IFSC Code of Slice Small Finance Bank Limited, Barduar Tea Estate Branch, Assam

Use this page as a one-stop reference for everything related to Slice Small Finance Bank Limited's BARDUAR TEA ESTATE branch in GUWAHATI, ASSAM. The branch's IFSC code NESF0000196 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.

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, NESF0000196 is the IFSC of Slice Small Finance Bank Limited's BARDUAR TEA ESTATE branch. The format is fixed: NESF = bank code, 0 = reserved, 000196 = branch identifier.

About Slice Small Finance Bank Limited

Slice Small Finance Bank Limited operates a wide network of branches across India, including the Barduar Tea Estate branch in Guwahati. 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, NESF0000196.

About the Barduar Tea Estate branch

The Barduar Tea Estate branch of Slice Small Finance Bank Limited is situated at LOHARGHAT,P.O.LOHARGHAT,P.S.PALASBARI. 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 NESF0000196 is used.

Branch details at a glance

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 Slice Small Finance Bank Limited's BARDUAR TEA ESTATE branch came to be assigned the code NESF0000196.

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 NESF0000196, money simply cannot be routed to the BARDUAR TEA ESTATE branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Barduar Tea Estate branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC NESF0000196 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 NESF0000196

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 NESF0000196 across all three.

How to use IFSC NESF0000196 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Slice Small Finance Bank Limited's BARDUAR TEA ESTATE 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 NESF0000196.
4. Confirm the bank name auto-populates as Slice Small Finance Bank Limited and the branch as BARDUAR TEA ESTATE.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to BARDUAR TEA ESTATE

If you need to transfer ₹2 lakh or more in one go to an account at Slice Small Finance Bank Limited's BARDUAR TEA ESTATE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC NESF0000196 while initiating the transfer and the credit will appear within minutes.

IMPS to Slice Small Finance Bank Limited BARDUAR TEA ESTATE (IFSC NESF0000196)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NESF0000196 in your mobile or internet banking app, and the money is credited to the BARDUAR TEA ESTATE branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Barduar Tea Estate

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 NESF0000196:

• 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 BARDUAR TEA ESTATE is still linked to IFSC NESF0000196.

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 NESF0000196

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 Slice Small Finance Bank Limited – BARDUAR TEA ESTATE is still mapped to IFSC NESF0000196. 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 NESF0000196 and the beneficiary's account number to complete the transfer.

Account types you can open at the Barduar Tea Estate branch

Once you have an account at Slice Small Finance Bank Limited – BARDUAR TEA ESTATE, the IFSC NESF0000196 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 Barduar Tea Estate branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 NESF0000196

Online banking and IFSC NESF0000196

Slice Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BARDUAR TEA ESTATE 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 NESF0000196 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.

Reaching the branch

The Barduar Tea Estate branch sits at LOHARGHAT,P.O.LOHARGHAT,P.S.PALASBARI. If you are travelling from outside Guwahati, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 NESF0000196 and your account number.

Common mistakes to avoid when using IFSC NESF0000196

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 Slice Small Finance Bank Limited – BARDUAR TEA ESTATE, 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: NESF0000196.
• 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.

Working hours

Branch counters at Barduar Tea Estate 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 NESF0000196 continue to work without interruption.

Verifying IFSC NESF0000196 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 NESF0000196 by:

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

Branch address & contact

Frequently asked questions

Final notes

To recap: NESF0000196 is the IFSC code of Slice Small Finance Bank Limited, BARDUAR TEA ESTATE branch, in GUWAHATI, ASSAM. 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.