IFSC Code of Esaf Small Finance Bank Limited, Garhakota Branch, Madhya Pradesh

Below are the complete branch details for Esaf Small Finance Bank Limited, GARHAKOTA branch, located in GARHAKOTA, MADHYA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is ESMF0001432. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case ESMF0001432 for Esaf Small Finance Bank Limited – GARHAKOTA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – GARHAKOTA is ESMF0001432. The first four letters ESMF are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001432 map to this branch in GARHAKOTA, MADHYA PRADESH.

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 Garhakota branch in Garhakota. 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, ESMF0001432.

About the Garhakota branch

The Garhakota branch of Esaf Small Finance Bank Limited is situated at PLOT NO 01 15,RAM WARD,PATHARIA ROAD,GARHAKOTA P O,SAGAR,470229. 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 ESMF0001432 is used.

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 GARHAKOTA branch came to be assigned the code ESMF0001432.

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 ESMF0001432, money simply cannot be routed to the GARHAKOTA branch electronically.

How to transfer money using IFSC ESMF0001432

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 ESMF0001432 across all three.

NEFT to Esaf Small Finance Bank Limited, GARHAKOTA using IFSC ESMF0001432

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 ESMF0001432, and confirm that the system picks up Esaf Small Finance Bank Limited – GARHAKOTA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GARHAKOTA

If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's GARHAKOTA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001432 while initiating the transfer and the credit will appear within minutes.

IMPS to Esaf Small Finance Bank Limited GARHAKOTA (IFSC ESMF0001432)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001432 in your mobile or internet banking app, and the money is credited to the GARHAKOTA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Garhakota

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 ESMF0001432:

• 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 GARHAKOTA is still linked to IFSC ESMF0001432.

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.

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 GARHAKOTA branch, the IFSC ESMF0001432 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.

Account types you can open at the Garhakota branch

Once you have an account at Esaf Small Finance Bank Limited – GARHAKOTA, the IFSC ESMF0001432 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 Garhakota 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 ESMF0001432

MICR & cheque-truncation details

Cheques drawn on the Garhakota branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESMF0001432 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC ESMF0001432

Esaf Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the GARHAKOTA 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 ESMF0001432 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 ESMF0001432

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 – GARHAKOTA, 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: ESMF0001432.
• 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 Garhakota branch

The branch is located at PLOT NO 01 15,RAM WARD,PATHARIA ROAD,GARHAKOTA P O,SAGAR,470229, which puts it inside Garhakota, the broader Sagar district, and the state of Madhya Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Esaf Small Finance Bank Limited Garhakota branch” — the verified location pin for IFSC ESMF0001432 should appear at the top of the results.
2. Confirm the branch is open by calling 7585-7593890669 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 ESMF0001432 and your account number.

Verifying IFSC ESMF0001432 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 ESMF0001432 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 7585-7593890669.
• 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 Garhakota branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESMF0001432, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESMF0001432 is the IFSC code of Esaf Small Finance Bank Limited, GARHAKOTA branch, in GARHAKOTA, MADHYA 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.