IFSC Code of Esaf Small Finance Bank Limited, Shrirangapattana Branch, Karnataka

Use this page as a one-stop reference for everything related to Esaf Small Finance Bank Limited's SHRIRANGAPATTANA branch in SHRIRANGAPATTANA, KARNATAKA. The branch's IFSC code ESMF0001494 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.

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 SHRIRANGAPATTANA branch, the IFSC ESMF0001494 breaks down as follows: ESMF identifies the bank, 0 is the reserved character, and 001494 identifies this particular branch.

Branch details at a glance

About Esaf Small Finance Bank Limited

Esaf Small Finance Bank Limited operates a wide network of branches across India, including the Shrirangapattana branch in Shrirangapattana. 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, ESMF0001494.

Shrirangapattana branch overview

Located at DOOR NO 3,ARUNA COMPLEX,BABURAYANAKOPPALU,SHRIRANGAPATTANA P O,MANDYA,571438, the Shrirangapattana branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESMF0001494 is required for all interbank electronic transfers routed through this branch.

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 SHRIRANGAPATTANA of Esaf Small Finance Bank Limited — its own 11-character IFSC. The code ESMF0001494 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 ESMF0001494 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC ESMF0001494

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 ESMF0001494 across all three.

NEFT to Esaf Small Finance Bank Limited, SHRIRANGAPATTANA using IFSC ESMF0001494

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 ESMF0001494, and confirm that the system picks up Esaf Small Finance Bank Limited – SHRIRANGAPATTANA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC ESMF0001494

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 – SHRIRANGAPATTANA, ensure your bank's portal accepts IFSC ESMF0001494 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Esaf Small Finance Bank Limited SHRIRANGAPATTANA (IFSC ESMF0001494)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001494 in your mobile or internet banking app, and the money is credited to the SHRIRANGAPATTANA branch account within seconds.

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

All three modes accept the IFSC ESMF0001494 for Esaf Small Finance Bank Limited – SHRIRANGAPATTANA, 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 Shrirangapattana 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 ESMF0001494

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 – SHRIRANGAPATTANA is still mapped to IFSC ESMF0001494. 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 ESMF0001494 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Shrirangapattana branch is mapped to IFSC ESMF0001494 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 ESMF0001494.

Products and services

Customers walking into the Shrirangapattana 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 ESMF0001494

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 ESMF0001494 and the account number together uniquely identify the Shrirangapattana branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC ESMF0001494

Esaf Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SHRIRANGAPATTANA 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 ESMF0001494 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.

Common mistakes to avoid when using IFSC ESMF0001494

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 – SHRIRANGAPATTANA, 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: ESMF0001494.
• 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 Shrirangapattana branch sits at DOOR NO 3,ARUNA COMPLEX,BABURAYANAKOPPALU,SHRIRANGAPATTANA P O,MANDYA,571438. If you are travelling from outside Shrirangapattana, search for the branch on a maps application using the bank name and locality, or call 8232-8589003465 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 ESMF0001494 and your account number.

Verifying IFSC ESMF0001494 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 ESMF0001494 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8232-8589003465.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Shrirangapattana 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 ESMF0001494 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESMF0001494 is the IFSC code of Esaf Small Finance Bank Limited, SHRIRANGAPATTANA branch, in SHRIRANGAPATTANA, KARNATAKA. 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.