ESAF Small Finance Bank UPI

Last Updated : July 24, 2025, 5:05 p.m.

ESAF Small Finance Bank’s Unified Payments Interface (UPI) service, offered through the BHIM ESAF UPI app, provides a fast, secure, and convenient way to handle digital transactions. Whether you’re transferring money to friends, paying merchants, or managing multiple bank accounts, the app simplifies financial tasks with features like instant transfers, QR code payments, and robust security measures. This guide covers everything you need to know about using ESAF’s UPI services, from registration to transaction limits and customer support.

Features of ESAF Small Finance Bank UPI

ESAF Small Finance Bank offers Unified Payments Interface (UPI) services through the BHIM ESAF UPI app, providing a seamless and secure way to transfer funds. Key features include:

• Instant Transfers : Facilitates real-time money transfers between bank accounts 24/7, 365 days a year.
• Single App for Multiple Accounts : Link up to five ESAF bank accounts to a single UPI ID for easy management.
• Secure Transactions : Uses a Virtual Payment Address (VPA) to eliminate the need to share sensitive bank details.
• Multiple Transfer Options : Supports transfers via VPA, mobile number, or account number with IFSC code.
• QR Code Payments : Enables quick payments by scanning merchant QR codes.
• Two-Factor Authentication : Ensures security with a UPI PIN for every transaction.
• Cross-Platform Compatibility : Available on Android (version 5.0 and above) and iOS (version 9.0 and above) devices.

How to Register ESAF Small Finance Bank UPI App?

To register for the BHIM ESAF UPI app, follow these steps:

1. Download the App : Install the BHIM ESAF UPI app from the Google Play Store or Apple App Store.
2. Log In : Open the app and log in with your passcode or set one up if prompted.
3. Verify Mobile Number : Ensure the mobile number registered with your ESAF bank account is active in the device. An SMS will be sent to validate it.
4. Select Bank : Choose ESAF Small Finance Bank from the list of available banks.
5. Set UPI PIN : Enter the last six digits of your debit card and its expiry date. An OTP will be sent to your registered mobile number.
6. Confirm OTP : Enter the OTP, set a new UPI PIN, and confirm it.
7. Create UPI ID : Navigate to the 'Profile' section on the app’s home screen, create your UPI ID, and submit it.
8. Complete Registration : Your UPI ID is now active, and you can start using UPI services.

ESAF Small Finance Bank UPI Limit per Month / per Year

• Daily Limit : The maximum UPI transaction limit is ₹1,00,000 per day or 20 person-to-person (P2P) transactions within 24 hours, whichever is reached first.
• First 24 Hours : For new UPI users, the limit is ₹5,000 or 20 transactions within the first 24 hours of registration.
• Monthly/Yearly Limit : There are no specific monthly or yearly limits defined by ESAF Small Finance Bank for UPI transactions, but the daily limit of ₹1,00,000 applies consistently. Users should confirm with the bank for any additional restrictions.
• Receiving Limit : Users can receive up to ₹1,00,000 per transaction, with no explicit monthly or yearly cap mentioned.

How to Increase ESAF Small Finance Bank UPI Limit?

ESAF Small Finance Bank does not explicitly outline a process for increasing UPI limits beyond the standard ₹1,00,000 per day after the initial 24-hour period. However, you can try the following:

1. Contact Customer Care : Call the toll-free number 1-800-103-3723
2. Visit a Branch : Visit the nearest ESAF branch to discuss with a bank representative about increasing your UPI transaction limit.
3. Internet Banking E-Lock Facility : Log in to ESAF Internet Banking, navigate to the service request section, and check the E-Lock facility to modify transaction limits at the account or beneficiary level, if applicable to UPI.
4. Ensure KYC Compliance : Ensure your KYC details are updated, as incomplete KYC may restrict higher limits.

Note : Any increase in limits is subject to bank approval and compliance with RBI/NPCI regulations.

How to Transfer Amount Through ESAF Small Finance Bank UPI?

To send money using the BHIM ESAF UPI app:

1. Open the App : Launch the BHIM ESAF UPI app and log in with your passcode.
2. Select Send Option : On the home screen, tap the ‘Send’ option.
3. Choose Transfer Method : Select the method to send money (VPA, mobile number, or account number with IFSC code).
4. Enter Details : For mobile number transfers, input the recipient’s mobile number and verify their name. For VPA, enter the recipient’s UPI ID.
5. Enter Amount : Specify the amount to transfer and add any remarks if needed.
6. Authenticate : Enter your UPI PIN to authorize the transaction.
7. Confirm Transaction : Verify the details and submit. The amount will be transferred instantly to the recipient’s account.
8. Check Status : View the transaction status in the ‘Transaction History’ section.

How to Receive Amount Through ESAF Small Finance Bank UPI App?

To receive money using the BHIM ESAF UPI app:

1. Open the App : Launch the app and log in with your passcode.
2. Select Receive Option : On the home screen, tap the ‘Receive Money’ option.
3. Enter Payer Details : Add the payer’s mobile number and tap ‘Verify’ to confirm their name.
4. Specify Amount : Enter the amount to be received.
5. Send Request : Submit the request, which will be sent to the payer.
6. Payer Approval : The payer receives a notification and must approve the request using their UPI PIN.
7. Receive Funds : Once approved, the amount is credited to your linked ESAF account instantly.
8. Confirmation : You’ll receive a confirmation notification, and the transaction will appear in the ‘Transaction History’ section.

ESAF Small Finance Bank UPI Customer Care Number

For any issues or inquiries related to UPI services, contact ESAF Small Finance Bank’s customer care:

• Toll-Free Number : 1-800-103-3723 (1-800-103-ESAF)
• Missed Call Service : For account balance or mini statement, give a missed call to 85928-66639 (85928-MONEY).