Use this page as a one-stop reference for everything related to Slice Small Finance Bank Limited's PHULONI branch in PHULONI, ASSAM. The branch's IFSC code NESF0000182 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, NESF0000182 is the IFSC of Slice Small Finance Bank Limited's PHULONI branch. The format is fixed: NESF = bank code, 0 = reserved, 000182 = branch identifier.
Branch details at a glance
| Bank Name | Slice Small Finance Bank Limited |
|---|---|
| Branch | Phuloni |
| IFSC Code | NESF0000182 |
| MICR Code | Refer to cheque leaf |
| Branch Address | K.B ROAD,NO.1 PHULANI CHARIALI,P.O-KARKICHUK,P.S-JENGRAI MUKH,DIST-MAJULI,ASSAM,PIN-785105 |
| City | Phuloni |
| District | Majuli |
| State | Assam |
Bank profile
Slice Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Phuloni branch — IFSC NESF0000182 — extends the bank's services to customers in and around Phuloni, Assam.
About this branch
The branch is located at K.B ROAD,NO.1 PHULANI CHARIALI,P.O-KARKICHUK,P.S-JENGRAI MUKH,DIST-MAJULI,ASSAM,PIN-785105. It serves the Phuloni region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Slice Small Finance Bank Limited. The IFSC NESF0000182 is used to identify this branch on the RBI payments network.
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 PHULONI of Slice Small Finance Bank Limited — its own 11-character IFSC. The code NESF0000182 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 NESF0000182 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 NESF0000182
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 NESF0000182 across all three.
NEFT to Slice Small Finance Bank Limited, PHULONI using IFSC NESF0000182
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 NESF0000182, and confirm that the system picks up Slice Small Finance Bank Limited – PHULONI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC NESF0000182
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 – PHULONI, ensure your bank's portal accepts IFSC NESF0000182 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 – PHULONI, use IMPS. With IFSC NESF0000182 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Phuloni
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 NESF0000182:
- 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 PHULONI is still linked to IFSC NESF0000182.
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 NESF0000182
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 – PHULONI is still mapped to IFSC NESF0000182. 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 NESF0000182 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Phuloni branch is mapped to IFSC NESF0000182 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 NESF0000182.
Products and services
Customers walking into the Phuloni branch can access most of Slice 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 NESF0000182
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Slice 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 NESF0000182 and the account number together uniquely identify the Phuloni branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC NESF0000182
Slice Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the PHULONI 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 NESF0000182 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 NESF0000182
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 – PHULONI, 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:
NESF0000182. - 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 Phuloni branch sits at K.B ROAD,NO.1 PHULANI CHARIALI,P.O-KARKICHUK,P.S-JENGRAI MUKH,DIST-MAJULI,ASSAM,PIN-785105. If you are travelling from outside Phuloni, 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 NESF0000182 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC NESF0000182 for Slice Small Finance Bank Limited – PHULONI, 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 Phuloni 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 NESF0000182 continue to work without interruption.
Branch address & contact
Slice Small Finance Bank LimitedPhuloni Branch
K.B ROAD,NO.1 PHULANI CHARIALI,P.O-KARKICHUK,P.S-JENGRAI MUKH,DIST-MAJULI,ASSAM,PIN-785105
Phuloni, Assam
Phone: the branch contact number
IFSC: NESF0000182
Frequently asked questions
Does Slice Small Finance Bank Limited Phuloni branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Where is Slice Small Finance Bank Limited Phuloni branch located?
Slice Small Finance Bank Limited's Phuloni branch is located at K.B ROAD,NO.1 PHULANI CHARIALI,P.O-KARKICHUK,P.S-JENGRAI MUKH,DIST-MAJULI,ASSAM,PIN-785105, Phuloni, Assam.
Is IFSC NESF0000182 the same for all accounts at Phuloni branch?
Yes. The IFSC NESF0000182 is shared by every account held at Slice Small Finance Bank Limited's Phuloni branch. Only the account number changes from customer to customer.
How do I add Slice Small Finance Bank Limited Phuloni as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC NESF0000182, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Slice Small Finance Bank Limited Phuloni branch?
The IFSC code of Slice Small Finance Bank Limited, Phuloni branch is NESF0000182. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Phuloni branch but serve different purposes.
What is the phone number of Slice Small Finance Bank Limited Phuloni branch?
You can reach the branch at the branch contact number during regular banking hours.
Summary
The IFSC code NESF0000182 belongs to Slice Small Finance Bank Limited's PHULONI branch, located at K.B ROAD,NO.1 PHULANI CHARIALI,P.O-KARKICHUK,P.S-JENGRAI… in PHULONI, ASSAM. 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.
