Below are the complete branch details for Esaf Small Finance Bank Limited, ROORKEE branch, located in HARIDWAR, UTTARAKHAND. The IFSC assigned by the Reserve Bank of India to this branch is ESMF0001913. 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 ESMF0001913 for Esaf Small Finance Bank Limited – ROORKEE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 ROORKEE branch, the IFSC ESMF0001913 breaks down as follows: ESMF identifies the bank, 0 is the reserved character, and 001913 identifies this particular branch.
Branch details at a glance
| Bank Name | Esaf Small Finance Bank Limited |
|---|---|
| Branch | Roorkee |
| IFSC Code | ESMF0001913 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO - 380,TULSI TOWER, NEAR B.S.M DEGREE COLLEGE,ROORKEE O,HARIDWAR,UTTARAKHAND-247667 |
| City | Haridwar |
| District | Haridwar |
| State | Uttarakhand |
| STD Code | 1332 |
| Phone | 8714665131 |
Bank profile
Esaf Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Roorkee branch — IFSC ESMF0001913 — extends the bank's services to customers in and around Haridwar, Uttarakhand.
About the Roorkee branch
The Roorkee branch of Esaf Small Finance Bank Limited is situated at NO - 380,TULSI TOWER, NEAR B.S.M DEGREE COLLEGE,ROORKEE O,HARIDWAR,UTTARAKHAND-247667. 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 ESMF0001913 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 ROORKEE branch came to be assigned the code ESMF0001913.
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 ESMF0001913, money simply cannot be routed to the ROORKEE branch electronically.
How to transfer money using IFSC ESMF0001913
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 ESMF0001913 across all three.
NEFT to Esaf Small Finance Bank Limited, ROORKEE using IFSC ESMF0001913
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 ESMF0001913, and confirm that the system picks up Esaf Small Finance Bank Limited – ROORKEE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC ESMF0001913
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 – ROORKEE, ensure your bank's portal accepts IFSC ESMF0001913 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Esaf Small Finance Bank Limited ROORKEE (IFSC ESMF0001913)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001913 in your mobile or internet banking app, and the money is credited to the ROORKEE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC ESMF0001913 for Esaf Small Finance Bank Limited – ROORKEE, 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 – ESMF0001913 | Yes – ESMF0001913 | Yes – ESMF0001913 |
For most retail customers crediting the Roorkee 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 ROORKEE branch, the IFSC ESMF0001913 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 Roorkee branch is mapped to IFSC ESMF0001913 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 ESMF0001913.
Banking services available
The Roorkee branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1332-8714665131.
- 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 ESMF0001913
MICR & cheque-truncation details
Cheques drawn on the Roorkee branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESMF0001913 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC ESMF0001913
Esaf Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ROORKEE 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 ESMF0001913 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.
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 – ROORKEE:
- The IFSC is exactly ESMF0001913 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 ROORKEE 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.
How to reach the Roorkee branch
The branch is located at NO - 380,TULSI TOWER, NEAR B.S.M DEGREE COLLEGE,ROORKEE O,HARIDWAR,UTTARAKHAND-247667, which puts it inside Haridwar, the broader Haridwar district, and the state of Uttarakhand. To plan your visit:
- Open Google Maps on your phone and search for “Esaf Small Finance Bank Limited Roorkee branch” — the verified location pin for IFSC ESMF0001913 should appear at the top of the results.
- Confirm the branch is open by calling 1332-8714665131 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 ESMF0001913 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC ESMF0001913 for Esaf Small Finance Bank Limited – ROORKEE, 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 Roorkee 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 ESMF0001913 continue to work without interruption.
Branch address & contact
Esaf Small Finance Bank LimitedRoorkee Branch
NO - 380,TULSI TOWER, NEAR B.S.M DEGREE COLLEGE,ROORKEE O,HARIDWAR,UTTARAKHAND-247667
Haridwar, Uttarakhand
Phone: 1332-8714665131
IFSC: ESMF0001913
Frequently asked questions
Is IFSC ESMF0001913 the same for all accounts at Roorkee branch?
Yes. The IFSC ESMF0001913 is shared by every account held at Esaf Small Finance Bank Limited's Roorkee branch. Only the account number changes from customer to customer.
Can I use IFSC ESMF0001913 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC ESMF0001913 to send funds instantly.
How do I add Esaf Small Finance Bank Limited Roorkee as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC ESMF0001913, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Esaf Small Finance Bank Limited Roorkee branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1332-8714665131 to confirm.
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 Roorkee branch but serve different purposes.
What is the phone number of Esaf Small Finance Bank Limited Roorkee branch?
You can reach the branch at 1332-8714665131 during regular banking hours.
Summary
The IFSC code ESMF0001913 belongs to Esaf Small Finance Bank Limited's ROORKEE branch, located at NO - 380,TULSI TOWER, NEAR B.S.M DEGREE COLLEGE,ROORKEE… in HARIDWAR, UTTARAKHAND. 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.
