IFSC Code of Esaf Small Finance Bank Limited, Chittoor Branch, Andhra Pradesh

If you are searching for the IFSC code of Esaf Small Finance Bank Limited, CHITTOOR branch in CHITTOOR, ANDHRA PRADESH, this page has every detail you need. The verified IFSC code for this branch is ESMF0001945. 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 CHITTOOR branch, and detailed step-by-step guides for using the IFSC ESMF0001945 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 – CHITTOOR is ESMF0001945. The first four letters ESMF are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001945 map to this branch in CHITTOOR, ANDHRA PRADESH.

About the bank

Esaf Small Finance Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Chittoor branch in Chittoor, Andhra Pradesh is part of this network and uses the IFSC code ESMF0001945 for all electronic settlement.

About the Chittoor branch

The Chittoor branch of Esaf Small Finance Bank Limited is situated at NO-10,-SMILE TREE ENCLAVE, NEAR THOTAPALYAM, CHITTOOR P O, CHITTOORANDHRA PRADESH 517001. 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 ESMF0001945 is used.

Branch details at a glance

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 CHITTOOR of Esaf Small Finance Bank Limited — its own 11-character IFSC. The code ESMF0001945 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 ESMF0001945 the same way you would treat your account number — verify it once and save it carefully for future use.

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 ESMF0001945 and the account number together uniquely identify the Chittoor branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC ESMF0001945

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 ESMF0001945 across all three.

How to use IFSC ESMF0001945 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 CHITTOOR 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 ESMF0001945.
4. Confirm the bank name auto-populates as Esaf Small Finance Bank Limited and the branch as CHITTOOR.
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 CHITTOOR

If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's CHITTOOR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001945 while initiating the transfer and the credit will appear within minutes.

IMPS to Esaf Small Finance Bank Limited CHITTOOR (IFSC ESMF0001945)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001945 in your mobile or internet banking app, and the money is credited to the CHITTOOR branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC ESMF0001945 for Esaf Small Finance Bank Limited – CHITTOOR, 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.

For most retail customers crediting the Chittoor 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 ESMF0001945

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 – CHITTOOR is still mapped to IFSC ESMF0001945. 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 ESMF0001945 and the beneficiary's account number to complete the transfer.

Account types you can open at the Chittoor branch

Once you have an account at Esaf Small Finance Bank Limited – CHITTOOR, the IFSC ESMF0001945 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.

Products and services

Customers walking into the Chittoor 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 ESMF0001945

Online banking and IFSC ESMF0001945

Esaf Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHITTOOR 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 ESMF0001945 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 Chittoor branch

The branch is located at NO-10,-SMILE TREE ENCLAVE, NEAR THOTAPALYAM, CHITTOOR P O, CHITTOORANDHRA PRADESH 517001, which puts it inside Chittoor, the broader Chittoor district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Esaf Small Finance Bank Limited Chittoor branch” — the verified location pin for IFSC ESMF0001945 should appear at the top of the results.
2. Confirm the branch is open by calling 8572-9895884045 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 ESMF0001945 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 – CHITTOOR:

• The IFSC is exactly ESMF0001945 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 CHITTOOR 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 Chittoor branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESMF0001945, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESMF0001945 for Esaf Small Finance Bank Limited – CHITTOOR, 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: ESMF0001945 is the IFSC code of Esaf Small Finance Bank Limited, CHITTOOR branch, in CHITTOOR, ANDHRA PRADESH. 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.