The IFSC Code is a very important number used in India for digital banking and online money transfers that ensures seamless and accurate fund transfers. In case you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code to route your payment to the right branch. If you are searching for the IFSC Code of Esaf Small Finance Bank Limited for its Kozhikode branch in Kozhikode, Kozhikode, Kerala, this complete guide will provide you with detailed information.
The banking system in India has changed over the years, and today customers of Esaf Small Finance Bank Limited located in Kozhikode or anywhere in Kerala can transfer funds instantly by using the correct IFSC Code ESMF0001108. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.
Details of IFSC Code for Esaf Small Finance Bank Limited, Kozhikode, Kozhikode
The table below shows the main details of the IFSC Code ESMF0001108 for the Esaf Small Finance Bank Limited branch in Kozhikode, which falls under the Kozhikode district in Kerala.
| Particulars | Details |
|---|---|
| Bank | Esaf Small Finance Bank Limited |
| IFSC Code | ESMF0001108 |
| Branch | Kozhikode |
| City | Kozhikode |
| District | Kozhikode |
| State | Kerala |
| Address | 6/140 A, Ground Floor, Grand Arcade, Near Christian College, Kannur Road, Nadakkuv, Kozhikode District Pin 673011 |
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 ESMF0001108 for the Kozhikode 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 Kozhikode, Kozhikode, Kerala, is provided with a unique IFSC like ESMF0001108 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 Kozhikode do not get mixed with another location.
Format of the IFSC Code ESMF0001108
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 Kozhikode in Kozhikode.
For example, the IFSC Code ESMF0001108 of Esaf Small Finance Bank Limited for the Kozhikode 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?
If you are trying to find the IFSC Code ESMF0001108 of Esaf Small Finance Bank Limited for its Kozhikode branch located in Kozhikode, the following methods can help:
Cheque Book
The cheque books that are issued by Esaf Small Finance Bank Limited include the IFSC Code which is printed on each cheque and 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 find the branch locator section. Search for Kozhikode or Kozhikode to get the exact IFSC Code ESMF0001108.
Mobile Banking App
If you use Esaf Small Finance Bank Limited's mobile app, you can easily 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 to help you in searching for Esaf Small Finance Bank Limited and Kozhikode that will provide accurate information.
How to Use IFSC Code ESMF0001108 for Online Transfers?
Once you have the IFSC Code ESMF0001108 for the Kozhikode 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 ESMF0001108. The transfer is completed in batches. It is useful for both personal and business payments.
RTGS
Used for payments over ₹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 ESMF0001108.
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 Kozhikode 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 are very different from IFSC codes. If you are looking for the MICR code of Esaf Small Finance Bank Limited in Kozhikode, here are some of the ways 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.
Knowing both IFSC and MICR code can help account holders in Kozhikode manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code of the Kozhikode Kozhikode branch is ESMF0001108.
Yes, the IFSC Code remains the same unless the bank undergoes a merger or restructuring.
No. IFSC is used for online fund transfers, while MICR is used for cheque processing and clearance.
You can find it on cheque books, passbooks, bank websites, mobile banking apps, and the RBI website.
The branch is located at 6/140 A, Ground Floor, Grand Arcade, Near Christian College, Kannur Road, Nadakkuv, Kozhikode District Pin 673011.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.