If you are searching for the IFSC code of Esaf Small Finance Bank Limited, AREEKODE branch in AREEKODE, KERALA, this page has every detail you need. The verified IFSC code for this branch is ESMF0001391. 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 AREEKODE branch, and detailed step-by-step guides for using the IFSC ESMF0001391 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.
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 – AREEKODE is ESMF0001391. The first four letters ESMF are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001391 map to this branch in AREEKODE, KERALA.
About the bank
Esaf Small Finance Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Areekode branch in Areekode, Kerala is part of this network and uses the IFSC code ESMF0001391 for all electronic settlement.
Branch details at a glance
| Bank Name | Esaf Small Finance Bank Limited |
|---|---|
| Branch | Areekode |
| IFSC Code | ESMF0001391 |
| MICR Code | Refer to cheque leaf |
| Branch Address | N K TOWER,NEAR MASJID MUJAHIDEEN,EDAV ANAPARA ROAD,AREEKODE,MALAPPURAM,KERALA,673639 |
| City | Areekode |
| District | Malappuram |
| State | Kerala |
| STD Code | 494 |
| Phone | 9288092250 |
About this branch
The branch is located at N K TOWER,NEAR MASJID MUJAHIDEEN,EDAV ANAPARA ROAD,AREEKODE,MALAPPURAM,KERALA,673639. It serves the Areekode region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Esaf Small Finance Bank Limited. The IFSC ESMF0001391 is used to identify this branch on the RBI payments network.
Why every Esaf Small Finance Bank Limited branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including AREEKODE of Esaf Small Finance Bank Limited — its own 11-character IFSC. The code ESMF0001391 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC ESMF0001391 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Areekode branch is mapped to IFSC ESMF0001391 on the RBI payments network. The branch generally supports the full retail product catalogue of Esaf Small Finance Bank Limited, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains ESMF0001391.
Products and services
Customers walking into the Areekode 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 ESMF0001391
How to transfer money using IFSC ESMF0001391
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 ESMF0001391 across all three.
NEFT to Esaf Small Finance Bank Limited, AREEKODE using IFSC ESMF0001391
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 ESMF0001391, and confirm that the system picks up Esaf Small Finance Bank Limited – AREEKODE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to AREEKODE
If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's AREEKODE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001391 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Esaf Small Finance Bank Limited – AREEKODE, use IMPS. With IFSC ESMF0001391 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC ESMF0001391 for Esaf Small Finance Bank Limited – AREEKODE, 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 – ESMF0001391 | Yes – ESMF0001391 | Yes – ESMF0001391 |
For most retail customers crediting the Areekode 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 ESMF0001391
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 – AREEKODE is still mapped to IFSC ESMF0001391. 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 ESMF0001391 and the beneficiary's account number to complete the transfer.
Online banking and IFSC ESMF0001391
Esaf Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the AREEKODE 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 ESMF0001391 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.
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 ESMF0001391 and the account number together uniquely identify the Areekode branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC ESMF0001391
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Esaf Small Finance Bank Limited – AREEKODE, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
ESMF0001391. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Areekode branch sits at N K TOWER,NEAR MASJID MUJAHIDEEN,EDAV ANAPARA ROAD,AREEKODE,MALAPPURAM,KERALA,673639. If you are travelling from outside Areekode, search for the branch on a maps application using the bank name and locality, or call 494-9288092250 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 ESMF0001391 and your account number.
Verifying IFSC ESMF0001391 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 ESMF0001391 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 494-9288092250.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Areekode 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 ESMF0001391 continue to work without interruption.
Branch address & contact
Esaf Small Finance Bank LimitedAreekode Branch
N K TOWER,NEAR MASJID MUJAHIDEEN,EDAV ANAPARA ROAD,AREEKODE,MALAPPURAM,KERALA,673639
Areekode, Kerala
Phone: 494-9288092250
IFSC: ESMF0001391
Frequently asked questions
Is IFSC ESMF0001391 the same for all accounts at Areekode branch?
Yes. The IFSC ESMF0001391 is shared by every account held at Esaf Small Finance Bank Limited's Areekode branch. Only the account number changes from customer to customer.
Does Esaf Small Finance Bank Limited Areekode branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 494-9288092250 to confirm.
Is IFSC ESMF0001391 valid for NEFT and RTGS?
Yes. IFSC ESMF0001391 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Areekode branch but serve different purposes.
Where is Esaf Small Finance Bank Limited Areekode branch located?
Esaf Small Finance Bank Limited's Areekode branch is located at N K TOWER,NEAR MASJID MUJAHIDEEN,EDAV ANAPARA ROAD,AREEKODE,MALAPPURAM,KERALA,673639, Areekode, Kerala.
What is the phone number of Esaf Small Finance Bank Limited Areekode branch?
You can reach the branch at 494-9288092250 during regular banking hours.
What is the IFSC code of Esaf Small Finance Bank Limited Areekode branch?
The IFSC code of Esaf Small Finance Bank Limited, Areekode branch is ESMF0001391. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using ESMF0001391 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Esaf Small Finance Bank Limited – Areekode reflect within 30 minutes.
Summary
The IFSC code ESMF0001391 belongs to Esaf Small Finance Bank Limited's AREEKODE branch, located at N K TOWER,NEAR MASJID MUJAHIDEEN,EDAV ANAPARA… in AREEKODE, KERALA. 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.
