If you are searching for the IFSC code of Esaf Small Finance Bank Limited, BENGALURU JP NAGAR branch in BENGALURU JP NAGAR, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is ESMF0001613. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the BENGALURU JP NAGAR branch, and detailed step-by-step guides for using the IFSC ESMF0001613 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Esaf Small Finance Bank Limited's BENGALURU JP NAGAR branch, the IFSC ESMF0001613 breaks down as follows: ESMF identifies the bank, 0 is the reserved character, and 001613 identifies this particular branch.
Branch details at a glance
| Bank Name | Esaf Small Finance Bank Limited |
|---|---|
| Branch | Bengaluru Jp Nagar |
| IFSC Code | ESMF0001613 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO 135 5, 15TH CROSS, 100 FT RING ROAD, 3RD PHASE, J P NAGAR PO, BANGALORE, KARNATAKA 560078 |
| City | Bengaluru Jp Nagar |
| District | Bengaluru |
| State | Karnataka |
| STD Code | 80 |
| Phone | 7356781222 |
Bank profile
Esaf Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Bengaluru Jp Nagar branch — IFSC ESMF0001613 — extends the bank's services to customers in and around Bengaluru Jp Nagar, Karnataka.
About this branch
The branch is located at NO 135 5, 15TH CROSS, 100 FT RING ROAD, 3RD PHASE, J P NAGAR PO, BANGALORE, KARNATAKA 560078. It serves the Bengaluru Jp Nagar region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Esaf Small Finance Bank Limited. The IFSC ESMF0001613 is used to identify this branch on the RBI payments network.
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 JP NAGAR of Esaf Small Finance Bank Limited — its own 11-character IFSC. The code ESMF0001613 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 ESMF0001613 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC ESMF0001613
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 ESMF0001613 across all three.
NEFT to Esaf Small Finance Bank Limited, BENGALURU JP NAGAR using IFSC ESMF0001613
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 ESMF0001613, and confirm that the system picks up Esaf Small Finance Bank Limited – BENGALURU JP NAGAR. 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 JP NAGAR
If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's BENGALURU JP NAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001613 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 JP NAGAR, use IMPS. With IFSC ESMF0001613 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC ESMF0001613 for Esaf Small Finance Bank Limited – BENGALURU JP NAGAR, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – ESMF0001613 | Yes – ESMF0001613 | Yes – ESMF0001613 |
For most retail customers crediting the Bengaluru Jp Nagar 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 JP NAGAR branch, the IFSC ESMF0001613 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 Jp Nagar branch is mapped to IFSC ESMF0001613 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 ESMF0001613.
Products and services
Customers walking into the Bengaluru Jp Nagar 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 ESMF0001613
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 ESMF0001613 and the account number together uniquely identify the Bengaluru Jp Nagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC ESMF0001613
Esaf Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BENGALURU JP NAGAR 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 ESMF0001613 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.
Common mistakes to avoid when using IFSC ESMF0001613
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Esaf Small Finance Bank Limited – BENGALURU JP NAGAR, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
ESMF0001613. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Bengaluru Jp Nagar branch sits at NO 135 5, 15TH CROSS, 100 FT RING ROAD, 3RD PHASE, J P NAGAR PO, BANGALORE, KARNATAKA 560078. If you are travelling from outside Bengaluru Jp Nagar, search for the branch on a maps application using the bank name and locality, or call 80-7356781222 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 ESMF0001613 and your account number.
Verifying IFSC ESMF0001613 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm ESMF0001613 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 80-7356781222.
- Visiting the bank's official branch locator page.
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 Jp Nagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESMF0001613, however, work 24x7.
Branch address & contact
Esaf Small Finance Bank LimitedBengaluru Jp Nagar Branch
NO 135 5, 15TH CROSS, 100 FT RING ROAD, 3RD PHASE, J P NAGAR PO, BANGALORE, KARNATAKA 560078
Bengaluru Jp Nagar, Karnataka
Phone: 80-7356781222
IFSC: ESMF0001613
Frequently asked questions
Is IFSC ESMF0001613 the same for all accounts at Bengaluru Jp Nagar branch?
Yes. The IFSC ESMF0001613 is shared by every account held at Esaf Small Finance Bank Limited's Bengaluru Jp Nagar branch. Only the account number changes from customer to customer.
How do I add Esaf Small Finance Bank Limited Bengaluru Jp Nagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC ESMF0001613, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Bengaluru Jp Nagar branch but serve different purposes.
How quickly will an NEFT transfer using ESMF0001613 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Esaf Small Finance Bank Limited – Bengaluru Jp Nagar reflect within 30 minutes.
Is IFSC ESMF0001613 valid for NEFT and RTGS?
Yes. IFSC ESMF0001613 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Esaf Small Finance Bank Limited Bengaluru Jp Nagar branch?
You can reach the branch at 80-7356781222 during regular banking hours.
Can I use IFSC ESMF0001613 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC ESMF0001613 to send funds instantly.
Does Esaf Small Finance Bank Limited Bengaluru Jp Nagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 80-7356781222 to confirm.
Final notes
To recap: ESMF0001613 is the IFSC code of Esaf Small Finance Bank Limited, BENGALURU JP NAGAR branch, in BENGALURU JP NAGAR, 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.
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