IFSC Code ESMF0001242 - Esaf Small Finance Bank Limited Kolkata Garia Rathtalla

Esaf Small Finance Bank Limited Kolkata Garia Rathtalla Branch IFSC Code ESMF0001242 — Complete Banking Guide for Kolkata, West Bengal

IFSC code ESMF0001242 belongs to the Kolkata Garia Rathtalla branch of Esaf Small Finance Bank Limited in Kolkata, Kolkata district, West Bengal. This 11-character code, assigned by the Reserve Bank of India, is mandatory for all digital fund transfers — NEFT, RTGS, IMPS, and UPI. Every payment initiated to an account at this branch must include IFSC ESMF0001242 to ensure accurate routing through India's centralised payment infrastructure. Providing an incorrect IFSC may delay or fail the transaction, so always verify the code before confirming any transfer.

About Esaf Small Finance Bank Limited, Kolkata Garia Rathtalla Branch

The Kolkata Garia Rathtalla branch of Esaf Small Finance Bank Limited in Kolkata, West Bengal serves retail and corporate customers in Kolkata district with a full range of banking products. Services typically include savings and current accounts, fixed and recurring deposits, personal and home loans, vehicle finance, trade finance, locker facilities, and wealth management. The branch also supports digital banking — internet banking, mobile banking, UPI, and contactless debit/credit card issuance. Its IFSC ESMF0001242 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.

Payment Methods Using IFSC ESMF0001242

Four primary digital payment rails use IFSC ESMF0001242 for transfers to Esaf Small Finance Bank Limited, Kolkata Garia Rathtalla: NEFT — batch-based, 48 half-hourly settlements daily, no minimum amount, ideal for regular transfers; RTGS — real-time, 24×7, minimum ₹2 lakh, used for high-value transactions; IMPS — instant, 24×7, up to ₹5 lakh, best for urgent transfers; UPI — uses Virtual Payment Address (VPA) linked to accounts at this branch, instant and zero-cost for most transactions. For each method, the sender's bank verifies IFSC ESMF0001242 against the RBI IFSC master list before processing the payment.

MICR Code and Branch Details

In addition to the IFSC, the Kolkata Garia Rathtalla branch of Esaf Small Finance Bank Limited in Kolkata carries a MICR (Magnetic Ink Character Recognition) code — a 9-digit number printed on cheques that identifies the bank, city, and branch for cheque clearing through the MICR-based clearing system. While NEFT/RTGS/IMPS use the IFSC ESMF0001242 exclusively for electronic transfers, MICR remains relevant for paper-based cheque processing. Both codes are listed on this page for complete branch reference.

How to Verify IFSC ESMF0001242 Before Transferring

Before initiating any high-value transfer to IFSC ESMF0001242, verify the code through: (1) the RBI's official IFSC repository at rbi.org.in; (2) Esaf Small Finance Bank Limited's official website branch locator; (3) MahaFind's IFSC lookup — the page you are currently viewing. Cross-reference the branch address and bank name displayed here against the details provided by your recipient to confirm accuracy. A mismatch in even one character of the IFSC can reroute your transfer to a different branch entirely.