By Meghna Sharma ESAF Small Finance Bank is a scheduled commercial bank focused on retail, micro-banking, business, agriculture and inclusive banking services. With a wide network of banking outlets across India and a growing range of digital channels, customers can complete many everyday transactions without visiting a branch. However, physical branch services are still important for cash transactions, KYC updates, account-opening formalities, cheque-related work, loan documentation and other requests that require direct verification or assistance from bank officials.
Knowing the correct working days and official customer-care channels is particularly useful when a branch visit is planned around a Saturday, regional holiday or festival period. It is equally important during urgent situations such as a lost Debit Card, suspicious transaction, compromised UPI access or unresolved service complaint.
ESAF Small Finance Bank does not publish one single nationwide opening and closing time for every branch. The bank’s own annual-report material states that it maintains branch-specific microsites containing working hours, services and contact information. Customers should therefore check the selected location through ESAF’s official Branch Locator instead of assuming that every branch follows one fixed timing.
Here is a complete guide to ESAF Small Finance Bank branch timings, working days, Saturday schedule, customer-care numbers, card-loss support, UPI blocking, WhatsApp Banking, missed-call services, grievance redressal and Corporate Office contact details.
ESAF Small Finance Bank Branch Timings – Quick Overview
| Particular | ESAF Small Finance Bank Schedule |
| Exact Branch Business Hours | Branch-specific; check the official ESAF Branch Locator |
| Monday to Friday | Working, except applicable bank holidays |
| 1st Saturday | Working |
| 2nd Saturday | Closed |
| 3rd Saturday | Working |
| 4th Saturday | Closed |
| 5th Saturday | Working, when applicable |
| Sunday | Generally Closed |
| Public/Bank Holidays | Closed according to the applicable state holiday calendar |
| 24×7 Toll-Free Customer Care | 1800 103 3723 |
| NRI Customer Care – Paid Line | 080-45520100 |
| WhatsApp Banking | 97467 97467 |
| Customer Care Email | customercare@esafbank.com |
What Are the ESAF Small Finance Bank Branch Timings?
ESAF Small Finance Bank does not currently publish one identical opening and closing time for its entire branch network. Exact working hours are maintained at branch level and should be checked through the bank’s official Branch Locator or branch-specific information.
This is important because customer-service hours can depend on the location and operating requirements of the branch. ESAF’s own annual-report material states that its branch microsites provide branch-specific information including location, services, contact details and working hours.
For time-sensitive work such as cash transactions, account opening, KYC updates, loan documentation, cheque services or other activities requiring direct staff assistance, customers should confirm the selected branch before travelling.
ESAF Small Finance Bank Working Days
ESAF Small Finance Bank branches normally operate from Monday to Friday, except when a date falls on an applicable bank or public holiday.
Saturday operations depend on which Saturday of the month it is.
ESAF Small Finance Bank Saturday Working Schedule
The normal Saturday banking arrangement is:
- 1st Saturday – Working day
• 2nd Saturday – Closed
• 3rd Saturday – Working day
• 4th Saturday – Closed
• 5th Saturday – Working day, if the month has one
The second and fourth Saturdays are public holidays for banks across India. A first, third or fifth Saturday may also be closed if an applicable regional or public holiday falls on the same date.
ESAF Small Finance Bank Lunch Timings
ESAF Small Finance Bank does not publish one fixed nationwide lunch-break shutdown for every branch.
Customers should therefore not assume that all branches close their entire customer-service operation during a specific lunch period. Staff availability may be managed according to the branch’s local working arrangements.
For documentation-heavy work or assistance from a particular official, visiting during the earlier part of the branch’s displayed working hours can be more convenient.
ESAF Small Finance Bank Holidays
Apart from the second and fourth Saturdays and regular weekly closures, ESAF branches remain closed on applicable bank and public holidays.
ESAF Small Finance Bank provides an official state-wise Holiday List on its website. Since many bank holidays depend on state notifications and regional festivals, a holiday applicable in one state may not apply to a branch in another state.
