Esaf Small Finance Bank
GURUGRAM BRANCH
+918714620231
Understanding IFSC Code: The Digital DNA of Esaf Small Finance Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the GURUGRAM
branch of Esaf Small Finance Bank, the code ESMF0001601 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the ESMF0001601 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"ESMF" represents Esaf Small Finance Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for GURUGRAM
Payment Systems Supported by ESMF0001601
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—110760006—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Esaf Small Finance Bank in GURUGRAM typically follows the RBI holiday calendar. Digital transfers via ESMF0001601 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While ESMF0001601 is the valid code for GURUGRAM at GURUGRAM, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
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Branch Context
- • GURUGRAM Contact
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Platform Links
- • Anand Design DevBox
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- • Webmaster Tools
- • IFSC Finder v2.0
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