If you are searching for the IFSC code of Esaf Small Finance Bank Limited, ARANI branch in ARANI, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is ESMF0001464. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the ARANI branch, and detailed step-by-step guides for using the IFSC ESMF0001464 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, ESMF0001464 is the IFSC of Esaf Small Finance Bank Limited's ARANI branch. The format is fixed: ESMF = bank code, 0 = reserved, 001464 = branch identifier.
Branch details at a glance
| Bank Name | Esaf Small Finance Bank Limited |
|---|---|
| Branch | Arani |
| IFSC Code | ESMF0001464 |
| MICR Code | Refer to cheque leaf |
| Branch Address | N0 10,11,ACS GARDEN,RATTINAMANGALAM,KOOT ROAD,SEVOOR,632301 |
| City | Arani |
| District | Thiruvannamalai |
| State | Tamil Nadu |
| STD Code | 4175 |
| Phone | 7904119266 |
About Esaf Small Finance Bank Limited
Esaf Small Finance Bank Limited operates a wide network of branches across India, including the Arani branch in Arani. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, ESMF0001464.
About the Arani branch
The Arani branch of Esaf Small Finance Bank Limited is situated at N0 10,11,ACS GARDEN,RATTINAMANGALAM,KOOT ROAD,SEVOOR,632301. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code ESMF0001464 is used.
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 ARANI branch came to be assigned the code ESMF0001464.
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 ESMF0001464, money simply cannot be routed to the ARANI branch electronically.
How to transfer money using IFSC ESMF0001464
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 ESMF0001464 across all three.
NEFT to Esaf Small Finance Bank Limited, ARANI using IFSC ESMF0001464
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC ESMF0001464, and confirm that the system picks up Esaf Small Finance Bank Limited – ARANI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC ESMF0001464
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Esaf Small Finance Bank Limited – ARANI, ensure your bank's portal accepts IFSC ESMF0001464 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Esaf Small Finance Bank Limited ARANI (IFSC ESMF0001464)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001464 in your mobile or internet banking app, and the money is credited to the ARANI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC ESMF0001464 for Esaf Small Finance Bank Limited – ARANI, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – ESMF0001464 | Yes – ESMF0001464 | Yes – ESMF0001464 |
For most retail customers crediting the Arani 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.
UPI payments and IFSC ESMF0001464
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Esaf Small Finance Bank Limited – ARANI is still mapped to IFSC ESMF0001464. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC ESMF0001464 and the beneficiary's account number to complete the transfer.
Account types you can open at the Arani branch
Once you have an account at Esaf Small Finance Bank Limited – ARANI, the IFSC ESMF0001464 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.
Products and services
Customers walking into the Arani branch can access most of Esaf Small Finance Bank Limited's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC ESMF0001464
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Esaf Small Finance Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC ESMF0001464 and the account number together uniquely identify the Arani branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC ESMF0001464
Esaf Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ARANI 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 ESMF0001464 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.
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 – ARANI:
- The IFSC is exactly ESMF0001464 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 ARANI 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.
How to reach the Arani branch
The branch is located at N0 10,11,ACS GARDEN,RATTINAMANGALAM,KOOT ROAD,SEVOOR,632301, which puts it inside Arani, the broader Thiruvannamalai district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Esaf Small Finance Bank Limited Arani branch” — the verified location pin for IFSC ESMF0001464 should appear at the top of the results.
- Confirm the branch is open by calling 4175-7904119266 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC ESMF0001464 and your account number.
Verifying IFSC ESMF0001464 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm ESMF0001464 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4175-7904119266.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Arani 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 ESMF0001464 continue to work without interruption.
Branch address & contact
Esaf Small Finance Bank LimitedArani Branch
N0 10,11,ACS GARDEN,RATTINAMANGALAM,KOOT ROAD,SEVOOR,632301
Arani, Tamil Nadu
Phone: 4175-7904119266
IFSC: ESMF0001464
Frequently asked questions
Does Esaf Small Finance Bank Limited Arani branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 4175-7904119266 to confirm.
Can I use IFSC ESMF0001464 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC ESMF0001464 to send funds instantly.
What is the IFSC code of Esaf Small Finance Bank Limited Arani branch?
The IFSC code of Esaf Small Finance Bank Limited, Arani branch is ESMF0001464. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using ESMF0001464 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Esaf Small Finance Bank Limited – Arani reflect within 30 minutes.
What is the phone number of Esaf Small Finance Bank Limited Arani branch?
You can reach the branch at 4175-7904119266 during regular banking hours.
Is IFSC ESMF0001464 valid for NEFT and RTGS?
Yes. IFSC ESMF0001464 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code ESMF0001464 belongs to Esaf Small Finance Bank Limited's ARANI branch, located at N0 10,11,ACS GARDEN,RATTINAMANGALAM,KOOT ROAD,SEVOOR,632301 in ARANI, TAMIL NADU. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
