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

Below are the complete branch details for Esaf Small Finance Bank Limited, CHINNAMANNUR branch, located in CHINNAMANNUR, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is ESMF0001460. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case ESMF0001460 for Esaf Small Finance Bank Limited – CHINNAMANNUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Esaf Small Finance Bank Limited's CHINNAMANNUR branch, the IFSC ESMF0001460 breaks down as follows: ESMF identifies the bank, 0 is the reserved character, and 001460 identifies this particular branch.

Branch details at a glance

About Esaf Small Finance Bank Limited

Esaf Small Finance Bank Limited operates a wide network of branches across India, including the Chinnamannur branch in Chinnamannur. 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, ESMF0001460.

Chinnamannur branch overview

Located at NO 175,V.K.R COMPLEX,KARUKATTANKULAM,CUMBUM ROAD,CHINNAMANUR PO,625515, the Chinnamannur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESMF0001460 is required for all interbank electronic transfers routed through this branch.

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 CHINNAMANNUR branch came to be assigned the code ESMF0001460.

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 ESMF0001460, money simply cannot be routed to the CHINNAMANNUR branch electronically.

How to transfer money using IFSC ESMF0001460

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 ESMF0001460 across all three.

How to use IFSC ESMF0001460 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 CHINNAMANNUR 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 ESMF0001460.
4. Confirm the bank name auto-populates as Esaf Small Finance Bank Limited and the branch as CHINNAMANNUR.
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 CHINNAMANNUR

If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's CHINNAMANNUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001460 while initiating the transfer and the credit will appear within minutes.

IMPS to Esaf Small Finance Bank Limited CHINNAMANNUR (IFSC ESMF0001460)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001460 in your mobile or internet banking app, and the money is credited to the CHINNAMANNUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chinnamannur

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC ESMF0001460:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at CHINNAMANNUR is still linked to IFSC ESMF0001460.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

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 CHINNAMANNUR branch, the IFSC ESMF0001460 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.

Products and account variants supported

Every account opened at the Chinnamannur branch is mapped to IFSC ESMF0001460 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 ESMF0001460.

Banking services available

The Chinnamannur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4549-7356485123.

• 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 ESMF0001460

MICR & cheque-truncation details

Cheques drawn on the Chinnamannur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESMF0001460 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC ESMF0001460

Esaf Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHINNAMANNUR 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 ESMF0001460 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 – CHINNAMANNUR:

• The IFSC is exactly ESMF0001460 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 CHINNAMANNUR 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.

Reaching the branch

The Chinnamannur branch sits at NO 175,V.K.R COMPLEX,KARUKATTANKULAM,CUMBUM ROAD,CHINNAMANUR PO,625515. If you are travelling from outside Chinnamannur, search for the branch on a maps application using the bank name and locality, or call 4549-7356485123 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 ESMF0001460 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESMF0001460 for Esaf Small Finance Bank Limited – CHINNAMANNUR, 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 Chinnamannur 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 ESMF0001460 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ESMF0001460 belongs to Esaf Small Finance Bank Limited's CHINNAMANNUR branch, located at NO 175,V.K.R COMPLEX,KARUKATTANKULAM,CUMBUM ROAD,CHINNAMANUR PO,625515 in CHINNAMANNUR, 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.