If you are searching for the IFSC code of Esaf Small Finance Bank Limited, BHAWANIPATNA branch in KALAHANDI, ODISHA, this page has every detail you need. The verified IFSC code for this branch is ESMF0001864. 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 BHAWANIPATNA branch, and detailed step-by-step guides for using the IFSC ESMF0001864 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 BHAWANIPATNA branch, the IFSC ESMF0001864 breaks down as follows: ESMF identifies the bank, 0 is the reserved character, and 001864 identifies this particular branch.
Branch details at a glance
| Bank Name | Esaf Small Finance Bank Limited |
|---|---|
| Branch | Bhawanipatna |
| IFSC Code | ESMF0001864 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ROOM NO 2160, NEW SATYAN CINEMA HALL CHORASTA, BAWANIPATNA,KALAHANDI,ODISHA 766001 |
| City | Kalahandi |
| District | Kalahandi |
| State | Odisha |
Bank profile
Esaf Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Bhawanipatna branch — IFSC ESMF0001864 — extends the bank's services to customers in and around Kalahandi, Odisha.
About the Bhawanipatna branch
The Bhawanipatna branch of Esaf Small Finance Bank Limited is situated at ROOM NO 2160, NEW SATYAN CINEMA HALL CHORASTA, BAWANIPATNA,KALAHANDI,ODISHA 766001. 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 ESMF0001864 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 BHAWANIPATNA branch came to be assigned the code ESMF0001864.
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 ESMF0001864, money simply cannot be routed to the BHAWANIPATNA branch electronically.
How to transfer money using IFSC ESMF0001864
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 ESMF0001864 across all three.
NEFT to Esaf Small Finance Bank Limited, BHAWANIPATNA using IFSC ESMF0001864
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 ESMF0001864, and confirm that the system picks up Esaf Small Finance Bank Limited – BHAWANIPATNA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BHAWANIPATNA
If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's BHAWANIPATNA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001864 while initiating the transfer and the credit will appear within minutes.
IMPS to Esaf Small Finance Bank Limited BHAWANIPATNA (IFSC ESMF0001864)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001864 in your mobile or internet banking app, and the money is credited to the BHAWANIPATNA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC ESMF0001864 for Esaf Small Finance Bank Limited – BHAWANIPATNA, 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 – ESMF0001864 | Yes – ESMF0001864 | Yes – ESMF0001864 |
For most retail customers crediting the Bhawanipatna 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 BHAWANIPATNA branch, the IFSC ESMF0001864 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 Bhawanipatna branch
Once you have an account at Esaf Small Finance Bank Limited – BHAWANIPATNA, the IFSC ESMF0001864 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 Bhawanipatna 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 ESMF0001864
MICR & cheque-truncation details
Cheques drawn on the Bhawanipatna branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESMF0001864 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC ESMF0001864
Esaf Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BHAWANIPATNA 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 ESMF0001864 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 – BHAWANIPATNA:
- The IFSC is exactly ESMF0001864 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 BHAWANIPATNA 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.
Reaching the branch
The Bhawanipatna branch sits at ROOM NO 2160, NEW SATYAN CINEMA HALL CHORASTA, BAWANIPATNA,KALAHANDI,ODISHA 766001. If you are travelling from outside Kalahandi, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 ESMF0001864 and your account number.
Verifying IFSC ESMF0001864 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 ESMF0001864 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- 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 Bhawanipatna branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESMF0001864, however, work 24x7.
Branch address & contact
Esaf Small Finance Bank LimitedBhawanipatna Branch
ROOM NO 2160, NEW SATYAN CINEMA HALL CHORASTA, BAWANIPATNA,KALAHANDI,ODISHA 766001
Kalahandi, Odisha
Phone: the branch contact number
IFSC: ESMF0001864
Frequently asked questions
What is the IFSC code of Esaf Small Finance Bank Limited Bhawanipatna branch?
The IFSC code of Esaf Small Finance Bank Limited, Bhawanipatna branch is ESMF0001864. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using ESMF0001864 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Esaf Small Finance Bank Limited – Bhawanipatna reflect within 30 minutes.
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 Bhawanipatna branch but serve different purposes.
What is the phone number of Esaf Small Finance Bank Limited Bhawanipatna branch?
You can reach the branch at the branch contact number during regular banking hours.
Is IFSC ESMF0001864 valid for NEFT and RTGS?
Yes. IFSC ESMF0001864 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Esaf Small Finance Bank Limited Bhawanipatna branch located?
Esaf Small Finance Bank Limited's Bhawanipatna branch is located at ROOM NO 2160, NEW SATYAN CINEMA HALL CHORASTA, BAWANIPATNA,KALAHANDI,ODISHA 766001, Kalahandi, Odisha.
How do I add Esaf Small Finance Bank Limited Bhawanipatna as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC ESMF0001864, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: ESMF0001864 is the IFSC code of Esaf Small Finance Bank Limited, BHAWANIPATNA branch, in KALAHANDI, ODISHA. 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.
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