ESAF Small Finance Bank - Personal Banking, NRI Banking, Micro-Banking Services
Dear Customer, ESAF Bank’s Core Banking System and related applications will undergo an upgrade from 23 October 2026 (Friday), 6:00 PM, to 26 October 2026, (Monday)10:00 AM. During this period, ATM, Mobile Banking, Internet Banking, BBPS, Debit Card and UPI services will be temporarily unavailable. We request you to plan your banking transactions accordingly. From 26 October 2026, please download the new ESAF Mobile Banking App and re-register to enjoy an enhanced banking experience. For assistance, please contact your branch or call 1800 103 3723. We regret the inconvenience and appreciate your understanding and cooperation.
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Internet Banking FAQ


Published On: December 24, 2016

Frequently Asked Questions - Internet Banking

Visit ESAF Website
  • Please click on ‘Login’ in the ESAF SFB website.
  • Choose ‘Personal’ for logging into Retail Internet Banking. Or
  • Choose ‘Corporate’ for logging into Corporate Internet Banking
  • Click on ‘New User Sign Up’ in the Login Page
  • Follow the instructions in the landing page.
  • Click on ‘Submit’

You can self-generate your user ID Visit ESAF Website and follow the below steps.

  • Please click on ‘Login’ in the ESAF SFB website.
  • Choose ‘Personal’ for logging into Retail Internet Banking. Or
  • Choose ‘Corporate’ for logging into Corporate Internet Banking
  • Click on ‘New User Sign Up’ in the Login Page
  • Keep your Customer Number and Debit Card handy
  • Follow the instructions in the landing page.
  • Click on ‘Submit’

Visit ESAF Website and follow the below steps.
  • Please click on ‘Login’ in the ESAF SFB website.
  • Choose ‘Personal’ for logging into Retail Internet Banking. Or
  • Choose ‘Corporate’ for logging into Corporate Internet Banking
  • Click on ‘Forgot User ID?’ in the Login Page
  • Follow the instructions in the landing page.

Visit ESAF Website and follow the below steps.
  • Please click on ‘Login’ in the ESAF SFB website.
  • Choose ‘Personal’ for logging into Retail Internet Banking. Or
  • Choose ‘Corporate’ for logging into Corporate Internet Banking
  • Enter your ‘User ID’ in the Login Page
  • Click on ‘Continue to Login’
  • Click on ‘Forgot Password?’
  • Follow the instructions in the landing page.

For security reasons, ESAF SFB advises you to change your password at regular intervals.

No. But it is advisable to log in periodically to check account level activity.

Your ESAF SFB internet banking credentials such as passwords are case sensitive but your User ID is not case sensitive.

You can make a maximum of 3 attempts for log in. On failure of the attempts, the User ID gets locked.

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.

There are no additional charges for accessing various services by 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”.

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.

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.

Please click on the link “Schedule of charges”.

Please click on the link “Schedule of charges”.

The RTGS operating hours round the clock for 24 Hours.

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.

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.

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.

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.

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.

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.

Yes, you can schedule a payment for a future date.
Please select the “schedule payment” option in the fund transfer section of Internet Banking.

Please sent a mail request mentioning the IFSC of payee/Beneficiary bank branch using the service request or to customercare@esafbank.com

Fund transfer limit differs basis the Card/Account variants through various payment channels (NEFT / RTGS / IMPS)

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.

Yes, you can modify up to a maximum limit set against each channel in the E-Lock facility available in Internet Banking.

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.

Yes. OTP can be received through E-mail

Any number of beneficiaries can be added in NEFT

An SMS Alert would be sent to your registered mobile number confirming the addition of beneficiary for fund transfer.

No. You will have to contact your nearest ESAF SFB branch for updating your registered mobile number.

Yes, you can use Internet Banking for updating your email ID.

Yes, you can use Internet Banking to update your communication address. ESAF SFB further suggests you to regularly update your KYC information.

Yes, you can register for SMS alerts for various banking transactions. You can do the same by
  • Visiting the nearest ESAF SFB branch,
  • Internet Banking,
  • Call to customer care.

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.

Login to Internet Banking Choose the option to view ‘Account Statement’

Contact your nearest ESAF SFB branch for blocking your Net Banking facility

Yes, till the time you are not asked to change the password or you forget the password.

Yes, If the card is Blocked, customer can still change the Internet Banking Password using Personal Details or Reference Number.



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By using the website you accept and agree to be bound by the terms mentioned in the website policy available here. If you do not agree to these terms, please refrain from using the website.