Is ESAF Small Finance Bank down right now?
ESAF Small Finance Bank looks down
ESAF Small Finance Bank didn't respond to multiple checks from different locations, so it's probably down. No users have reported it yet. Seeing it too? Tap a problem below, or try the steps below.
- Reports·1h
- 0
- Server
- 503
- Response
- 0.9s
- Last checked
- 1 hour ago
Answer: "BHIM ESAF UPI not working" is the only ESAF Small Finance Bank issue reported in the last 24 hours (1 report). ESAF Small Finance Bank did not respond at our last check on 24 Oct 2026, 9:00 AM IST.
Our automated check runs from one or more locations and may miss in-app problems; reports come from users across India. We only call something "down" when users confirm it too. Here's how we check.
ESAF Bank app or UPI stuck? See who else reports it
Takes 5 seconds, no login needed.
Last 24 hours: 1 reports.
About ESAF Small Finance Bank
What began in 1992 as ESAF Society, a Thrissur NGO, started banking on 10 March 2017 as ESAF Small Finance Bank, from its head office at ESAF Bhavan, Mannuthy. It crossed one crore customers in 2026.
Customers bank through personal net banking, the ESAF Bank mobile app, the BHIM ESAF UPI app, WhatsApp banking on 97467 97467 and *99# on any phone.
Branches and ATMs handle cash, and doorstep banking serves customers above 70.
Live reports
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9h ago
Other
BHIM ESAF UPI not working
“Esaf bank server error” — Guest
- Not enough reports for ESAF Small Finance Bank yet to show a longer history.
- The 1 from the last 24 hours is in Recent.
63-day history
We checked 71 times over the last 63 days — healthy on 58 days, minor issues on 2 days. It typically responds in about 0.1s.
Dashed line is its usual 0.1s, measured over the last 14 days. Gaps are days with no timing data.
Recent reports & outages
Reachability issue minor
Our checks currently can't reach ESAF Small Finance Bank.
Reported problems minor
Peaked at 2 reports in an hour on 01 Oct. Reported from Karnataka.
If ESAF Small Finance Bank isn't working
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Update the ESAF Bank app Install the latest ESAF Bank app from the Play Store or App Store, then sign in again.
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Switch between the app and net banking If the app will not load, open personal net banking on a laptop or phone browser; if the website fails, go back to the app.
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Check the OTP is reaching you The OTP goes to your registered mobile. Check the signal and wait one minute before asking for a fresh one.
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Do not resend a failed transfer Check the statement and keep the reference number. A second attempt before the first reverses can take the money twice.
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See if others are reporting it Many ESAF customers reporting here at once points to a fault at the bank, not your phone.
Other ways to access ESAF Small Finance Bank
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Bank by *99# on any phone Dial *99#, choose ESAF, and check the balance, get a mini statement or send money with your MPIN, all without internet.
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Pay from another UPI app Your ESAF account can be linked to BHIM or any other UPI app, so a payment can still go through when the ESAF apps are stuck.
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Doorstep banking for seniors Customers above 70 and those with a certified disability can ask the branch for cash pickup, cash delivery or cheque pickup within 5 km.
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Use a branch or ATM Locate Branch/ATMs on esaf.bank.in finds the nearest one for cash or a transfer the app will not complete.
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Block a card or complain Every route, from the toll-free line to WhatsApp banking and the complaint form, sits on the verified ESAF helpline page.
Official channels during an outage: X · Facebook · Instagram · LinkedIn · YouTube · Website
Questions
When many ESAF customers flag the app or net banking on this page at once, the bank has downtime or a technical issue. With few reports, update the ESAF Bank app, check that the OTP is reaching your registered mobile, and try net banking in a browser.
Usually one channel is failing, not all of them. Net banking, the ESAF Bank app and BHIM ESAF UPI are three different ways in, so try another one first. For a payment that cannot wait, your ESAF account works in any UPI app, and *99# works without internet.
Do not send it again yet. Check your statement and keep the UTR or reference number. Under RBI's turnaround rules, a failed UPI or IMPS debit should be back by the next working day, and after that the bank owes Rs 100 for each day of delay. If it has not come back, raise it on ESAF's Online Dispute Redressal portal or call 1800 103 3723.
Personal net banking is at netbanking.esaf.bank.in, and mobile banking runs in the ESAF Bank app from the Play Store or App Store. Update the app to the latest version, check the OTP is reaching your registered mobile, and switch to the other channel if one fails.
To stop UPI debits, SMS UPIBLOCK plus your account number's last four digits to 9990016467 from your registered mobile; unblocking needs a branch visit. For a lost debit or credit card, call 1800 103 3723 or 080 4552 0100, or visit the nearest branch.
Dial *99# from your registered mobile, choose ESAF, and pick Balance enquiry or Mini statement. It works on a basic phone without internet. You can also say Hi on WhatsApp to 97467 97467.
Open Locate Branch / ATMs on esaf.bank.in, pick your state, such as Rajasthan, and then the district. The list covers branches and ATMs across the states ESAF serves. A branch also takes cash and transfers when the app or net banking is down.
App update cheythu nokkuka, allenkil browser-il net banking upayogikkuka. Balance ariyaan *99# dial cheyyuka, internet illathe thanne nadakkum. Paisa poyi transfer fail aayal veendum ayakkaruthu.
Yes. Tap Download on the status card at the top. The saved server down screenshot shows ESAF Small Finance Bank's status, the last checked time, and how many users are reporting problems.
Need to block a card or report a failed transaction on ESAF Small Finance Bank? See the verified ESAF Small Finance Bank customer care and net banking helpline numbers.
Related & alternatives
If ESAF Small Finance Bank is down, here are other banks and net banking services we track, each with live status.
People also check
Unofficial status from automated checks & user reports. Not affiliated with ESAF Small Finance Bank. Status may be inaccurate, confirm on the official site.