IFSC Code of Esaf Small Finance Bank Limited, Chamarajanagar Branch, Karnataka

If you are searching for the IFSC code of Esaf Small Finance Bank Limited, CHAMARAJANAGAR branch in CHAMARAJANAGAR, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is ESMF0001347. 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 CHAMARAJANAGAR branch, and detailed step-by-step guides for using the IFSC ESMF0001347 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.

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 – CHAMARAJANAGAR is ESMF0001347. The first four letters ESMF are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001347 map to this branch in CHAMARAJANAGAR, KARNATAKA.

Branch details at a glance

About Esaf Small Finance Bank Limited

Esaf Small Finance Bank Limited operates a wide network of branches across India, including the Chamarajanagar branch in Chamarajanagar. 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, ESMF0001347.

About this branch

The branch is located at ASHA COMPLEX,BUJANGESHWARA EXTENSION SAMPIGE ROAD,NEAR AXIS BANK,CHAMARAJANAGAR,KARNATAKA 571313. It serves the Chamarajanagar 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 ESMF0001347 is used to identify this branch on the RBI payments network.

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 CHAMARAJANAGAR branch came to be assigned the code ESMF0001347.

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 ESMF0001347, money simply cannot be routed to the CHAMARAJANAGAR branch electronically.

How to transfer money using IFSC ESMF0001347

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 ESMF0001347 across all three.

How to use IFSC ESMF0001347 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 CHAMARAJANAGAR 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 ESMF0001347.
4. Confirm the bank name auto-populates as Esaf Small Finance Bank Limited and the branch as CHAMARAJANAGAR.
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 CHAMARAJANAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's CHAMARAJANAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001347 while initiating the transfer and the credit will appear within minutes.

IMPS to Esaf Small Finance Bank Limited CHAMARAJANAGAR (IFSC ESMF0001347)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001347 in your mobile or internet banking app, and the money is credited to the CHAMARAJANAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chamarajanagar

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 ESMF0001347:

• 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 CHAMARAJANAGAR is still linked to IFSC ESMF0001347.

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 ESMF0001347

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 – CHAMARAJANAGAR is still mapped to IFSC ESMF0001347. 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 ESMF0001347 and the beneficiary's account number to complete the transfer.

Account types you can open at the Chamarajanagar branch

Once you have an account at Esaf Small Finance Bank Limited – CHAMARAJANAGAR, the IFSC ESMF0001347 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.

Banking services available

The Chamarajanagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8226-9288092489.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC ESMF0001347

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 ESMF0001347 and the account number together uniquely identify the Chamarajanagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC ESMF0001347

Esaf Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHAMARAJANAGAR 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 ESMF0001347 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 ESMF0001347

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 – CHAMARAJANAGAR, 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: ESMF0001347.
• 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.

How to reach the Chamarajanagar branch

The branch is located at ASHA COMPLEX,BUJANGESHWARA EXTENSION SAMPIGE ROAD,NEAR AXIS BANK,CHAMARAJANAGAR,KARNATAKA 571313, which puts it inside Chamarajanagar, the broader Karnataka 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 Chamarajanagar branch” — the verified location pin for IFSC ESMF0001347 should appear at the top of the results.
2. Confirm the branch is open by calling 8226-9288092489 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 ESMF0001347 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESMF0001347 for Esaf Small Finance Bank Limited – CHAMARAJANAGAR, 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 Chamarajanagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESMF0001347, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESMF0001347 is the IFSC code of Esaf Small Finance Bank Limited, CHAMARAJANAGAR branch, in CHAMARAJANAGAR, 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.