Esaf Small Finance Bank MICR Codes in Bihar — All Cities

Esaf Small Finance Bank MICR Codes in Bihar — Complete City Directory

Esaf Small Finance Bank operates 17 branches across 15 cities in Bihar, all registered on the Reserve Bank of India's Cheque Truncation System (CTS) grid. Every branch has a unique 9-digit MICR code — a mandatory identifier for cheque clearing, ECS mandates, SIP registrations, and NACH auto-debits. BankZop's Esaf Small Finance Bank Bihar MICR directory is sourced directly from official RBI CTS data and updated regularly, making it the most reliable source for accurate branch MICR codes in Bihar.

Whether you are setting up a mutual fund SIP, registering an ECS mandate for insurance, or submitting a NACH form for loan EMI collection, you need the exact MICR code of the Esaf Small Finance Bank branch in Bihar where your account is held. Use the city list above to navigate directly to your branch.

How to Find Your Esaf Small Finance Bank MICR Code in Bihar

Finding the right MICR code takes under 30 seconds on BankZop. Here is the exact process:

• Step 1 — Select City: You are already on the Bihar page. Choose your city from the list above. Type in the search box to filter instantly if the list is long.
• Step 2 — Select Branch: The city page lists all Esaf Small Finance Bank branches in that city. Click your specific branch — the one where your savings or current account is held.
• Step 3 — Copy MICR Code: The branch result page shows the full 9-digit MICR code with a one-click Copy button. It also shows the IFSC code, BSR code, address, and phone number for the same branch.

If you already have your Esaf Small Finance Bank cheque book, the MICR code is printed at the bottom of every cheque leaf in magnetic ink — the 9-digit number between the cheque serial number and your account number. You can verify it matches our database by searching BankZop for your branch.

Why Each Esaf Small Finance Bank Branch in Bihar Has a Different MICR Code

Every Esaf Small Finance Bank branch in Bihar has a unique 9-digit MICR code structured as follows:

• Digits 1–3 (City Code): Identifies the CTS clearing zone within Bihar. Each major city in Bihar has a distinct 3-digit city code assigned by the RBI. All Esaf Small Finance Bank branches in the same city share this prefix.
• Digits 4–6 (Bank Code): Identifies Esaf Small Finance Bank within that city's clearing zone. This is the same for all Esaf Small Finance Bank branches in the same city.
• Digits 7–9 (Branch Code): This is what makes each MICR code unique. The final 3 digits identify the specific Esaf Small Finance Bank branch. No two branches in Bihar share the same complete 9-digit code.

This hierarchical structure enables the RBI's CTS clearing system to automatically route any Esaf Small Finance Bank cheque in Bihar to the correct clearing house, bank, and branch — without any manual intervention.

When You Need the Esaf Small Finance Bank Bihar MICR Code

SIP and Mutual Fund Registrations

If you hold a Esaf Small Finance Bank savings account in Bihar and want to set up a Systematic Investment Plan (SIP), the NACH mandate form will ask for your branch's MICR code. This is how the fund house identifies your Esaf Small Finance Bank Bihar branch to debit your SIP amount each month through the NPCI's NACH platform. Entering the wrong MICR code will result in a rejected mandate and delayed SIP setup.

ECS Mandates for Utilities and Insurance

ECS (Electronic Clearing Service) auto-debits for electricity bills, broadband payments, gas connections, and insurance premium renewals all require your Esaf Small Finance Bank branch MICR code in Bihar. The ECS mandate form specifically asks for a 9-digit MICR code — not the IFSC code. The clearing system uses this to identify your branch and process the auto-debit on the due date.

Loan EMI Collection Mandates

Banks and NBFCs operating in Bihar collect loan EMIs via NACH mandates. When you sign a NACH form for a home loan, personal loan, car loan, or two-wheeler loan, the lender's bank uses your Esaf Small Finance Bank branch MICR code to set up the recurring debit. An incorrect MICR code causes the mandate to fail, resulting in a missed EMI and possible late payment penalties.

Post-Dated Cheques and Cheque Clearing

All cheques issued by Esaf Small Finance Bank branches in Bihar carry the branch's MICR code at the bottom. When these cheques are deposited by the payee, the CTS system in Bihar reads the MICR code to route the clearing request electronically. The entire process — from deposit to settlement — happens within one business day, thanks to the MICR-based CTS infrastructure.

Cities in Bihar with Esaf Small Finance Bank Branches

Esaf Small Finance Bank has a presence in 15 cities across Bihar with MICR-enabled branches:

Branch counts reflect MICR-enabled branches on the RBI CTS grid as of Jun 2026. Data sourced from RBI CTS records.

To browse Esaf Small Finance Bank branches in other states, visit the Esaf Small Finance Bank MICR directory. For all bank MICR codes, use the MICR Code Lookup homepage. For loan planning, try the free EMI Calculator.