ESMF0001239 — Esaf Small Finance Bank, Surat
ESMF0001239 is the IFSC code of Esaf Small Finance Bank, Surat branch, Surat, Gujarat. MICR 395760002. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | ESMF0001239 |
|---|---|
| Bank | Esaf Small Finance Bank |
| Branch | Surat |
| Address | NO C,21ST CENTURY BUSINESS CENTER,RING ROAD,SURAT,GUJARAT 395002 |
| City | Surat |
| District | Surat |
| State | Gujarat |
| MICR code | 395760002 |
| SWIFT code | — |
| Phone | +917593804014 |
| NEFT | Yes |
| RTGS | Yes |
| IMPS | Yes |
| UPI | No |
Source: Reserve Bank of India IFSC/MICR list, as compiled by the open-source Razorpay IFSC dataset (MIT licence), updated 08 Nov 2026. Always confirm the IFSC with your bank before sending money.
How to read IFSC ESMF0001239
| Part | Meaning |
|---|---|
| ESMF | Bank code – Esaf Small Finance Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 001239 | Branch code – Surat, Surat |
The MICR code 395760002 is printed at the bottom of cheques from this branch: 395 is the city code, 760 the bank code and 002 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Esaf Small Finance Bank, Surat
Payments this branch can receive using IFSC ESMF0001239:
- NEFT – available 24×7, all days; RBI sets no minimum or maximum amount (your bank may set its own limit).
- RTGS – for ₹2 lakh and above, settled in real time, 24×7.
- IMPS – instant transfer 24×7, usually up to ₹5 lakh per transaction.
To pay someone here you need their account number, the account holder’s name and the IFSC ESMF0001239.
Questions about IFSC ESMF0001239
What is the IFSC code of Esaf Small Finance Bank, Surat branch?
The IFSC code of Esaf Small Finance Bank, Surat branch (Surat, Gujarat) is ESMF0001239.
What is the MICR code of Esaf Small Finance Bank, Surat?
The MICR code of this branch is 395760002.
Where is Esaf Small Finance Bank, Surat branch located?
The branch address is NO C,21ST CENTURY BUSINESS CENTER,RING ROAD,SURAT,GUJARAT 395002 (Gujarat).
Does ESMF0001239 support RTGS and NEFT?
NEFT: yes. RTGS: yes. IMPS: yes (as per the RBI list in our records).
Income tax refund not received?
A refund fails when the bank account on the income tax portal is not pre-validated or the IFSC has changed after a bank merger. We fix the account, raise a refund re-issue request and follow up — online, anywhere in India.