Esaf Small Finance Bank — RANIGANJ

BHARDHAMAN, BIHAR

IFSC Code

ESMF0001479

MICR Code

713760302

Branch

RANIGANJ

Bank

Esaf Small Finance Bank

District

RANIGANJ

State

BIHAR

Contact

+919288013349

Address

NO B 10,P N MALIA ROAD,DALPATTY MORE,RANIGANJ P O,PASCHIM BARDHAMAN,713347

Get Directions to This Branch

Using IFSC ESMF0001479 for money transfers

To move funds into an account held at RANIGANJ (Esaf Small Finance Bank) using NEFT, the sender's bank needs this branch's IFSC code — ESMF0001479. NEFT settles in batches throughout the day, so it's a good fit for transfers that don't need to land instantly.

RTGS is the go-to option when transferring large sums (₹2 lakh+) to RANIGANJ in BHARDHAMAN, since each transfer is settled individually and immediately rather than bundled with others.

Need money at Esaf Small Finance Bank, RANIGANJ right now? IMPS settles instantly, 24x7, including weekends and holidays — unlike NEFT/RTGS, which follow banking-hour batch or settlement windows.

NEFT & RTGS Timing — System Hours vs. Branch Hours

A distinction that matters if you're transferring to RANIGANJ: the RBI settlement system runs 24x7 for NEFT and RTGS, but that doesn't mean this specific branch is open around the clock. Online transfers process any time; in-person or cash-based requests still depend on the branch actually being open.

MethodSystem HoursIf Visiting RANIGANJ In Person
NEFT24x7x365, including weekends and holidays (RBI mandate since 16 Dec 2019)Online/net-banking NEFT processes any time. An in-branch, cash, or cheque-based NEFT request still depends on that branch's working hours.
RTGS24x7x365, including weekends and holidays (RBI mandate since 14 Dec 2020)Minimum transfer amount is ₹2 lakh. Same system-vs-branch-hours distinction as NEFT applies for in-person requests.
IMPS24x7x365 — always has been, no banking-hours restriction at the system level.Typically capped per transaction depending on your bank's own limits (often around ₹5 lakh).

Sending funds to this Esaf Small Finance Bank branch takes just a few steps:

  1. Log in to your bank's net banking portal or mobile banking app.
  2. Add a new beneficiary/payee, entering the recipient's full name and account number.
  3. Enter the IFSC code ESMF0001479 when prompted — this routes the transfer to RANIGANJ specifically.
  4. Most banks require a short cooling-off period (often a few hours) after adding a new beneficiary before the first transfer.
  5. Once the beneficiary is active, choose NEFT, RTGS, or IMPS based on the amount and how quickly you need it to arrive.
  6. Enter the amount, review the details (name, account number, IFSC), and confirm with your OTP/PIN.

Frequently asked questions

What is the IFSC code of the Esaf Small Finance Bank RANIGANJ branch?

The IFSC code for Esaf Small Finance Bank's RANIGANJ branch in BHARDHAMAN, RANIGANJ, BIHAR is ESMF0001479. This 11-character code is required for NEFT, RTGS, and IMPS transfers to any account held at this branch.

What is the MICR code of this branch?

The MICR code for this branch is 713760302. MICR codes are used for cheque clearing, while the IFSC code (ESMF0001479) is what's needed for electronic transfers like NEFT and RTGS.

Where is the RANIGANJ branch of Esaf Small Finance Bank located?

This branch is located at: NO B 10,P N MALIA ROAD,DALPATTY MORE,RANIGANJ P O,PASCHIM BARDHAMAN,713347. It falls under RANIGANJ district, BIHAR.

Can I use this IFSC code for both NEFT and RTGS transfers?

Yes — the same IFSC code (ESMF0001479) is used for NEFT, RTGS, and IMPS transfers to this branch. Which one you should pick depends on the amount and urgency, not the code itself: RTGS for ₹2 lakh+ needing near-instant settlement, NEFT for regular batch-processed transfers, and IMPS for smaller amounts that need to land in seconds.

Is there a phone number for this branch?

Yes, this branch's listed contact number is +919288013349.

Esaf Small Finance Bank in other districts of BIHAR

ARARIA (1)AURANGABAD BIHAR (1)BANKA (1)BEGUSARAI (1)BHAGALPUR (1)BIHAR (1)BOUNSI (1)DARBHANGA (1)

IFSC and MICR code data sourced from bank-published branch records. While we take care to keep this current, always confirm the IFSC code with your bank before making a large transfer — see our disclaimer for details.