IFSC Code of Esaf Small Finance Bank Limited, Ambalapara Ii Branch, Kerala

Use this page as a one-stop reference for everything related to Esaf Small Finance Bank Limited's AMBALAPARA II branch in AMBALAPARA II, KERALA. The branch's IFSC code ESMF0001499 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Esaf Small Finance Bank Limited – AMBALAPARA II is ESMF0001499. The first four letters ESMF are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001499 map to this branch in AMBALAPARA II, KERALA.

Bank profile

Esaf Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Ambalapara Ii branch — IFSC ESMF0001499 — extends the bank's services to customers in and around Ambalapara Ii, Kerala.

Ambalapara Ii branch overview

Located at RS.NO-422,2,3,NEAR THOUFEEQ PADI BUS STOP,AMBALAPARA II VILLAGE,679512, the Ambalapara Ii branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESMF0001499 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Esaf Small Finance Bank Limited's AMBALAPARA II branch came to be assigned the code ESMF0001499.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC ESMF0001499, money simply cannot be routed to the AMBALAPARA II branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Ambalapara Ii branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESMF0001499 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC ESMF0001499

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC ESMF0001499 across all three.

How to use IFSC ESMF0001499 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Esaf Small Finance Bank Limited's AMBALAPARA II branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC ESMF0001499.
4. Confirm the bank name auto-populates as Esaf Small Finance Bank Limited and the branch as AMBALAPARA II.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to AMBALAPARA II

If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's AMBALAPARA II branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001499 while initiating the transfer and the credit will appear within minutes.

IMPS to Esaf Small Finance Bank Limited AMBALAPARA II (IFSC ESMF0001499)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001499 in your mobile or internet banking app, and the money is credited to the AMBALAPARA II branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC ESMF0001499 for Esaf Small Finance Bank Limited – AMBALAPARA II, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Ambalapara Ii branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Esaf Small Finance Bank Limited's AMBALAPARA II branch, the IFSC ESMF0001499 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Account types you can open at the Ambalapara Ii branch

Once you have an account at Esaf Small Finance Bank Limited – AMBALAPARA II, the IFSC ESMF0001499 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Ambalapara Ii branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 491-8589978471.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC ESMF0001499

Online banking and IFSC ESMF0001499

Esaf Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the AMBALAPARA II branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC ESMF0001499 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Reaching the branch

The Ambalapara Ii branch sits at RS.NO-422,2,3,NEAR THOUFEEQ PADI BUS STOP,AMBALAPARA II VILLAGE,679512. If you are travelling from outside Ambalapara Ii, search for the branch on a maps application using the bank name and locality, or call 491-8589978471 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC ESMF0001499 and your account number.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Esaf Small Finance Bank Limited – AMBALAPARA II:

• The IFSC is exactly ESMF0001499 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Esaf Small Finance Bank Limited as the bank name and AMBALAPARA II as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Working hours

Branch counters at Ambalapara Ii are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to ESMF0001499 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESMF0001499 for Esaf Small Finance Bank Limited – AMBALAPARA II, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESMF0001499 is the IFSC code of Esaf Small Finance Bank Limited, AMBALAPARA II branch, in AMBALAPARA II, KERALA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.