IFSC Code of Esaf Small Finance Bank Limited, Koyilandi, Kozhikode, Kerala — ESMF0001359

Digital banking and online financial transactions in India uses one essential element that ensures you have a seamless and accurate fund transfers, it is the IFSC Code. Banks need the correct IFSC Code for NEFT, RTGS, or IMPS transfers to reach the right branch. If you are looking for the IFSC Code of Esaf Small Finance Bank Limited for its Koyilandi branch in Koyilandi, Kozhikode, or Kerala, this guide will help you with all the details.

There have been major changes in the banking sector in India and today, the customers of Esaf Small Finance Bank Limited located in Koyilandi or anywhere in Kerala can transfer funds instantly by using the correct IFSC Code ESMF0001359. You should definitely know how the IFSC Code works and how it helps you stay informed and avoid transfer errors.

Details of IFSC Code for Esaf Small Finance Bank Limited, Koyilandi, Koyilandi

Below in the table are the key details related to IFSC Code ESMF0001359 of Esaf Small Finance Bank Limited for its branch located in Koyilandi, within the district of Kozhikode in the state of Kerala.

These details are essential not only for online banking users but also for businesses and individuals who use Esaf Small Finance Bank Limited in Koyilandi for day-to-day financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code ESMF0001359 for the Koyilandi branch of Esaf Small Finance Bank Limited plays an important role.

What Is IFSC Code and Why Is It Important?

IFSC stands for Indian Financial System Code, an 11-character alphanumeric code that is provided by the Reserve Bank of India. A unique IFSC like ESMF0001359 is given to every bank branch, including Esaf Small Finance Bank Limited located in Koyilandi, Koyilandi, Kerala, to make sure that online payments reach the right place.

The IFSC Code is important because:

• It uniquely identifies the Esaf Small Finance Bank Limited branch in Koyilandi.
• It helps NEFT, RTGS, and IMPS systems route the transfer securely.
• It avoids any kind of confusion between multiple branches of the same bank across different places like Koyilandi and Kozhikode.
• It removes errors in fund transfers and improves accuracy.
• It lets the sender banks validate and confirm branch details before they process the payments.

There are thousands of branches across Kerala and the rest of India, which is why the IFSC Code ensures that transactions meant for Esaf Small Finance Bank Limited in Koyilandi doesn't end up at another location.

Format of the IFSC Code ESMF0001359

The format of the IFSC Code for banks, including Esaf Small Finance Bank Limited, follows an 11-character structure:

AAAA0CCCCCC

Here's the breakdown:

• First 4 characters (AAAA): Show the bank code. For Esaf Small Finance Bank Limited, these letters represent the bank's short name.
• 5th character: Is always zero and is kept for future use.
• Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Koyilandi in Koyilandi.

For example, the IFSC Code ESMF0001359 of Esaf Small Finance Bank Limited for the Koyilandi branch includes these elements, identifying the bank and the branch location in Koyilandi and Kerala accurately.

How to Find IFSC Code for Esaf Small Finance Bank Limited?

To find the IFSC Code ESMF0001359 of Esaf Small Finance Bank Limited for its Koyilandi branch located in Koyilandi, the following methods can help you out:

Cheque Book

The cheque book issued by Esaf Small Finance Bank Limited includes the IFSC Code printed on each cheque leaf. You can easily spot the code on the top section.

Passbook

Most banks, including Esaf Small Finance Bank Limited branches in Koyilandi and Kozhikode, print the IFSC and MICR codes on the first page of the passbook.

Bank Website

Visit the official website of Esaf Small Finance Bank Limited and go to the branch locator section. Then search for Koyilandi or Koyilandi to find the exact IFSC Code ESMF0001359.

Mobile Banking App

If you use Esaf Small Finance Bank Limited's mobile app, you can check your account details to find your branch's IFSC code.

RBI Website

The Reserve Bank of India maintains an updated database of all IFSC codes. Searching for Esaf Small Finance Bank Limited and Koyilandi will provide accurate information.

How to Use IFSC Code ESMF0001359 for Online Transfers?

If you have the IFSC Code ESMF0001359 for the Koyilandi branch of Esaf Small Finance Bank Limited in Koyilandi, you can easily go ahead with fund transfers using any digital method:

NEFT

Add beneficiary details including the name, account number, and IFSC Code ESMF0001359. Transfers are processed in batches. Suitable for personal and business payments.

RTGS

Used for high-value payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.

IMPS

Instant 24×7 transfers. Asks for the recipient's account details and Esaf Small Finance Bank Limited IFSC Code ESMF0001359.

Whatever method you choose, the accuracy of the IFSC Code is important and needed. In case there is any mistake in entering the IFSC Code for Esaf Small Finance Bank Limited Koyilandi in Koyilandi, it may result in delayed or failed transactions.

Finding the MICR Code

MICR codes are used for cheque clearance and differ from IFSC codes. If you are looking for the MICR code of Esaf Small Finance Bank Limited in Koyilandi, here are some ways that you can get it:

• Check the bottom of your cheque leaf.
• Refer to the first page of your passbook.
• Visit the official Esaf Small Finance Bank Limited website.
• Search the RBI portal.

If you know both IFSC and MICR codes, then it can help account holders in Koyilandi manage online transfers as well as cheque clearances with ease.