Overview of IFSC Code ESMF0001704: The IFSC code ESMF0001704 uniquely identifies the Esaf Small Finance Bank Limited branch located at Kalkandy in the Palakkad district of Kerala. This 11-digit alphanumeric code is mandatory for routing electronic fund transfers like NEFT, RTGS, and IMPS to the correct bank account.

IFSC Code ESMF0001704 - Esaf Small Finance Bank Limited Kalkandy

ESMF0001704 Esaf Small Finance Bank Limited Kalkandy Palakkad Kerala

NO 558 TO 559 K M PLAZA THAVALAM P O PALAKKAD KERALA 678582

View all Esaf Small Finance Bank Limited branches
Quick Info

IFSC: ESMF0001704

Pincode: 678582

District: Palakkad

Status: Active

About Esaf Small Finance Bank Limited Kalkandy

IFSC Code ESMF0001704 belongs to Esaf Small Finance Bank Limited Kalkandy branch located in Kalkandy, Palakkad, Kerala. This branch serves customers in Kalkandy, Palakkad, Kerala and surrounding areas.

Understanding IFSC Code ESMF0001704

The IFSC (Indian Financial System Code) ESMF0001704 is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify this specific bank branch. The code structure follows a specific format:

  • First 4 characters (ESMF): Bank code identifying Esaf Small Finance Bank Limited
  • 5th character (0): Reserved for future use (always 0)
  • Last 6 characters (001704): Unique branch identifier for Kalkandy
Electronic Fund Transfer Services

IFSC Code ESMF0001704 is essential for all electronic fund transfers in India. This code ensures that money transfers are routed to the correct bank branch. The following payment systems use IFSC codes:

NEFT (National Electronic Funds Transfer)

Batch processing system for fund transfers. Available Yes at this branch.

Processing: Multiple batches daily, typically settles within 2 hours during banking hours.

RTGS (Real Time Gross Settlement)

Real-time fund transfer for high-value transactions (minimum ₹2 lakh). Available Yes at this branch.

Processing: Real-time settlement, typically within minutes during RTGS hours.

IMPS (Immediate Payment Service)

24/7 instant fund transfer service via mobile or internet banking. Available Yes at this branch.

Processing: Instant transfer, available 24/7 including holidays.

UPI (Unified Payments Interface)

Instant mobile payment system using UPI ID or QR code. Available Yes at this branch.

Processing: Instant transfer, available 24/7, no IFSC code needed for UPI transactions.

Branch Location and Accessibility

The Esaf Small Finance Bank Limited Kalkandy branch is located at NO 558 TO 559 K M PLAZA THAVALAM P O PALAKKAD KERALA 678582 (Pincode: 678582) in Kalkandy, Palakkad, Kerala. This location serves customers in Kalkandy, Palakkad, Kerala and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code ESMF0001704 to ensure the transaction is routed correctly.

How to Use IFSC Code ESMF0001704

When making online fund transfers to an account at this branch, you will need:

  1. IFSC Code: ESMF0001704 (for NEFT, RTGS, IMPS)
  2. Account Number: The recipient's account number
  3. Account Holder Name: As registered with the bank
Important: Always verify the IFSC code before initiating any fund transfer. Incorrect IFSC codes can result in failed transactions or funds being sent to the wrong branch. This IFSC code information is verified from official Reserve Bank of India (RBI) records and is updated regularly to ensure accuracy.
Finding Other Esaf Small Finance Bank Limited Branches

If you're looking for other Esaf Small Finance Bank Limited branches in Kalkandy, Palakkad, Kerala or nearby areas, use our Esaf Small Finance Bank Limited branch finder. You can search by city, district, or state to find all Esaf Small Finance Bank Limited branches with their respective IFSC codes.

Branch Details
IFSC Code: ESMF0001704
Bank Name: Esaf Small Finance Bank Limited
Branch Name: Kalkandy
Address: NO 558 TO 559 K M PLAZA THAVALAM P O PALAKKAD KERALA 678582
City: Kalkandy
District: Palakkad
State: Kerala
Pincode: 678582
Payment Services Available
NEFT
Available
RTGS
Available
IMPS
Available
UPI
Available
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Esaf Small Finance Bank Limited Kalkandy Branch IFSC Code ESMF0001704 — Complete Banking Guide for Kalkandy, Kerala

IFSC code ESMF0001704 belongs to the Kalkandy branch of Esaf Small Finance Bank Limited in Kalkandy, Palakkad district, Kerala. This 11-character code, assigned by the Reserve Bank of India, is mandatory for all digital fund transfers — NEFT, RTGS, IMPS, and UPI. Every payment initiated to an account at this branch must include IFSC ESMF0001704 to ensure accurate routing through India's centralised payment infrastructure. Providing an incorrect IFSC may delay or fail the transaction, so always verify the code before confirming any transfer.

About Esaf Small Finance Bank Limited, Kalkandy Branch

The Kalkandy branch of Esaf Small Finance Bank Limited in Kalkandy, Kerala serves retail and corporate customers in Palakkad district with a full range of banking products. Services typically include savings and current accounts, fixed and recurring deposits, personal and home loans, vehicle finance, trade finance, locker facilities, and wealth management. The branch also supports digital banking — internet banking, mobile banking, UPI, and contactless debit/credit card issuance. Its IFSC ESMF0001704 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.