Customers planning an important visit during a festival period or long weekend should check the official holiday calendar as well as the selected branch.
Do All ESAF Small Finance Bank Branches Have the Same Timings?
No. Exact working hours should be treated as branch-specific.
ESAF’s official digital initiatives specifically provide branch-level working hours through branch microsites and the bank’s locator system. This makes the particular branch listing the safest source for opening and closing times.
Customers should avoid relying on a generic timing copied from an unauthorised third-party website when the exact branch schedule matters.
ESAF Small Finance Bank Customer Care Numbers
ESAF Small Finance Bank provides a 24×7 Customer Care facility for banking enquiries and complaints.
Toll-Free Customer Care: 1800 103 3723
NRI Customer Care – Paid Line: 080-45520100
The bank’s grievance-redressal page also identifies these numbers as the Level I customer-support contacts and describes the service as available 24×7.
ESAF Small Finance Bank Official Customer Care Details
24×7 Toll-Free Customer Care: 1800 103 3723
NRI Customer Care – Paid Line: 080-45520100
Customer Care Email: customercare@esafbank.com
WhatsApp Banking: 97467 97467
SMS Banking: 80860-77575
Balance Enquiry Missed Call: 85928-66639
Mini Statement Missed Call: 85938-66639
Principal Nodal Officer: 8589001933
Official ESAF Outbound Calling Numbers
ESAF Small Finance Bank currently publishes specific numbers that the bank may use when calling customers.
Service / Transactional Calls: 1600108723 and 1600409289
Promotional / Marketing Calls: 1408893723 and 1409763723
Knowing these official outbound numbers can help customers distinguish legitimate ESAF calls from unknown callers. Even during a genuine bank call, customers should never disclose an OTP, PIN, CVV, UPI PIN or Internet Banking password.
ESAF Small Finance Bank ATM and Debit Card Blocking
If an ESAF Small Finance Bank Debit Card is lost, stolen or suspected of being compromised, customers should take immediate action instead of waiting for the branch to open.
The bank’s official Loss of Card page directs customers to contact:
1800 103 3723
or
080-45520100
Customers can also email customercare@esafbank.com or visit the nearest ESAF Small Finance Bank branch.
Prompt reporting is important because it allows the bank to block the affected card and reduce the possibility of further unauthorised use.
ESAF Small Finance Bank UPI Blocking
ESAF Small Finance Bank provides a dedicated SMS facility for blocking UPI debit services.
To block UPI debit services, send an SMS from the registered mobile number to:
9990016467
Use the format:
UPIBLOCK XXXX
where XXXX represents the last four digits of the customer’s account number.
The bank states that UPI unblocking requires the customer to visit the nearest branch.
ESAF Small Finance Bank Cyber Fraud Reporting
Customers who notice an unauthorised banking transaction, online fraud, phishing attempt, digital-arrest scam or another cyber financial fraud should report it immediately.
The bank’s official Cyber Fraud Reporting page directs affected customers to the National Cyber Crime Helpline:
1930
Customers can also use the Government of India’s cybercrime reporting portal.
At the bank level, customers should immediately contact ESAF Customer Care at 1800 103 3723, report any compromised card through the official lost-card channels and block UPI where necessary.
Fast reporting can reduce the risk of further loss and helps the bank take protective action on affected banking channels.
ESAF Small Finance Bank Customer Care Email and Online Complaint Channels
For general customer-service enquiries and complaints, ESAF Small Finance Bank currently publishes:
customercare@esafbank.com
For enquiries relating to new products, the official Contact Us page lists:
enquiry@esafbank.com
Customers can also lodge a complaint or provide feedback through ESAF’s official online complaint and feedback forms.
Customers should never send Debit Card PINs, CVVs, UPI PINs, Internet Banking passwords or OTPs through ordinary email.
ESAF Small Finance Bank SMS and Missed Call Banking
ESAF Small Finance Bank provides SMS and missed-call services for quick access to basic banking information.
