ESAF Small Finance Bank - Personal Banking, NRI Banking, Micro-Banking Services
Due to financial year end activities, there may be intermittent disruptions/delay to NEFT/RTGS Transactions and payments via online channels on 31st March 2026 and 01st April 2026. Inconvenience caused if any is deeply regretted.|Due to Financial year-end activities, there may be intermittent disruptions to fund transfers and payments via online channels, on 01st April 2026. Inconvenience caused, if any, is deeply regretted.|Dear Customer, We have updated our Credit Card portal URL. Please use the new link going forward: https://creditcards.esaf.bank.in - ESAF Bank|As per NPCI guidelines, the RuPay Platinum Debit Lounge Program will be discontinued with effect from 1st April 2026. For more details, kindly contact your branch.
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Internet Banking FAQ


Published On: December 24, 2016

[esaf-accordion] [esaf-accordion-item title="I am a first-time user. How do I login?"] Visit https://www.esaf.bank.in/ and follow the below steps. [/esaf-accordion-item] [esaf-accordion-item title="I do not have an internet banking User ID, how can I obtain one?"] You can self-generate your user ID Visit https://www.esaf.bank.in/ and follow the below steps. [/esaf-accordion-item] [esaf-accordion-item title="I have forgotten my Internet Banking user ID. What do I do?"] Visit https://www.esaf.bank.in/ and follow the below steps. [/esaf-accordion-item] [esaf-accordion-item title="I have forgotten my Internet Banking user password. What do I do?"] Visit https://www.esaf.bank.in/ and follow the below steps. [/esaf-accordion-item] [esaf-accordion-item title="When do I need to change the internet banking password?"] For security reasons, ESAF SFB advises you to change your password at regular intervals. [/esaf-accordion-item] [esaf-accordion-item title="Does the internet banking user ID expire?"] No. But it is advisable to log in periodically to check account level activity. [/esaf-accordion-item] [esaf-accordion-item title="Are my internet banking user Id and passwords case sensitive?"] Your ESAF SFB internet banking credentials such as passwords are case sensitive but your User ID is not case sensitive. [/esaf-accordion-item] [esaf-accordion-item title="How many attempts can be made for entering my internet banking passwords?"] You can make a maximum of 3 attempts for log in. On failure of the attempts, the User ID gets locked. [/esaf-accordion-item] [esaf-accordion-item title="I am not able to change my internet banking password, the system gives error message when password is entered, what can be done?"] There is possibility of the password not confirming to the defined password policy of ESAF SFB. Please click the link “Link to password policy” to understand the password policy. [/esaf-accordion-item] [esaf-accordion-item title="Is internet banking service chargeable?"] There are no additional charges for accessing various services by Internet Banking. [/esaf-accordion-item] [esaf-accordion-item title="Is there any charge for physical account statement request placed via Internet Banking?"] There are no charges for the services as of now. However, there is periodic updation of the schedule of charges for various services For more information, regularly visit the schedule of charges section in the website. Please click on the link “Schedule of charges”. [/esaf-accordion-item] [esaf-accordion-item title="Are there any charges for statement subscription?"] There are no charges applicable for e-statements. We at ESAF SFB urge our esteemed customers to opt for green practices for various banking services. [/esaf-accordion-item] [esaf-accordion-item title="What are the fund transfer facilities available in Internet Banking?"] You can transfer funds to your own account and third-party accounts using IMPS/NEFT/RTGS services. Transfers within ESAF SFB are instant and beneficiary account gets credited real time. Fund transfer using IMPS facility to third party, other bank accounts are also real time. Fund transfer using NEFT/RTGS facility to third party, other bank accounts are according to settlement cycle and timeline defined by RBI and NPCI. [/esaf-accordion-item] [esaf-accordion-item title="What are the charges for RTGS?"] Please click on the link “Schedule of charges”. https://www.esaf.bank.in/schedule-of-charges/ [esaf-accordion-item title="What are the Charges for NEFT?"] Please click on the link “Schedule of charges”. https://www.esaf.bank.in/schedule-of-charges/ [/esaf-accordion-item] [esaf-accordion-item title="What is the cut off time for NEFT?"] The NEFT operating hours are round the clock for 24 Hours . [/esaf-accordion-item] [esaf-accordion-item title="What is the cut off time for RTGS?"] The RTGS operating hours round the clock for 24 Hours. [/esaf-accordion-item] [esaf-accordion-item title="Is there any facility through which I can do fund transfer at any time of the day?"] ESAF SFB provided IMPS/NEFT/RTGS facility for the Internet Banking customer which can be utilized for transferring funds 24x7 to account of another bank beneficiary. [/esaf-accordion-item] [esaf-accordion-item title="How do I register a beneficiary with ESAF SFB account for fund transfer?"] Login to Internet Banking Choose ‘Add Beneficiary within Bank’ option Fill in the account number and name of the beneficiary as per the account An OTP will be sent to your registered mobile number with ESAF SFB. The same needs to be provided for beneficiary confirmation. Fund transfer can be initiated to the newly added beneficiary (within bank, IMPS, NEFT, RTGS) after the cooling period of 1 hour, followed by a transaction limit of Rs. 25000 for the next 24 hours after the beneficiary is added. [/esaf-accordion-item] [esaf-accordion-item title="How do I register a beneficiary from other bank for NEFT transfer?"] Login to Internet Banking Choose ‘Add Third-Party Beneficiary from other Bank’ option Fill in the account number, IFSC code and name of the beneficiary as per the account An OTP will be sent to your registered mobile number with ESAF SFB. The same needs to be provided for beneficiary confirmation. Fund transfer can then be initiated to the registered beneficiary after the cooling off period which is 4 hours.. [/esaf-accordion-item] [esaf-accordion-item