IFSC Code of Esaf Small Finance Bank Limited, Chennai Thiruvanmiyur Branch, Tamil Nadu

Use this page as a one-stop reference for everything related to Esaf Small Finance Bank Limited's CHENNAI THIRUVANMIYUR branch in CHENNAI THIRUVANMIYUR, TAMIL NADU. The branch's IFSC code ESMF0001421 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.

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, ESMF0001421 is the IFSC of Esaf Small Finance Bank Limited's CHENNAI THIRUVANMIYUR branch. The format is fixed: ESMF = bank code, 0 = reserved, 001421 = branch identifier.

Branch details at a glance

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 Chennai Thiruvanmiyur branch in Chennai Thiruvanmiyur, Tamil Nadu is part of this network and uses the IFSC code ESMF0001421 for all electronic settlement.

About the Chennai Thiruvanmiyur branch

The Chennai Thiruvanmiyur branch of Esaf Small Finance Bank Limited is situated at 1 356 KALATHUMETTU STREET,KOTTIVAKKAM PO,CHENNAI,600041. 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 ESMF0001421 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 CHENNAI THIRUVANMIYUR branch came to be assigned the code ESMF0001421.

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 ESMF0001421, money simply cannot be routed to the CHENNAI THIRUVANMIYUR branch electronically.

How to transfer money using IFSC ESMF0001421

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 ESMF0001421 across all three.

NEFT to Esaf Small Finance Bank Limited, CHENNAI THIRUVANMIYUR using IFSC ESMF0001421

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 ESMF0001421, and confirm that the system picks up Esaf Small Finance Bank Limited – CHENNAI THIRUVANMIYUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC ESMF0001421

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 – CHENNAI THIRUVANMIYUR, ensure your bank's portal accepts IFSC ESMF0001421 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Esaf Small Finance Bank Limited CHENNAI THIRUVANMIYUR (IFSC ESMF0001421)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001421 in your mobile or internet banking app, and the money is credited to the CHENNAI THIRUVANMIYUR branch account within seconds.

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

All three modes accept the IFSC ESMF0001421 for Esaf Small Finance Bank Limited – CHENNAI THIRUVANMIYUR, 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 Chennai Thiruvanmiyur 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 ESMF0001421

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 – CHENNAI THIRUVANMIYUR is still mapped to IFSC ESMF0001421. 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 ESMF0001421 and the beneficiary's account number to complete the transfer.

Account types you can open at the Chennai Thiruvanmiyur branch

Once you have an account at Esaf Small Finance Bank Limited – CHENNAI THIRUVANMIYUR, the IFSC ESMF0001421 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 Chennai Thiruvanmiyur 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 ESMF0001421

MICR & cheque-truncation details

Cheques drawn on the Chennai Thiruvanmiyur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESMF0001421 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC ESMF0001421

Esaf Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHENNAI THIRUVANMIYUR 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 ESMF0001421 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.

Common mistakes to avoid when using IFSC ESMF0001421

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 – CHENNAI THIRUVANMIYUR, 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: ESMF0001421.
• 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 Chennai Thiruvanmiyur branch sits at 1 356 KALATHUMETTU STREET,KOTTIVAKKAM PO,CHENNAI,600041. If you are travelling from outside Chennai Thiruvanmiyur, search for the branch on a maps application using the bank name and locality, or call 44-9288013316 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 ESMF0001421 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESMF0001421 for Esaf Small Finance Bank Limited – CHENNAI THIRUVANMIYUR, 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.

Working hours

Branch counters at Chennai Thiruvanmiyur 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 ESMF0001421 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESMF0001421 is the IFSC code of Esaf Small Finance Bank Limited, CHENNAI THIRUVANMIYUR branch, in CHENNAI THIRUVANMIYUR, TAMIL NADU. 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.