IFSC Code ESMF0001343 - Esaf Small Finance Bank Limited Bounsi
MANORAMA COMPLEX THANA ROAD BOUNSI BANKA BIHAR 813104
Quick Info
IFSC: ESMF0001343
Pincode: 813104
District: Banka
Status: Active
About Esaf Small Finance Bank Limited Bounsi
IFSC Code ESMF0001343 belongs to Esaf Small Finance Bank Limited Bounsi branch located in Bounsi, Banka, Bihar. This branch serves customers in Bounsi, Banka, Bihar and surrounding areas.
Understanding IFSC Code ESMF0001343
The IFSC (Indian Financial System Code) ESMF0001343 is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify this specific bank branch. The code structure follows a specific format:
- First 4 characters (ESMF): Bank code identifying Esaf Small Finance Bank Limited
- 5th character (0): Reserved for future use (always 0)
- Last 6 characters (001343): Unique branch identifier for Bounsi
Electronic Fund Transfer Services
IFSC Code ESMF0001343 is essential for all electronic fund transfers in India. This code ensures that money transfers are routed to the correct bank branch. The following payment systems use IFSC codes:
NEFT (National Electronic Funds Transfer)
Batch processing system for fund transfers. Available Yes at this branch.
Processing: Multiple batches daily, typically settles within 2 hours during banking hours.
RTGS (Real Time Gross Settlement)
Real-time fund transfer for high-value transactions (minimum ₹2 lakh). Available Yes at this branch.
Processing: Real-time settlement, typically within minutes during RTGS hours.
IMPS (Immediate Payment Service)
24/7 instant fund transfer service via mobile or internet banking. Available Yes at this branch.
Processing: Instant transfer, available 24/7 including holidays.
UPI (Unified Payments Interface)
Instant mobile payment system using UPI ID or QR code. Available Yes at this branch.
Processing: Instant transfer, available 24/7, no IFSC code needed for UPI transactions.
Branch Location and Accessibility
The Esaf Small Finance Bank Limited Bounsi branch is located at MANORAMA COMPLEX THANA ROAD BOUNSI BANKA BIHAR 813104 (Pincode: 813104) in Bounsi, Banka, Bihar. This location serves customers in Bounsi, Banka, Bihar and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code ESMF0001343 to ensure the transaction is routed correctly.
How to Use IFSC Code ESMF0001343
When making online fund transfers to an account at this branch, you will need:
- IFSC Code: ESMF0001343 (for NEFT, RTGS, IMPS)
- Account Number: The recipient's account number
- Account Holder Name: As registered with the bank
Finding Other Esaf Small Finance Bank Limited Branches
If you're looking for other Esaf Small Finance Bank Limited branches in Bounsi, Banka, Bihar or nearby areas, use our Esaf Small Finance Bank Limited branch finder. You can search by city, district, or state to find all Esaf Small Finance Bank Limited branches with their respective IFSC codes.
Branch Details
| IFSC Code: | ESMF0001343 |
| Bank Name: | Esaf Small Finance Bank Limited |
| Branch Name: | Bounsi |
| Address: | MANORAMA COMPLEX THANA ROAD BOUNSI BANKA BIHAR 813104 |
| City: | Bounsi |
| District: | Banka |
| State: | Bihar |
| Pincode: | 813104 |
Payment Services Available
Esaf Small Finance Bank Limited Bounsi Branch IFSC Code ESMF0001343 — Complete Banking Guide for Bounsi, Bihar
IFSC code ESMF0001343 belongs to the Bounsi branch of Esaf Small Finance Bank Limited in Bounsi, Banka district, Bihar. 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 ESMF0001343 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, Bounsi Branch
The Bounsi branch of Esaf Small Finance Bank Limited in Bounsi, Bihar serves retail and corporate customers in Banka 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 ESMF0001343 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.
Payment Methods Using IFSC ESMF0001343
Four primary digital payment rails use IFSC ESMF0001343 for transfers to Esaf Small Finance Bank Limited, Bounsi: 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 ESMF0001343 against the RBI IFSC master list before processing the payment.
MICR Code and Branch Details
In addition to the IFSC, the Bounsi branch of Esaf Small Finance Bank Limited in Bounsi 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 ESMF0001343 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 ESMF0001343 Before Transferring
Before initiating any high-value transfer to IFSC ESMF0001343, 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.
FAQs — Esaf Small Finance Bank Limited Bounsi, Bounsi IFSC
What is the IFSC of Esaf Small Finance Bank Limited Bounsi in Bounsi?
The IFSC of Esaf Small Finance Bank Limited, Bounsi branch in Bounsi, Bihar is ESMF0001343. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.
What is the minimum amount for NEFT to IFSC ESMF0001343?
There is no minimum amount for NEFT transfers. You can send as little as ₹1. RTGS requires a minimum of ₹2 lakh. IMPS supports up to ₹5 lakh per transaction. All three use IFSC ESMF0001343 to route funds to Esaf Small Finance Bank Limited, Bounsi, Bounsi.
Who assigns IFSC codes like ESMF0001343?
The Reserve Bank of India (RBI) assigns all IFSC codes in India. Esaf Small Finance Bank Limited applied for the IFSC for its Bounsi branch in Bounsi, and RBI issued ESMF0001343 as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.
Can I use IFSC ESMF0001343 for UPI payments?
UPI payments are linked to a Virtual Payment Address (VPA) rather than an IFSC directly, but the underlying account is mapped to IFSC ESMF0001343 at Esaf Small Finance Bank Limited, Bounsi, Bounsi. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC ESMF0001343.
About IFSC Code ESMF0001343
IFSC Code ESMF0001343 belongs to Esaf Small Finance Bank Limited branch Bounsi located in Bounsi, Banka, Bihar.
Branch Information
- IFSC Code: ESMF0001343
- Bank: Esaf Small Finance Bank Limited
- Branch: Bounsi
- Address: MANORAMA COMPLEX THANA ROAD BOUNSI BANKA BIHAR 813104
- City: Bounsi
- District: Banka
- State: Bihar
- Pincode: 813104
Payment Services
- NEFT: Available
- RTGS: Available
- IMPS: Available
- UPI: Available