title="How do I register a beneficiary from other bank for IMPS transfer?"] For IMPS transfer using Person to Account (P2A) method, the beneficiary addition process is the same as NEFT transfer. Login to Internet Banking Choose ‘Add Third-Party Beneficiary from other Bank’ option Fill in the account number, IFSC code and name of the beneficiary as per the account An OTP will be sent to your registered mobile number with ESAF SFB. The same needs to be provided for beneficiary confirmation. Fund transfer can then be initiated to the registered beneficiary after the cooling off period which is 4 Hours.. The beneficiaries already added for NEFT Transfer will also be available for IMPS transfer and Vice versa. [/esaf-accordion-item] [esaf-accordion-item title="How do I register a beneficiary from other bank for RTGS transfer?"] For RTGS transfer, the beneficiary addition process is the same as NEFT transfer. Choose ‘Add Third-Party Beneficiary from other Bank’ option Fill in the account number, IFSC code and name of the beneficiary as per the account An OTP will be sent to your registered mobile number with ESAF SFB. The same needs to be provided for beneficiary confirmation. Fund transfer can then be initiated to the registered beneficiary after the cooling off period. The beneficiaries already added for NEFT Transfer will also be available for RTGS transfer and Vice versa. [/esaf-accordion-item] [esaf-accordion-item title="After adding Payee/Beneficiary, is there any cooling period for making NEFT/RTGS/IMPS transaction?"] Yes, Fund transfer can be initiated to the newly added beneficiary (within bank, IMPS, NEFT, RTGS) after the cooling period of 1 hour, followed by a transaction limit of Rs. 25000 for the next 24 hours after the beneficiary is added/modified. [/esaf-accordion-item] [esaf-accordion-item title="Can I schedule a payment for a future date?"] Yes, you can schedule a payment for a future date. Please select the “schedule payment” option in the fund transfer section of Internet Banking. [/esaf-accordion-item] [esaf-accordion-item title="The IFSC/ other bank branch to which I want to transfer fund is not showing in the IFSC/Branch list while adding payee/beneficiary. What can I do?"] Please sent a mail request mentioning the IFSC of payee/Beneficiary bank branch using the service request or to customercare@esafbank.com [/esaf-accordion-item] [esaf-accordion-item title="What is the fund transfer limit through Internet Banking?"] Fund transfer limit differs basis the Card/Account variants through various payment channels (NEFT / RTGS / IMPS) [/esaf-accordion-item] [esaf-accordion-item title="Can I reduce my Internet Banking daily fund transfer limit?"] Yes. ESAF SFB provides you the facility to define the fund transfer limits at beneficiary level as well as at your account level. Fund transfer limit can be defined at beneficiary level at the time of Beneficiary Addition/ Modification or can set the Account level limit through E-lock Account option. [/esaf-accordion-item] [esaf-accordion-item title="Can I change my transaction limits in POS/Ecom/ATM?"] Yes, you can modify up to a maximum limit set against each channel in the E-Lock facility available in Internet Banking [/esaf-accordion-item] [esaf-accordion-item title="While doing an online transaction through Internet Banking, my account got debited and the amount not created to the merchant/ payee/beneficiary?"] For failed transactions, amount will be automatically credited to the account within 3 to 4 working days. If automatic credit back doesn't happen within 3 to 4 working days, contact customer care through the service request or mailbox function providing the transaction details such as account number, debited amount, recipient details, date of transfer etc. [/esaf-accordion-item] [esaf-accordion-item title="Can I receive OTP (One Time Password) on E-mail?"] A. Yes. OTP can be received through E-mail [/esaf-accordion-item] [esaf-accordion-item title="How many beneficiaries can be added for NEFT?"] Any number of beneficiaries can be added in NEFT [/esaf-accordion-item] [esaf-accordion-item title="How will I come to know that the beneficiary added by me has been activated?"] An SMS Alert would be sent to your registered mobile number confirming the addition of beneficiary for fund transfer. [/esaf-accordion-item] [esaf-accordion-item title="Can I update my Mobile Number using Internet Banking?"] No. You will have to contact your nearest ESAF SFB branch for updating your registered mobile number. [/esaf-accordion-item] [esaf-accordion-item title="Can I update my e-mail ID using Internet Banking?"] Yes, you can use Internet Banking for updating your email ID. [/esaf-accordion-item] [esaf-accordion-item title="Can I update communication address using Internet Banking?"] Yes, you can use Internet Banking to update your communication address. ESAF SFB further suggests you to regularly update your KYC information. [/esaf-accordion-item] [esaf-accordion-item title="Are there any Banking Alerts that I can subscribe to?"] Yes, you can register for SMS alerts for various banking transactions. You can do the same by [/esaf-accordion-item] [esaf-accordion-item title="Can I modify mobile number and email ID for my account using Internet Banking?"] Yes, only Email ID can be changed using Internet Banking. For change of mobile number, you have to visit the nearest branch with valid details. [/esaf-accordion-item] [esaf-accordion-item title="How to download/access the account statement?"] Login to Internet Banking Choose the option to view ‘Account Statement’ [/esaf-accordion-item] [esaf-accordion-item title="How can I block my Net Banking?"] Contact your nearest ESAF SFB branch for blocking your Net Banking facility [/esaf-accordion-item] [esaf-accordion-item title=" If I block my card, would I be still able to login in Internet Banking?"] Yes, till the time you are not asked to change the password or you forget the password. [/esaf-accordion-item] [esaf-accordion-item title=" If I block my card, would I be still able to change the password?"] Yes, If the card is Blocked, customer can still change the Internet Banking Password using Personal Details or Reference Number. [/esaf-accordion-item] [/esaf-accordion]


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