IFSC Code of Esaf Small Finance Bank Limited, Perambra, Kozhikode, Kerala — ESMF0001412

There is one important element for digital banking and online financial transactions in India that ensures seamless and accurate fund transfers is the IFSC Code. For sending money through NEFT, RTGS, or IMPS, the bank asks you to enter the correct IFSC Code to make the route of your payment to the right branch. In case you are searching for the IFSC Code of Esaf Small Finance Bank Limited for its Perambra branch in Perambra, Kozhikode, Kerala, then this comprehensive guide will provide you with detailed information.

The banking system in India has changed over time, and today the customers of Esaf Small Finance Bank Limited situated in Perambra or anywhere in Kerala can easily transfer funds instantly by using the correct IFSC Code ESMF0001412. You should 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, Perambra, Perambra

Here are the main details that are associated with the IFSC Code ESMF0001412 of Esaf Small Finance Bank Limited for its branch located in Perambra, within the district of Kozhikode in the state of Kerala.

These details helps users in online banking and for businesses and individuals who use Esaf Small Finance Bank Limited in Perambra for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code ESMF0001412 for the Perambra branch of Esaf Small Finance Bank Limited plays a vital 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, along with Esaf Small Finance Bank Limited located in Perambra, Perambra, Kerala, are allotted a unique IFSC like ESMF0001412 to ensure that online payments reach the right destination.

The IFSC Code is important because:

• It clearly tells which bank branch it is in Perambra.
• It helps NEFT, RTGS, and IMPS systems route the transfer securely.
• It prevents confusion between different branches of the same bank in places like Perambra and Kozhikode.
• It reduces errors in fund transfers and improves accuracy.
• It helps the sender banks to validate and confirm branch details before processing payments.

It makes sure that money sent to Esaf Small Finance Bank Limited in Perambra reaches the right place, even though there are thousands of branches in Kerala and across India.

Format of the IFSC Code ESMF0001412

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 Perambra in Perambra.

For example, the IFSC Code ESMF0001412 of Esaf Small Finance Bank Limited for the Perambra branch includes these elements, identifying the bank and the branch location in Perambra and Kerala accurately.

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

If you are trying to find the IFSC Code ESMF0001412 of Esaf Small Finance Bank Limited for its Perambra branch located in Perambra, the following methods can help:

Cheque Book

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

Passbook

You can easily find the IFSC and MICR codes because most banks, including Esaf Small Finance Bank Limited branches in Perambra and Kozhikode, print them on the first page of your passbook.

Bank Website

Visit the official website of Esaf Small Finance Bank Limited and navigate to the branch locator section. Search for Perambra or Perambra to get the exact IFSC Code ESMF0001412.

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 keeps an updated list of all IFSC codes. If you search for Esaf Small Finance Bank Limited and Perambra, you'll get the correct details.

How to Use IFSC Code ESMF0001412 for Online Transfers?

Once you have the IFSC Code ESMF0001412 for the Perambra branch of Esaf Small Finance Bank Limited in Perambra, you can initiate your fund transfers using any digital method:

NEFT

Add beneficiary details including the name, account number, and IFSC Code ESMF0001412. Transfers are processed in batches. This is 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. Requires the recipient's account details and Esaf Small Finance Bank Limited IFSC Code ESMF0001412.

Regardless of the method you choose, the accuracy of the IFSC Code is crucial. Any mistake in entering the IFSC Code for Esaf Small Finance Bank Limited Perambra in Perambra may result in delayed or failed transactions.

Finding the MICR Code

MICR codes are used for check clearances and are not the same as IFSC codes. If you are searching for the MICR code of Esaf Small Finance Bank Limited in Perambra, you can find it by any of the following ways:

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

Having both IFSC and MICR codes helps account holders in Perambra manage online transfers as well as cheque clearances with ease.