If you are searching for the IFSC code of Esaf Small Finance Bank Limited, DHANBAD branch in DHANBAD, JHARKHAND, this page has every detail you need. The verified IFSC code for this branch is ESMF0001255. 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 DHANBAD branch, and detailed step-by-step guides for using the IFSC ESMF0001255 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 DHANBAD branch, the IFSC ESMF0001255 breaks down as follows: ESMF identifies the bank, 0 is the reserved character, and 001255 identifies this particular branch.
Branch details at a glance
| Bank Name | Esaf Small Finance Bank Limited |
|---|---|
| Branch | Dhanbad |
| IFSC Code | ESMF0001255 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BHRAMDEO CHAMBERS,SARAIDHELA MAIN ROAD,NEAR OZONE GALLERIA MALL,SARAIDHELA,DHANBAD,JHARKHAND 828127 |
| City | Dhanbad |
| District | Dhanbad |
| State | Jharkhand |
| STD Code | 326 |
| Phone | 7593810209 |
About Esaf Small Finance Bank Limited
Esaf Small Finance Bank Limited operates a wide network of branches across India, including the Dhanbad branch in Dhanbad. 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, ESMF0001255.
Dhanbad branch overview
Located at BHRAMDEO CHAMBERS,SARAIDHELA MAIN ROAD,NEAR OZONE GALLERIA MALL,SARAIDHELA,DHANBAD,JHARKHAND 828127, the Dhanbad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESMF0001255 is required for all interbank electronic transfers routed through this branch.
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 DHANBAD of Esaf Small Finance Bank Limited — its own 11-character IFSC. The code ESMF0001255 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 ESMF0001255 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 ESMF0001255
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 ESMF0001255 across all three.
How to use IFSC ESMF0001255 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 DHANBAD 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC ESMF0001255.
- Confirm the bank name auto-populates as Esaf Small Finance Bank Limited and the branch as DHANBAD.
- 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 DHANBAD
If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's DHANBAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001255 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 – DHANBAD, use IMPS. With IFSC ESMF0001255 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 ESMF0001255 for Esaf Small Finance Bank Limited – DHANBAD, 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 – ESMF0001255 | Yes – ESMF0001255 | Yes – ESMF0001255 |
For most retail customers crediting the Dhanbad 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 DHANBAD branch, the IFSC ESMF0001255 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 Dhanbad branch is mapped to IFSC ESMF0001255 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 ESMF0001255.
Products and services
Customers walking into the Dhanbad 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 ESMF0001255
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 ESMF0001255 and the account number together uniquely identify the Dhanbad 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 Dhanbad 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 ESMF0001255 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 ESMF0001255
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 – DHANBAD, 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:
ESMF0001255. - 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 Dhanbad branch
The branch is located at BHRAMDEO CHAMBERS,SARAIDHELA MAIN ROAD,NEAR OZONE GALLERIA MALL,SARAIDHELA,DHANBAD,JHARKHAND 828127, which puts it inside Dhanbad, the broader Dhanbad district, and the state of Jharkhand. To plan your visit:
- Open Google Maps on your phone and search for “Esaf Small Finance Bank Limited Dhanbad branch” — the verified location pin for IFSC ESMF0001255 should appear at the top of the results.
- Confirm the branch is open by calling 326-7593810209 before stepping out, especially around public holidays.
- 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 ESMF0001255 and your account number.
Verifying IFSC ESMF0001255 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 ESMF0001255 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 326-7593810209.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Dhanbad 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 ESMF0001255 continue to work without interruption.
Branch address & contact
Esaf Small Finance Bank LimitedDhanbad Branch
BHRAMDEO CHAMBERS,SARAIDHELA MAIN ROAD,NEAR OZONE GALLERIA MALL,SARAIDHELA,DHANBAD,JHARKHAND 828127
Dhanbad, Jharkhand
Phone: 326-7593810209
IFSC: ESMF0001255
Frequently asked questions
Is IFSC ESMF0001255 the same for all accounts at Dhanbad branch?
Yes. The IFSC ESMF0001255 is shared by every account held at Esaf Small Finance Bank Limited's Dhanbad branch. Only the account number changes from customer to customer.
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 Dhanbad branch but serve different purposes.
How quickly will an NEFT transfer using ESMF0001255 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Esaf Small Finance Bank Limited – Dhanbad reflect within 30 minutes.
Can I use IFSC ESMF0001255 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC ESMF0001255 to send funds instantly.
How do I add Esaf Small Finance Bank Limited Dhanbad as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC ESMF0001255, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC ESMF0001255 valid for NEFT and RTGS?
Yes. IFSC ESMF0001255 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 Dhanbad branch?
You can reach the branch at 326-7593810209 during regular banking hours.
Final notes
To recap: ESMF0001255 is the IFSC code of Esaf Small Finance Bank Limited, DHANBAD branch, in DHANBAD, JHARKHAND. 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.
