IFSC Code of Esaf Small Finance Bank Limited, Kharsia Branch, Chhattisgarh

Use this page as a one-stop reference for everything related to Esaf Small Finance Bank Limited's KHARSIA branch in KHARSIA, CHHATTISGARH. The branch's IFSC code ESMF0001474 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, ESMF0001474 is the IFSC of Esaf Small Finance Bank Limited's KHARSIA branch. The format is fixed: ESMF = bank code, 0 = reserved, 001474 = branch identifier.

Branch details at a glance

Bank profile

Esaf Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Kharsia branch — IFSC ESMF0001474 — extends the bank's services to customers in and around Kharsia, Chhattisgarh.

About the Kharsia branch

The Kharsia branch of Esaf Small Finance Bank Limited is situated at GUPTA COMPLEX,RAJGARH SQUARE,RAIGARH ROAD,KHARSIA P O,RAJGARH DIST,KHARSI,CHHATTISGARH,496661. 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 ESMF0001474 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 KHARSIA branch came to be assigned the code ESMF0001474.

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 ESMF0001474, money simply cannot be routed to the KHARSIA branch electronically.

How to transfer money using IFSC ESMF0001474

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 ESMF0001474 across all three.

How to use IFSC ESMF0001474 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 KHARSIA 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 ESMF0001474.
4. Confirm the bank name auto-populates as Esaf Small Finance Bank Limited and the branch as KHARSIA.
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 KHARSIA

If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's KHARSIA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001474 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 – KHARSIA, use IMPS. With IFSC ESMF0001474 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Kharsia

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 ESMF0001474:

• 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 KHARSIA is still linked to IFSC ESMF0001474.

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 KHARSIA branch, the IFSC ESMF0001474 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 Kharsia branch

Once you have an account at Esaf Small Finance Bank Limited – KHARSIA, the IFSC ESMF0001474 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 Kharsia 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 ESMF0001474

MICR & cheque-truncation details

Cheques drawn on the Kharsia branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESMF0001474 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Kharsia 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 ESMF0001474 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.

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 – KHARSIA:

• The IFSC is exactly ESMF0001474 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 KHARSIA 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 Kharsia branch

The branch is located at GUPTA COMPLEX,RAJGARH SQUARE,RAIGARH ROAD,KHARSIA P O,RAJGARH DIST,KHARSI,CHHATTISGARH,496661, which puts it inside Kharsia, the broader Janjgir Champa district, and the state of Chhattisgarh. To plan your visit:

1. Open Google Maps on your phone and search for “Esaf Small Finance Bank Limited Kharsia branch” — the verified location pin for IFSC ESMF0001474 should appear at the top of the results.
2. Confirm the branch is open by calling 7762-7593813400 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 ESMF0001474 and your account number.

Verifying IFSC ESMF0001474 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 ESMF0001474 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 7762-7593813400.
• 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 Kharsia branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESMF0001474, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESMF0001474 is the IFSC code of Esaf Small Finance Bank Limited, KHARSIA branch, in KHARSIA, CHHATTISGARH. 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.