality, or call 80-9288013493 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC ESMF0001604 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESMF0001604 for Esaf Small Finance Bank Limited – BENGALURU HSR 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 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 Hsr Layout branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESMF0001604, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESMF0001604 is the IFSC code of Esaf Small Finance Bank Limited, BENGALURU HSR LAYOUT branch, in BENGALURU HSR 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.