IFSC Code of Esaf Small Finance Bank Limited, Mumbai Ghatkopar Branch, Maharashtra

Below are the complete branch details for Esaf Small Finance Bank Limited, MUMBAI GHATKOPAR branch, located in MUMBAI GHATKOPAR, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is ESMF0001612. 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 ESMF0001612 for Esaf Small Finance Bank Limited – MUMBAI GHATKOPAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Esaf Small Finance Bank Limited – MUMBAI GHATKOPAR is ESMF0001612. The first four letters ESMF are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001612 map to this branch in MUMBAI GHATKOPAR, MAHARASHTRA.

About the bank

Esaf Small Finance Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Mumbai Ghatkopar branch in Mumbai Ghatkopar, Maharashtra is part of this network and uses the IFSC code ESMF0001612 for all electronic settlement.

About this branch

The branch is located at SHOP NO 1, VESTA, DEEP LAKSHMI SOCIETY, 90 FEET ROAD, PANT NAGAR P O, GHATKOPAR, MUMBAI 400075. It serves the Mumbai Ghatkopar 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 ESMF0001612 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 MUMBAI GHATKOPAR of Esaf Small Finance Bank Limited — its own 11-character IFSC. The code ESMF0001612 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 ESMF0001612 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Mumbai Ghatkopar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESMF0001612 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC ESMF0001612

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 ESMF0001612 across all three.

NEFT to Esaf Small Finance Bank Limited, MUMBAI GHATKOPAR using IFSC ESMF0001612

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 ESMF0001612, and confirm that the system picks up Esaf Small Finance Bank Limited – MUMBAI GHATKOPAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC ESMF0001612

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 – MUMBAI GHATKOPAR, ensure your bank's portal accepts IFSC ESMF0001612 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Esaf Small Finance Bank Limited MUMBAI GHATKOPAR (IFSC ESMF0001612)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001612 in your mobile or internet banking app, and the money is credited to the MUMBAI GHATKOPAR branch account within seconds.

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

All three modes accept the IFSC ESMF0001612 for Esaf Small Finance Bank Limited – MUMBAI GHATKOPAR, 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 Mumbai Ghatkopar 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 ESMF0001612

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 – MUMBAI GHATKOPAR is still mapped to IFSC ESMF0001612. 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 ESMF0001612 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Mumbai Ghatkopar branch is mapped to IFSC ESMF0001612 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 ESMF0001612.

Products and services

Customers walking into the Mumbai Ghatkopar 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 ESMF0001612

Online banking and IFSC ESMF0001612

Esaf Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the MUMBAI GHATKOPAR 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 ESMF0001612 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.

How to reach the Mumbai Ghatkopar branch

The branch is located at SHOP NO 1, VESTA, DEEP LAKSHMI SOCIETY, 90 FEET ROAD, PANT NAGAR P O, GHATKOPAR, MUMBAI 400075, which puts it inside Mumbai Ghatkopar, the broader Mumbai Sub Urban district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Esaf Small Finance Bank Limited Mumbai Ghatkopar branch” — the verified location pin for IFSC ESMF0001612 should appear at the top of the results.
2. Confirm the branch is open by calling 22-9288093224 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 ESMF0001612 and your account number.

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 – MUMBAI GHATKOPAR:

• The IFSC is exactly ESMF0001612 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 MUMBAI GHATKOPAR 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.

Working hours

Branch counters at Mumbai Ghatkopar 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 ESMF0001612 continue to work without interruption.

Verifying IFSC ESMF0001612 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 ESMF0001612 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-9288093224.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESMF0001612 is the IFSC code of Esaf Small Finance Bank Limited, MUMBAI GHATKOPAR branch, in MUMBAI GHATKOPAR, MAHARASHTRA. 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.