Payment Methods Using IFSC ESMF0001704

Four primary digital payment rails use IFSC ESMF0001704 for transfers to Esaf Small Finance Bank Limited, Kalkandy: NEFT — batch-based, 48 half-hourly settlements daily, no minimum amount, ideal for regular transfers; RTGS — real-time, 24×7, minimum ₹2 lakh, used for high-value transactions; IMPS — instant, 24×7, up to ₹5 lakh, best for urgent transfers; UPI — uses Virtual Payment Address (VPA) linked to accounts at this branch, instant and zero-cost for most transactions. For each method, the sender's bank verifies IFSC ESMF0001704 against the RBI IFSC master list before processing the payment.

MICR Code and Branch Details

In addition to the IFSC, the Kalkandy branch of Esaf Small Finance Bank Limited in Kalkandy carries a MICR (Magnetic Ink Character Recognition) code — a 9-digit number printed on cheques that identifies the bank, city, and branch for cheque clearing through the MICR-based clearing system. While NEFT/RTGS/IMPS use the IFSC ESMF0001704 exclusively for electronic transfers, MICR remains relevant for paper-based cheque processing. Both codes are listed on this page for complete branch reference.

How to Verify IFSC ESMF0001704 Before Transferring

Before initiating any high-value transfer to IFSC ESMF0001704, verify the code through: (1) the RBI's official IFSC repository at rbi.org.in; (2) Esaf Small Finance Bank Limited's official website branch locator; (3) MahaFind's IFSC lookup — the page you are currently viewing. Cross-reference the branch address and bank name displayed here against the details provided by your recipient to confirm accuracy. A mismatch in even one character of the IFSC can reroute your transfer to a different branch entirely.

FAQs — Esaf Small Finance Bank Limited Kalkandy, Kalkandy IFSC

What is the IFSC of Esaf Small Finance Bank Limited Kalkandy in Kalkandy?

The IFSC of Esaf Small Finance Bank Limited, Kalkandy branch in Kalkandy, Kerala is ESMF0001704. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.

What is the minimum amount for NEFT to IFSC ESMF0001704?

There is no minimum amount for NEFT transfers. You can send as little as ₹1. RTGS requires a minimum of ₹2 lakh. IMPS supports up to ₹5 lakh per transaction. All three use IFSC ESMF0001704 to route funds to Esaf Small Finance Bank Limited, Kalkandy, Kalkandy.

Who assigns IFSC codes like ESMF0001704?

The Reserve Bank of India (RBI) assigns all IFSC codes in India. Esaf Small Finance Bank Limited applied for the IFSC for its Kalkandy branch in Kalkandy, and RBI issued ESMF0001704 as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.

Can I use IFSC ESMF0001704 for UPI payments?

UPI payments are linked to a Virtual Payment Address (VPA) rather than an IFSC directly, but the underlying account is mapped to IFSC ESMF0001704 at Esaf Small Finance Bank Limited, Kalkandy, Kalkandy. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC ESMF0001704.

About IFSC Code ESMF0001704

IFSC Code ESMF0001704 belongs to Esaf Small Finance Bank Limited branch Kalkandy located in Kalkandy, Palakkad, Kerala.

Branch Information

  • IFSC Code: ESMF0001704
  • Bank: Esaf Small Finance Bank Limited
  • Branch: Kalkandy
  • Address: NO 558 TO 559 K M PLAZA THAVALAM P O PALAKKAD KERALA 678582
  • City: Kalkandy
  • District: Palakkad
  • State: Kerala
  • Pincode: 678582

Payment Services

  • NEFT: Available
  • RTGS: Available
  • IMPS: Available
  • UPI: Available
Note: IFSC (Indian Financial System Code) is an 11-character code used to identify bank branches for electronic fund transfers (NEFT, RTGS, IMPS). Always verify the IFSC code before initiating any transaction.

Frequently Asked Questions

IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches for electronic fund transfers. You can find IFSC code using our IFSC code search tool by entering the bank name, branch name, or the IFSC code itself.

To check IFSC code, use our IFSC code search tool. Enter the bank name and branch name, or search by IFSC code directly. You can also find banks near me by searching with your location.

IFSC code format consists of 11 characters: first 4 characters represent the bank name, followed by a zero (0), and the last 6 characters represent the branch code. For example, HDFC0001234 where HDFC is the bank code and 001234 is the branch code.

To find banks near me, use our IFSC finder tool. Enter your city or location, and we will show you all nearby bank branches with their IFSC codes, addresses, and contact details.

IFSC code is used for electronic fund transfers (NEFT, RTGS, IMPS) and is 11 characters long. MICR code is used for cheque processing and is 9 digits long. Both codes uniquely identify a bank branch.

You can verify IFSC code using our check IFSC code tool. Enter the IFSC code, and we will display the complete branch details including bank name, branch name, address, and available payment services (NEFT, RTGS, IMPS, UPI).

Yes, IFSC code is required for all electronic fund transfer methods including NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service). Our tool shows which services are available for each branch.

To get IFSC code by bank name and branch, use our search tool. Select "Search by Bank & Branch" option, enter the bank name (e.g., Esaf Small Finance Bank Limited) and branch name, and we will display the complete IFSC code details.