This page lists the IFSC code, branch address, contact number and fund-transfer information for Esaf Small Finance Bank Limited, CHANDRAPUR branch in CHANDRAPUR. The 11-digit IFSC ESMF0001318 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 CHANDRAPUR 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.
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, ESMF0001318 is the IFSC of Esaf Small Finance Bank Limited's CHANDRAPUR branch. The format is fixed: ESMF = bank code, 0 = reserved, 001318 = branch identifier.
Branch details at a glance
| Bank Name | Esaf Small Finance Bank Limited |
|---|---|
| Branch | Chandrapur |
| IFSC Code | ESMF0001318 |
| MICR Code | Refer to cheque leaf |
| Branch Address | FIRST FLOOR,STREET NO 37,GUNG WARD,OPPOSITE TO AZAD GARDEN,442404 |
| City | Chandrapur |
| District | Chandrapur |
| State | Maharashtra |
| STD Code | 7172 |
| Phone | 9288092136 |
About Esaf Small Finance Bank Limited
Esaf Small Finance Bank Limited operates a wide network of branches across India, including the Chandrapur branch in Chandrapur. 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, ESMF0001318.
Chandrapur branch overview
Located at FIRST FLOOR,STREET NO 37,GUNG WARD,OPPOSITE TO AZAD GARDEN,442404, the Chandrapur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESMF0001318 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 CHANDRAPUR branch came to be assigned the code ESMF0001318.
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 ESMF0001318, money simply cannot be routed to the CHANDRAPUR branch electronically.
How to transfer money using IFSC ESMF0001318
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 ESMF0001318 across all three.
NEFT to Esaf Small Finance Bank Limited, CHANDRAPUR using IFSC ESMF0001318
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 ESMF0001318, and confirm that the system picks up Esaf Small Finance Bank Limited – CHANDRAPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC ESMF0001318
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Esaf Small Finance Bank Limited – CHANDRAPUR, ensure your bank's portal accepts IFSC ESMF0001318 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Esaf Small Finance Bank Limited CHANDRAPUR (IFSC ESMF0001318)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001318 in your mobile or internet banking app, and the money is credited to the CHANDRAPUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC ESMF0001318 for Esaf Small Finance Bank Limited – CHANDRAPUR, 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 – ESMF0001318 | Yes – ESMF0001318 | Yes – ESMF0001318 |
For most retail customers crediting the Chandrapur 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.
UPI payments and IFSC ESMF0001318
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 – CHANDRAPUR is still mapped to IFSC ESMF0001318. 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 ESMF0001318 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Chandrapur branch is mapped to IFSC ESMF0001318 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 ESMF0001318.
Products and services
Customers walking into the Chandrapur 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 ESMF0001318
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 ESMF0001318 and the account number together uniquely identify the Chandrapur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Chandrapur 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 ESMF0001318 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.
Common mistakes to avoid when using IFSC ESMF0001318
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 – CHANDRAPUR, 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:
ESMF0001318. - 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 Chandrapur branch sits at FIRST FLOOR,STREET NO 37,GUNG WARD,OPPOSITE TO AZAD GARDEN,442404. If you are travelling from outside Chandrapur, search for the branch on a maps application using the bank name and locality, or call 7172-9288092136 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 ESMF0001318 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC ESMF0001318 for Esaf Small Finance Bank Limited – CHANDRAPUR, 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 Chandrapur 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 ESMF0001318 continue to work without interruption.
Branch address & contact
Esaf Small Finance Bank LimitedChandrapur Branch
FIRST FLOOR,STREET NO 37,GUNG WARD,OPPOSITE TO AZAD GARDEN,442404
Chandrapur, Maharashtra
Phone: 7172-9288092136
IFSC: ESMF0001318
Frequently asked questions
Does Esaf Small Finance Bank Limited Chandrapur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 7172-9288092136 to confirm.
Where is Esaf Small Finance Bank Limited Chandrapur branch located?
Esaf Small Finance Bank Limited's Chandrapur branch is located at FIRST FLOOR,STREET NO 37,GUNG WARD,OPPOSITE TO AZAD GARDEN,442404, Chandrapur, Maharashtra.
How quickly will an NEFT transfer using ESMF0001318 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Esaf Small Finance Bank Limited – Chandrapur reflect within 30 minutes.
How do I add Esaf Small Finance Bank Limited Chandrapur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC ESMF0001318, 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 Chandrapur branch but serve different purposes.
Can I use IFSC ESMF0001318 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC ESMF0001318 to send funds instantly.
Is IFSC ESMF0001318 valid for NEFT and RTGS?
Yes. IFSC ESMF0001318 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Esaf Small Finance Bank Limited Chandrapur branch?
The IFSC code of Esaf Small Finance Bank Limited, Chandrapur branch is ESMF0001318. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code ESMF0001318 belongs to Esaf Small Finance Bank Limited's CHANDRAPUR branch, located at FIRST FLOOR,STREET NO 37,GUNG WARD,OPPOSITE TO AZAD GARDEN,442404 in CHANDRAPUR, MAHARASHTRA. 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.
