If you are searching for the IFSC code of Esaf Small Finance Bank Limited, SURAT branch in SURAT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is ESMF0001239. 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 SURAT branch, and detailed step-by-step guides for using the IFSC ESMF0001239 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, ESMF0001239 is the IFSC of Esaf Small Finance Bank Limited's SURAT branch. The format is fixed: ESMF = bank code, 0 = reserved, 001239 = branch identifier.
Branch details at a glance
| Bank Name | Esaf Small Finance Bank Limited |
|---|---|
| Branch | Surat |
| IFSC Code | ESMF0001239 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO C,21ST CENTURY BUSINESS CENTER,RING ROAD,SURAT,GUJARAT 395002 |
| City | Surat |
| District | Surat |
| State | Gujarat |
| STD Code | 261 |
| Phone | 7593804014 |
About Esaf Small Finance Bank Limited
Esaf Small Finance Bank Limited operates a wide network of branches across India, including the Surat branch in Surat. 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, ESMF0001239.
About the Surat branch
The Surat branch of Esaf Small Finance Bank Limited is situated at NO C,21ST CENTURY BUSINESS CENTER,RING ROAD,SURAT,GUJARAT 395002. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code ESMF0001239 is used.
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 SURAT of Esaf Small Finance Bank Limited — its own 11-character IFSC. The code ESMF0001239 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 ESMF0001239 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 ESMF0001239
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 ESMF0001239 across all three.
NEFT to Esaf Small Finance Bank Limited, SURAT using IFSC ESMF0001239
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 ESMF0001239, and confirm that the system picks up Esaf Small Finance Bank Limited – SURAT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SURAT
If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's SURAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001239 while initiating the transfer and the credit will appear within minutes.
IMPS to Esaf Small Finance Bank Limited SURAT (IFSC ESMF0001239)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001239 in your mobile or internet banking app, and the money is credited to the SURAT branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Surat
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC ESMF0001239:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at SURAT is still linked to IFSC ESMF0001239.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC ESMF0001239
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 – SURAT is still mapped to IFSC ESMF0001239. 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 ESMF0001239 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Surat branch is mapped to IFSC ESMF0001239 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 ESMF0001239.
Banking services available
The Surat branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-7593804014.
- 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 ESMF0001239
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 ESMF0001239 and the account number together uniquely identify the Surat branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC ESMF0001239
Esaf Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SURAT 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 ESMF0001239 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.
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 – SURAT:
- The IFSC is exactly ESMF0001239 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 SURAT 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.
Reaching the branch
The Surat branch sits at NO C,21ST CENTURY BUSINESS CENTER,RING ROAD,SURAT,GUJARAT 395002. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-7593804014 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 ESMF0001239 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC ESMF0001239 for Esaf Small Finance Bank Limited – SURAT, 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 Surat branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESMF0001239, however, work 24x7.
Branch address & contact
Esaf Small Finance Bank LimitedSurat Branch
NO C,21ST CENTURY BUSINESS CENTER,RING ROAD,SURAT,GUJARAT 395002
Surat, Gujarat
Phone: 261-7593804014
IFSC: ESMF0001239
Frequently asked questions
Can I use IFSC ESMF0001239 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC ESMF0001239 to send funds instantly.
What is the phone number of Esaf Small Finance Bank Limited Surat branch?
You can reach the branch at 261-7593804014 during regular banking hours.
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 Surat branch but serve different purposes.
How do I add Esaf Small Finance Bank Limited Surat as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC ESMF0001239, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Esaf Small Finance Bank Limited Surat branch?
The IFSC code of Esaf Small Finance Bank Limited, Surat branch is ESMF0001239. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using ESMF0001239 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Esaf Small Finance Bank Limited – Surat reflect within 30 minutes.
Is IFSC ESMF0001239 the same for all accounts at Surat branch?
Yes. The IFSC ESMF0001239 is shared by every account held at Esaf Small Finance Bank Limited's Surat branch. Only the account number changes from customer to customer.
Summary
The IFSC code ESMF0001239 belongs to Esaf Small Finance Bank Limited's SURAT branch, located at NO C,21ST CENTURY BUSINESS CENTER,RING ROAD,SURAT,GUJARAT 395002 in SURAT, GUJARAT. 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.
