IFSC Code of Esaf Small Finance Bank Limited, Eranhipallam, Kozhikode, Kerala — ESMF0001805

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. No matter, if you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code so that your payment goes to the right branch. And if you are searching for the IFSC Code of Esaf Small Finance Bank Limited for its Eranhipallam branch in Kozhikode, Kozhikode, Kerala, then this guide will give you detailed information.

The banking system has evolved significantly in India, and today the customers of Esaf Small Finance Bank Limited located in Kozhikode or anywhere in Kerala can transfer funds instantly by using the correct IFSC Code ESMF0001805. 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, Eranhipallam, Kozhikode

Below in the table are the key details related to IFSC Code ESMF0001805 of Esaf Small Finance Bank Limited for its branch located in Kozhikode, 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 Kozhikode for day-to-day financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code ESMF0001805 for the Eranhipallam 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 provided by the Reserve Bank of India. Every bank branch, including Esaf Small Finance Bank Limited located in Eranhipallam, Kozhikode, Kerala, is provided with a unique IFSC like ESMF0001805 to ensure that online payments reach the right destination.

The IFSC Code is important because:

• It uniquely identifies the Esaf Small Finance Bank Limited branch in Kozhikode.
• It helps NEFT, RTGS, and IMPS systems route the transfer securely.
• It avoids any errors or confusions between multiple branches of the same bank across different places like Kozhikode and Kozhikode.
• It reduces errors in fund transfers and improves accuracy.
• It allows sender banks to validate and confirm branch details before processing payments.

There are thousands of branches across Kerala and the rest of India and the IFSC Code ensures that transactions meant for Esaf Small Finance Bank Limited in Eranhipallam do not get mixed with another location.

Format of the IFSC Code ESMF0001805

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

AAAA0CCCCCC

Here's the explanation:

• First 4 characters (AAAA): This is the bank code. For Esaf Small Finance Bank Limited, these characters are the bank's short identifier.
• 5th character (0): This stays zero till there is any future use.
• Last 6 characters (CCCCCC): These are specific branch code assigned to branches such as Eranhipallam in Kozhikode.

For example, the IFSC Code ESMF0001805 of Esaf Small Finance Bank Limited for the Eranhipallam branch includes these elements, identifying the bank and the branch location in Kozhikode and Kerala accurately.

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

To find the IFSC Code ESMF0001805 of Esaf Small Finance Bank Limited for its Eranhipallam branch located in Kozhikode, 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 Kozhikode 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 Eranhipallam or Kozhikode to find the exact IFSC Code ESMF0001805.

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 Kozhikode will provide accurate information.

How to Use IFSC Code ESMF0001805 for Online Transfers?

Once you have the IFSC Code ESMF0001805 for the Eranhipallam branch of Esaf Small Finance Bank Limited in Kozhikode, you can initiate your fund transfers using any digital method:

NEFT

Add the beneficiary's name, account number, and IFSC Code ESMF0001805. The transfer is completed in batches instead of instantly. It is useful for both 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. Requires the recipient's account details and Esaf Small Finance Bank Limited IFSC Code ESMF0001805.

No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Esaf Small Finance Bank Limited Eranhipallam in Kozhikode, your payment can get delayed or might not go through at all.

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 Eranhipallam, here are some ways to obtain 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.

Having both the IFSC and MICR codes makes it easy for account holders in Kozhikode to handle online money transfers and get their cheques cleared smoothly.