IFSC Code of Esaf Small Finance Bank Limited, Haldia Branch, West Bengal

If you are searching for the IFSC code of Esaf Small Finance Bank Limited, HALDIA branch in PURBA MEDINIPUR, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is ESMF0001882. 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 HALDIA branch, and detailed step-by-step guides for using the IFSC ESMF0001882 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.

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 – HALDIA is ESMF0001882. The first four letters ESMF are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001882 map to this branch in PURBA MEDINIPUR, WEST BENGAL.

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 Haldia branch in Purba Medinipur, West Bengal is part of this network and uses the IFSC code ESMF0001882 for all electronic settlement.

Branch details at a glance

Haldia branch overview

Located at DURGACHAK COLONY DURGACHAK P O PURBA MEDINIPUR 721602, the Haldia branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESMF0001882 is required for all interbank electronic transfers routed through this branch.

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 HALDIA branch came to be assigned the code ESMF0001882.

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 ESMF0001882, money simply cannot be routed to the HALDIA branch electronically.

Account types you can open at the Haldia branch

Once you have an account at Esaf Small Finance Bank Limited – HALDIA, the IFSC ESMF0001882 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 Haldia branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3224-8129578111.

• 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 ESMF0001882

How to transfer money using IFSC ESMF0001882

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 ESMF0001882 across all three.

How to use IFSC ESMF0001882 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 HALDIA 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 ESMF0001882.
4. Confirm the bank name auto-populates as Esaf Small Finance Bank Limited and the branch as HALDIA.
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 ESMF0001882

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 – HALDIA, ensure your bank's portal accepts IFSC ESMF0001882 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Esaf Small Finance Bank Limited HALDIA (IFSC ESMF0001882)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001882 in your mobile or internet banking app, and the money is credited to the HALDIA branch account within seconds.

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

All three modes accept the IFSC ESMF0001882 for Esaf Small Finance Bank Limited – HALDIA, 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 Haldia 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 HALDIA branch, the IFSC ESMF0001882 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.

Digital banking channels

Most day-to-day work that customers used to do at the Haldia 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 ESMF0001882 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.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Esaf Small Finance Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC ESMF0001882 and the account number together uniquely identify the Haldia branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC ESMF0001882

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 – HALDIA, 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: ESMF0001882.
• 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 Haldia branch

The branch is located at DURGACHAK COLONY DURGACHAK P O PURBA MEDINIPUR 721602, which puts it inside Purba Medinipur, the broader Purba Medinipur district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Esaf Small Finance Bank Limited Haldia branch” — the verified location pin for IFSC ESMF0001882 should appear at the top of the results.
2. Confirm the branch is open by calling 3224-8129578111 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 ESMF0001882 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESMF0001882 for Esaf Small Finance Bank Limited – HALDIA, 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 Haldia 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 ESMF0001882 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESMF0001882 is the IFSC code of Esaf Small Finance Bank Limited, HALDIA branch, in PURBA MEDINIPUR, WEST BENGAL. 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.