If you are searching for the IFSC code of Esaf Small Finance Bank Limited, MAJULI branch in MAJULI, ASSAM, this page has every detail you need. The verified IFSC code for this branch is ESMF0001888. 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 MAJULI branch, and detailed step-by-step guides for using the IFSC ESMF0001888 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 MAJULI branch, the IFSC ESMF0001888 breaks down as follows: ESMF identifies the bank, 0 is the reserved character, and 001888 identifies this particular branch.
Branch details at a glance
| Bank Name | Esaf Small Finance Bank Limited |
|---|---|
| Branch | Majuli |
| IFSC Code | ESMF0001888 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SONARI ATI CHARIALI MAJULI P O |
| City | Majuli |
| District | Majuli |
| State | Assam |
| STD Code | 3775 |
| Phone | 8714651470 |
About Esaf Small Finance Bank Limited
Esaf Small Finance Bank Limited operates a wide network of branches across India, including the Majuli branch in Majuli. 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, ESMF0001888.
About this branch
The branch is located at SONARI ATI CHARIALI MAJULI P O. It serves the Majuli 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 ESMF0001888 is used to identify this branch on the RBI payments network.
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 MAJULI branch came to be assigned the code ESMF0001888.
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 ESMF0001888, money simply cannot be routed to the MAJULI branch electronically.
How to transfer money using IFSC ESMF0001888
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 ESMF0001888 across all three.
NEFT to Esaf Small Finance Bank Limited, MAJULI using IFSC ESMF0001888
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 ESMF0001888, and confirm that the system picks up Esaf Small Finance Bank Limited – MAJULI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to MAJULI
If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's MAJULI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001888 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 – MAJULI, use IMPS. With IFSC ESMF0001888 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC ESMF0001888 for Esaf Small Finance Bank Limited – MAJULI, 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 – ESMF0001888 | Yes – ESMF0001888 | Yes – ESMF0001888 |
For most retail customers crediting the Majuli 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 ESMF0001888
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 – MAJULI is still mapped to IFSC ESMF0001888. 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 ESMF0001888 and the beneficiary's account number to complete the transfer.
Account types you can open at the Majuli branch
Once you have an account at Esaf Small Finance Bank Limited – MAJULI, the IFSC ESMF0001888 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.
Banking services available
The Majuli branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3775-8714651470.
- 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 ESMF0001888
MICR & cheque-truncation details
Cheques drawn on the Majuli branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESMF0001888 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 Majuli 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 ESMF0001888 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.
Common mistakes to avoid when using IFSC ESMF0001888
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 – MAJULI, 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:
ESMF0001888. - 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 Majuli branch
The branch is located at SONARI ATI CHARIALI MAJULI P O, which puts it inside Majuli, the broader Majuli district, and the state of Assam. To plan your visit:
- Open Google Maps on your phone and search for “Esaf Small Finance Bank Limited Majuli branch” — the verified location pin for IFSC ESMF0001888 should appear at the top of the results.
- Confirm the branch is open by calling 3775-8714651470 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 ESMF0001888 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC ESMF0001888 for Esaf Small Finance Bank Limited – MAJULI, 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 Majuli 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 ESMF0001888 continue to work without interruption.
Branch address & contact
Esaf Small Finance Bank LimitedMajuli Branch
SONARI ATI CHARIALI MAJULI P O
Majuli, Assam
Phone: 3775-8714651470
IFSC: ESMF0001888
Frequently asked questions
Can I use IFSC ESMF0001888 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC ESMF0001888 to send funds instantly.
What is the IFSC code of Esaf Small Finance Bank Limited Majuli branch?
The IFSC code of Esaf Small Finance Bank Limited, Majuli branch is ESMF0001888. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC ESMF0001888 the same for all accounts at Majuli branch?
Yes. The IFSC ESMF0001888 is shared by every account held at Esaf Small Finance Bank Limited's Majuli branch. Only the account number changes from customer to customer.
What is the phone number of Esaf Small Finance Bank Limited Majuli branch?
You can reach the branch at 3775-8714651470 during regular banking hours.
How quickly will an NEFT transfer using ESMF0001888 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Esaf Small Finance Bank Limited – Majuli 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 Majuli branch but serve different purposes.
Where is Esaf Small Finance Bank Limited Majuli branch located?
Esaf Small Finance Bank Limited's Majuli branch is located at SONARI ATI CHARIALI MAJULI P O, Majuli, Assam.
Summary
The IFSC code ESMF0001888 belongs to Esaf Small Finance Bank Limited's MAJULI branch, located at SONARI ATI CHARIALI MAJULI P O in MAJULI, ASSAM. 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.
