Use this page as a one-stop reference for everything related to Esaf Small Finance Bank Limited's KANNUR branch in KANNUR, KERALA. The branch's IFSC code ESMF0001159 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.
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 – KANNUR is ESMF0001159. The first four letters ESMF are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001159 map to this branch in KANNUR, 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 Kannur branch in Kannur, Kerala is part of this network and uses the IFSC code ESMF0001159 for all electronic settlement.
Branch details at a glance
| Bank Name | Esaf Small Finance Bank Limited |
|---|---|
| Branch | Kannur |
| IFSC Code | ESMF0001159 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR,TTN 9,794,PRAKANS BUILDING,THAVAKARRA,KANNUR,KANNUR 670002 |
| City | Kannur |
| District | Kannur |
| State | Kerala |
| STD Code | 497 |
| Phone | 8589904300 |
Kannur branch overview
Located at GROUND FLOOR,TTN 9,794,PRAKANS BUILDING,THAVAKARRA,KANNUR,KANNUR 670002, the Kannur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESMF0001159 is required for all interbank electronic transfers routed through this branch.
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 KANNUR of Esaf Small Finance Bank Limited — its own 11-character IFSC. The code ESMF0001159 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 ESMF0001159 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Kannur branch
Once you have an account at Esaf Small Finance Bank Limited – KANNUR, the IFSC ESMF0001159 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.
Banking services available
The Kannur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 497-8589904300.
- 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 ESMF0001159
How to transfer money using IFSC ESMF0001159
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 ESMF0001159 across all three.
NEFT to Esaf Small Finance Bank Limited, KANNUR using IFSC ESMF0001159
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 ESMF0001159, and confirm that the system picks up Esaf Small Finance Bank Limited – KANNUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC ESMF0001159
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 – KANNUR, ensure your bank's portal accepts IFSC ESMF0001159 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 – KANNUR, use IMPS. With IFSC ESMF0001159 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 ESMF0001159 for Esaf Small Finance Bank Limited – KANNUR, 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 – ESMF0001159 | Yes – ESMF0001159 | Yes – ESMF0001159 |
For most retail customers crediting the Kannur 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 ESMF0001159
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 – KANNUR is still mapped to IFSC ESMF0001159. 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 ESMF0001159 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Kannur branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC ESMF0001159 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
MICR & cheque-truncation details
Cheques drawn on the Kannur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESMF0001159 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – KANNUR:
- The IFSC is exactly ESMF0001159 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 KANNUR 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 Kannur branch
The branch is located at GROUND FLOOR,TTN 9,794,PRAKANS BUILDING,THAVAKARRA,KANNUR,KANNUR 670002, which puts it inside Kannur, the broader Kannur district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Esaf Small Finance Bank Limited Kannur branch” — the verified location pin for IFSC ESMF0001159 should appear at the top of the results.
- Confirm the branch is open by calling 497-8589904300 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 ESMF0001159 and your account number.
Verifying IFSC ESMF0001159 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 ESMF0001159 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 497-8589904300.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Kannur 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 ESMF0001159 continue to work without interruption.
Branch address & contact
Esaf Small Finance Bank LimitedKannur Branch
GROUND FLOOR,TTN 9,794,PRAKANS BUILDING,THAVAKARRA,KANNUR,KANNUR 670002
Kannur, Kerala
Phone: 497-8589904300
IFSC: ESMF0001159
Frequently asked questions
Is IFSC ESMF0001159 the same for all accounts at Kannur branch?
Yes. The IFSC ESMF0001159 is shared by every account held at Esaf Small Finance Bank Limited's Kannur branch. Only the account number changes from customer to customer.
Can I use IFSC ESMF0001159 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC ESMF0001159 to send funds instantly.
Where is Esaf Small Finance Bank Limited Kannur branch located?
Esaf Small Finance Bank Limited's Kannur branch is located at GROUND FLOOR,TTN 9,794,PRAKANS BUILDING,THAVAKARRA,KANNUR,KANNUR 670002, Kannur, Kerala.
How do I add Esaf Small Finance Bank Limited Kannur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC ESMF0001159, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Esaf Small Finance Bank Limited Kannur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 497-8589904300 to confirm.
Is IFSC ESMF0001159 valid for NEFT and RTGS?
Yes. IFSC ESMF0001159 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using ESMF0001159 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Esaf Small Finance Bank Limited – Kannur reflect within 30 minutes.
Summary
The IFSC code ESMF0001159 belongs to Esaf Small Finance Bank Limited's KANNUR branch, located at GROUND FLOOR,TTN 9,794,PRAKANS BUILDING,THAVAKARRA,KANNUR,KANNUR 670002 in KANNUR, 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.