SMS Banking Number: 80860-77575
Balance Enquiry Missed Call: 85928-66639
Mini Statement Missed Call: 85938-66639
The bank presents 85928-66639 as 85928-MONEY for balance enquiry and 85938-66639 as 85938-MONEY for a mini statement.
These facilities are designed to make basic banking information available without requiring a branch visit.
ESAF Small Finance Bank WhatsApp Banking
ESAF Small Finance Bank provides official WhatsApp Banking through:
97467 97467
The bank’s current homepage invites customers to say “Hi” to this number.
ESAF’s official banking material states that WhatsApp Banking can provide services such as balance enquiries, mini statements, cheque-status information, Debit Card management, branch-location information, product information and interest-rate details.
Customers should make sure that they are communicating through the official ESAF channel and should never disclose PINs, CVVs, passwords or OTPs through WhatsApp.
ESAF Small Finance Bank Grievance Redressal
ESAF Small Finance Bank follows a five-level grievance-redressal structure.
Level I: Customers should first contact the 24×7 Call Centre at 1800 103 3723, use the NRI line at 080-45520100 where applicable, approach the branch, email customercare@esafbank.com or lodge a complaint through the official website.
Level II: If the customer is not satisfied even after three working days, the complaint can be escalated to the concerned Cluster Head.
Level III: If the complaint has still not been handled satisfactorily after six days from initial registration, it can be escalated to the appropriate Regional Nodal Officer.
Level IV: If the customer remains dissatisfied after ten days, the complaint can be escalated to the Principal Nodal Officer.
Level V: If the complaint is not resolved within 30 days after approaching the bank, or the customer remains dissatisfied with the final response, the matter can be taken to the RBI Ombudsman under the applicable RBI grievance mechanism.
ESAF Small Finance Bank Principal Nodal Officer
ESAF Small Finance Bank’s current Customer Service and Complaints pages list:
Dr Rekha U Menon
Principal Nodal Officer
ESAF Small Finance Bank
ESAF Bhavan, Mannuthy, Thrissur – 680651
Email: principalnodalofficer@esafbank.com
Phone: 8589001933
Availability: 9:00 AM to 5:30 PM on banking working days
The Principal Nodal Officer also acts as the Head Office-level nodal officer for issues relating to banking services for customers with disabilities.
ESAF Small Finance Bank NRI Customer Support
For NRI customers, ESAF Small Finance Bank provides the paid support line:
080-45520100
The same number appears on the bank’s current Contact Us, Customer Service and grievance pages as the NRI customer-service line.
NRI customers can also use customercare@esafbank.com for general written customer-service communication.
ESAF Small Finance Bank Corporate Office Contact Details
ESAF Small Finance Bank Limited
Building No. VII/83/8, ESAF Bhavan
Thrissur – Palakkad National Highway
Mannuthy, Thrissur
Kerala – 680651
Telephone: 0487 7123456
Customer Care Email: customercare@esafbank.com
Services Available When ESAF Small Finance Bank Branches Are Closed
A closed physical branch does not stop most routine ESAF banking services.
Depending on eligibility and the service required, customers can continue using Mobile Banking, Internet Banking, BHIM ESAF UPI, WhatsApp Banking, ATMs, missed-call banking, SMS Banking and other supported digital channels.
The bank’s Customer Care at 1800 103 3723 is available 24×7 for supported banking enquiries and complaint registration.
Services requiring original documents, physical signatures, direct verification or branch-specific processing may still require a physical branch visit.
Best Time to Visit an ESAF Small Finance Bank Branch
For routine banking work, customers should visit during the exact business hours published for their selected branch.
Because ESAF maintains branch-specific working-hour information, customers should not assume that one opening and closing time applies to every location.
For account opening, KYC updates, loan documentation, cheque-related work or other services requiring detailed staff assistance, arriving well before the branch’s closing time is advisable.
Customers should also check whether the proposed visit falls on a second or fourth Saturday, Sunday or applicable regional bank holiday before travelling.