Use this page as a one-stop reference for everything related to Slice Small Finance Bank Limited's HOWRAGHAT branch in HOWRAGHAT, ASSAM. The branch's IFSC code NESF0000205 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 Slice Small Finance Bank Limited's HOWRAGHAT branch, the IFSC NESF0000205 breaks down as follows: NESF identifies the bank, 0 is the reserved character, and 000205 identifies this particular branch.
About the bank
Slice Small Finance Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Howraghat branch in Howraghat, Assam is part of this network and uses the IFSC code NESF0000205 for all electronic settlement.
Branch details at a glance
| Bank Name | Slice Small Finance Bank Limited |
|---|---|
| Branch | Howraghat |
| IFSC Code | NESF0000205 |
| MICR Code | Refer to cheque leaf |
| Branch Address | WARD NO 1,HOWRAGHAT,NEAR HOWRAGHAT POLICE STATION,P.O. HOWRAGHAT,P.S - HOWRAGHAT,DIST-KARBI ANGLONG, ASSAM,PIN-782481 |
| City | Howraghat |
| District | Karbi Anglong |
| State | Assam |
About the Howraghat branch
The Howraghat branch of Slice Small Finance Bank Limited is situated at WARD NO 1,HOWRAGHAT,NEAR HOWRAGHAT POLICE STATION,P.O. HOWRAGHAT,P.S - HOWRAGHAT,DIST-KARBI ANGLONG, ASSAM,PIN-782481. 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 NESF0000205 is used.
Why every Slice 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 HOWRAGHAT of Slice Small Finance Bank Limited — its own 11-character IFSC. The code NESF0000205 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 NESF0000205 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Howraghat branch is mapped to IFSC NESF0000205 on the RBI payments network. The branch generally supports the full retail product catalogue of Slice 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 NESF0000205.
Banking services available
The Howraghat 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 NESF0000205
How to transfer money using IFSC NESF0000205
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 NESF0000205 across all three.
How to use IFSC NESF0000205 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 HOWRAGHAT 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC NESF0000205.
- Confirm the bank name auto-populates as Slice Small Finance Bank Limited and the branch as HOWRAGHAT.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC NESF0000205
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 Slice Small Finance Bank Limited – HOWRAGHAT, ensure your bank's portal accepts IFSC NESF0000205 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Slice Small Finance Bank Limited – HOWRAGHAT, use IMPS. With IFSC NESF0000205 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC NESF0000205 for Slice Small Finance Bank Limited – HOWRAGHAT, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – NESF0000205 | Yes – NESF0000205 | Yes – NESF0000205 |
For most retail customers crediting the Howraghat 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 NESF0000205
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 – HOWRAGHAT is still mapped to IFSC NESF0000205. 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 NESF0000205 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Howraghat 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 NESF0000205 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 & cheque-truncation details
Cheques drawn on the Howraghat branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC NESF0000205 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC NESF0000205
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 – HOWRAGHAT, 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:
NESF0000205. - 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 Howraghat branch
The branch is located at WARD NO 1,HOWRAGHAT,NEAR HOWRAGHAT POLICE STATION,P.O. HOWRAGHAT,P.S - HOWRAGHAT,DIST-KARBI ANGLONG, ASSAM,PIN-782481, which puts it inside Howraghat, the broader Karbi Anglong district, and the state of Assam. To plan your visit:
- Open Google Maps on your phone and search for “Slice Small Finance Bank Limited Howraghat branch” — the verified location pin for IFSC NESF0000205 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
- 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 NESF0000205 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC NESF0000205 for Slice Small Finance Bank Limited – HOWRAGHAT, 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 Howraghat 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 NESF0000205 continue to work without interruption.
Branch address & contact
Slice Small Finance Bank LimitedHowraghat Branch
WARD NO 1,HOWRAGHAT,NEAR HOWRAGHAT POLICE STATION,P.O. HOWRAGHAT,P.S - HOWRAGHAT,DIST-KARBI ANGLONG, ASSAM,PIN-782481
Howraghat, Assam
Phone: the branch contact number
IFSC: NESF0000205
Frequently asked questions
Where is Slice Small Finance Bank Limited Howraghat branch located?
Slice Small Finance Bank Limited's Howraghat branch is located at WARD NO 1,HOWRAGHAT,NEAR HOWRAGHAT POLICE STATION,P.O. HOWRAGHAT,P.S - HOWRAGHAT,DIST-KARBI ANGLONG, ASSAM,PIN-782481, Howraghat, Assam.
Is IFSC NESF0000205 the same for all accounts at Howraghat branch?
Yes. The IFSC NESF0000205 is shared by every account held at Slice Small Finance Bank Limited's Howraghat branch. Only the account number changes from customer to customer.
Does Slice Small Finance Bank Limited Howraghat branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
How quickly will an NEFT transfer using NESF0000205 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Slice Small Finance Bank Limited – Howraghat reflect within 30 minutes.
What is the IFSC code of Slice Small Finance Bank Limited Howraghat branch?
The IFSC code of Slice Small Finance Bank Limited, Howraghat branch is NESF0000205. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC NESF0000205 valid for NEFT and RTGS?
Yes. IFSC NESF0000205 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC NESF0000205 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC NESF0000205 to send funds instantly.
Final notes
To recap: NESF0000205 is the IFSC code of Slice Small Finance Bank Limited, HOWRAGHAT branch, in HOWRAGHAT, 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.
