IFSC Code of Esaf Small Finance Bank Limited, Lucknow Gomtinagar Branch, Uttar Pradesh

Below are the complete branch details for Esaf Small Finance Bank Limited, LUCKNOW GOMTINAGAR branch, located in LUCKNOW- GOMTINAGAR, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is ESMF0001551. 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 ESMF0001551 for Esaf Small Finance Bank Limited – LUCKNOW GOMTINAGAR — 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 LUCKNOW GOMTINAGAR branch, the IFSC ESMF0001551 breaks down as follows: ESMF identifies the bank, 0 is the reserved character, and 001551 identifies this particular branch.

Bank profile

Esaf Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Lucknow Gomtinagar branch — IFSC ESMF0001551 — extends the bank's services to customers in and around Lucknow- Gomtinagar, Uttar Pradesh.

Branch details at a glance

About this branch

The branch is located at PLOT NO B 2 309, NEAR PATRAKAR PURAM CIRCLE, VIKAS KHAND, RAFI AHMAD KIDWAI WARD, GOMTI NAGAR, LUCKNOW, UTTAR PRADESH 226010. It serves the Lucknow- Gomtinagar region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Esaf Small Finance Bank Limited. The IFSC ESMF0001551 is used to identify this branch on the RBI payments network.

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 LUCKNOW GOMTINAGAR of Esaf Small Finance Bank Limited — its own 11-character IFSC. The code ESMF0001551 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 ESMF0001551 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Lucknow Gomtinagar branch is mapped to IFSC ESMF0001551 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 ESMF0001551.

Products and services

Customers walking into the Lucknow Gomtinagar 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 ESMF0001551

How to transfer money using IFSC ESMF0001551

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 ESMF0001551 across all three.

How to use IFSC ESMF0001551 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 LUCKNOW GOMTINAGAR 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 ESMF0001551.
4. Confirm the bank name auto-populates as Esaf Small Finance Bank Limited and the branch as LUCKNOW GOMTINAGAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC ESMF0001551

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 – LUCKNOW GOMTINAGAR, ensure your bank's portal accepts IFSC ESMF0001551 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Esaf Small Finance Bank Limited LUCKNOW GOMTINAGAR (IFSC ESMF0001551)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001551 in your mobile or internet banking app, and the money is credited to the LUCKNOW GOMTINAGAR branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC ESMF0001551 for Esaf Small Finance Bank Limited – LUCKNOW GOMTINAGAR, 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.

For most retail customers crediting the Lucknow Gomtinagar 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.

UPI payments and IFSC ESMF0001551

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Esaf Small Finance Bank Limited – LUCKNOW GOMTINAGAR is still mapped to IFSC ESMF0001551. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC ESMF0001551 and the beneficiary's account number to complete the transfer.

Online banking and IFSC ESMF0001551

Esaf Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the LUCKNOW GOMTINAGAR 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 ESMF0001551 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.

MICR & cheque-truncation details

Cheques drawn on the Lucknow Gomtinagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESMF0001551 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC ESMF0001551

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 – LUCKNOW GOMTINAGAR, 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: ESMF0001551.
• 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.

Reaching the branch

The Lucknow Gomtinagar branch sits at PLOT NO B 2 309, NEAR PATRAKAR PURAM CIRCLE, VIKAS KHAND, RAFI AHMAD KIDWAI WARD, GOMTI NAGAR, LUCKNOW, UTTAR PRADESH 226010. If you are travelling from outside Lucknow- Gomtinagar, search for the branch on a maps application using the bank name and locality, or call 522-9288092120 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 ESMF0001551 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESMF0001551 for Esaf Small Finance Bank Limited – LUCKNOW GOMTINAGAR, 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.

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 Lucknow Gomtinagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESMF0001551, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ESMF0001551 belongs to Esaf Small Finance Bank Limited's LUCKNOW GOMTINAGAR branch, located at PLOT NO B 2 309, NEAR PATRAKAR PURAM CIRCLE, VIKAS KHAND, RAFI AHMAD KIDWAI… in LUCKNOW- GOMTINAGAR, UTTAR PRADESH. 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.