Below are the complete branch details for Esaf Small Finance Bank Limited, KALPAKANCHERI branch, located in KALPAKANCHERI, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is ESMF0001642. 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 ESMF0001642 for Esaf Small Finance Bank Limited – KALPAKANCHERI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – KALPAKANCHERI is ESMF0001642. The first four letters ESMF are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001642 map to this branch in KALPAKANCHERI, KERALA.
About Esaf Small Finance Bank Limited
Esaf Small Finance Bank Limited operates a wide network of branches across India, including the Kalpakancheri branch in Kalpakancheri. 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, ESMF0001642.
Branch details at a glance
| Bank Name | Esaf Small Finance Bank Limited |
|---|---|
| Branch | Kalpakancheri |
| IFSC Code | ESMF0001642 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DOOR NO 13 533 CC COMPLEX KALPAKANCHERI P O MALAPPURAM KERALA 676551 |
| City | Kalpakancheri |
| District | Malappuram |
| State | Kerala |
| STD Code | 494 |
| Phone | 9288093330 |
About the Kalpakancheri branch
The Kalpakancheri branch of Esaf Small Finance Bank Limited is situated at DOOR NO 13 533 CC COMPLEX KALPAKANCHERI P O MALAPPURAM KERALA 676551. 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 ESMF0001642 is used.
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 KALPAKANCHERI of Esaf Small Finance Bank Limited — its own 11-character IFSC. The code ESMF0001642 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 ESMF0001642 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 Kalpakancheri branch is mapped to IFSC ESMF0001642 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 ESMF0001642.
Products and services
Customers walking into the Kalpakancheri 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 ESMF0001642
How to transfer money using IFSC ESMF0001642
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 ESMF0001642 across all three.
NEFT to Esaf Small Finance Bank Limited, KALPAKANCHERI using IFSC ESMF0001642
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 ESMF0001642, and confirm that the system picks up Esaf Small Finance Bank Limited – KALPAKANCHERI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC ESMF0001642
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 – KALPAKANCHERI, ensure your bank's portal accepts IFSC ESMF0001642 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Esaf Small Finance Bank Limited – KALPAKANCHERI, use IMPS. With IFSC ESMF0001642 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 ESMF0001642 for Esaf Small Finance Bank Limited – KALPAKANCHERI, 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 – ESMF0001642 | Yes – ESMF0001642 | Yes – ESMF0001642 |
For most retail customers crediting the Kalpakancheri 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 ESMF0001642
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 – KALPAKANCHERI is still mapped to IFSC ESMF0001642. 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 ESMF0001642 and the beneficiary's account number to complete the transfer.
Online banking and IFSC ESMF0001642
Esaf Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KALPAKANCHERI 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 ESMF0001642 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 ESMF0001642 and the account number together uniquely identify the Kalpakancheri branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – KALPAKANCHERI:
- The IFSC is exactly ESMF0001642 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 KALPAKANCHERI 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 Kalpakancheri branch sits at DOOR NO 13 533 CC COMPLEX KALPAKANCHERI P O MALAPPURAM KERALA 676551. If you are travelling from outside Kalpakancheri, search for the branch on a maps application using the bank name and locality, or call 494-9288093330 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 ESMF0001642 and your account number.
Verifying IFSC ESMF0001642 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 ESMF0001642 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 494-9288093330.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Kalpakancheri branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESMF0001642, however, work 24x7.
Branch address & contact
Esaf Small Finance Bank LimitedKalpakancheri Branch
DOOR NO 13 533 CC COMPLEX KALPAKANCHERI P O MALAPPURAM KERALA 676551
Kalpakancheri, Kerala
Phone: 494-9288093330
IFSC: ESMF0001642
Frequently asked questions
What is the phone number of Esaf Small Finance Bank Limited Kalpakancheri branch?
You can reach the branch at 494-9288093330 during regular banking hours.
Where is Esaf Small Finance Bank Limited Kalpakancheri branch located?
Esaf Small Finance Bank Limited's Kalpakancheri branch is located at DOOR NO 13 533 CC COMPLEX KALPAKANCHERI P O MALAPPURAM KERALA 676551, Kalpakancheri, Kerala.
Can I use IFSC ESMF0001642 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC ESMF0001642 to send funds instantly.
How do I add Esaf Small Finance Bank Limited Kalpakancheri as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC ESMF0001642, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using ESMF0001642 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Esaf Small Finance Bank Limited – Kalpakancheri reflect within 30 minutes.
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 Kalpakancheri branch but serve different purposes.
Does Esaf Small Finance Bank Limited Kalpakancheri branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 494-9288093330 to confirm.
Is IFSC ESMF0001642 the same for all accounts at Kalpakancheri branch?
Yes. The IFSC ESMF0001642 is shared by every account held at Esaf Small Finance Bank Limited's Kalpakancheri branch. Only the account number changes from customer to customer.
Summary
The IFSC code ESMF0001642 belongs to Esaf Small Finance Bank Limited's KALPAKANCHERI branch, located at DOOR NO 13 533 CC COMPLEX KALPAKANCHERI P O MALAPPURAM KERALA 676551 in KALPAKANCHERI, 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.
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