IFSC Code ESMF0001885 - Esaf Small Finance Bank Limited Malda
PLOT NUMBER -6461 MANGALBARI OLD MALDA RD OLD MALDA MALDA DIST 732142 WEST BENGAL
Quick Info
IFSC: ESMF0001885
District: MALDA
Status: Active
About Esaf Small Finance Bank Limited Malda
IFSC Code ESMF0001885 belongs to Esaf Small Finance Bank Limited Malda branch located in Malda, Malda, West Bengal. This branch serves customers in Malda, Malda, West Bengal and surrounding areas.
Understanding IFSC Code ESMF0001885
The IFSC (Indian Financial System Code) ESMF0001885 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 (001885): Unique branch identifier for Malda
Electronic Fund Transfer Services
IFSC Code ESMF0001885 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 Malda branch is located at PLOT NUMBER -6461 MANGALBARI OLD MALDA RD OLD MALDA MALDA DIST 732142 WEST BENGAL in Malda, Malda, West Bengal. This location serves customers in Malda, Malda, West Bengal and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code ESMF0001885 to ensure the transaction is routed correctly.
How to Use IFSC Code ESMF0001885
When making online fund transfers to an account at this branch, you will need:
- IFSC Code: ESMF0001885 (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 Malda, Malda, West Bengal 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: | ESMF0001885 |
| Bank Name: | Esaf Small Finance Bank Limited |
| Branch Name: | Malda |
| Address: | PLOT NUMBER -6461 MANGALBARI OLD MALDA RD OLD MALDA MALDA DIST 732142 WEST BENGAL |
| City: | Malda |
| District: | Malda |
| State: | West Bengal |
Payment Services Available
Esaf Small Finance Bank Limited Malda Branch IFSC Code ESMF0001885 — Complete Banking Guide for Malda, West Bengal
IFSC code ESMF0001885 belongs to the Malda branch of Esaf Small Finance Bank Limited in Malda, Malda 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 ESMF0001885 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, Malda Branch
The Malda branch of Esaf Small Finance Bank Limited in Malda, West Bengal serves retail and corporate customers in Malda 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 ESMF0001885 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.
Payment Methods Using IFSC ESMF0001885
Four primary digital payment rails use IFSC ESMF0001885 for transfers to Esaf Small Finance Bank Limited, Malda: 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 ESMF0001885 against the RBI IFSC master list before processing the payment.
MICR Code and Branch Details
In addition to the IFSC, the Malda branch of Esaf Small Finance Bank Limited in Malda 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 ESMF0001885 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 ESMF0001885 Before Transferring
Before initiating any high-value transfer to IFSC ESMF0001885, 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 Malda, Malda IFSC
What is the IFSC of Esaf Small Finance Bank Limited Malda in Malda?
The IFSC of Esaf Small Finance Bank Limited, Malda branch in Malda, West Bengal is ESMF0001885. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.
What is the minimum amount for NEFT to IFSC ESMF0001885?
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 ESMF0001885 to route funds to Esaf Small Finance Bank Limited, Malda, Malda.
Who assigns IFSC codes like ESMF0001885?
The Reserve Bank of India (RBI) assigns all IFSC codes in India. Esaf Small Finance Bank Limited applied for the IFSC for its Malda branch in Malda, and RBI issued ESMF0001885 as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.
Can I use IFSC ESMF0001885 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 ESMF0001885 at Esaf Small Finance Bank Limited, Malda, Malda. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC ESMF0001885.
About IFSC Code ESMF0001885
IFSC Code ESMF0001885 belongs to Esaf Small Finance Bank Limited branch Malda located in Malda, Malda, West Bengal.
Branch Information
- IFSC Code: ESMF0001885
- Bank: Esaf Small Finance Bank Limited
- Branch: Malda
- Address: PLOT NUMBER -6461 MANGALBARI OLD MALDA RD OLD MALDA MALDA DIST 732142 WEST BENGAL
- City: Malda
- District: Malda
- State: West Bengal
Payment Services
- NEFT: Available
- RTGS: Available
- IMPS: Available
- UPI: Available