IFSC Code of Esaf Small Finance Bank Limited, Kotappadi Part Meppadi Branch, Kerala

If you are searching for the IFSC code of Esaf Small Finance Bank Limited, KOTAPPADI PART MEPPADI branch in KOTAPPADI PART MEPPADI, KERALA, this page has every detail you need. The verified IFSC code for this branch is ESMF0001535. 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 KOTAPPADI PART MEPPADI branch, and detailed step-by-step guides for using the IFSC ESMF0001535 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 – KOTAPPADI PART MEPPADI is ESMF0001535. The first four letters ESMF are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001535 map to this branch in KOTAPPADI PART MEPPADI, KERALA.

Branch details at a glance

Bank profile

Esaf Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Kotappadi Part Meppadi branch — IFSC ESMF0001535 — extends the bank's services to customers in and around Kotappadi Part Meppadi, Kerala.

Kotappadi Part Meppadi branch overview

Located at DOOR NO 5 789,OOTY MAIN ROAD,OPP ST JOSEPH CHURCH,MEPPADI P O,WAYANAD,KERALA,673577, the Kotappadi Part Meppadi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESMF0001535 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 KOTAPPADI PART MEPPADI branch came to be assigned the code ESMF0001535.

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 ESMF0001535, money simply cannot be routed to the KOTAPPADI PART MEPPADI branch electronically.

How to transfer money using IFSC ESMF0001535

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 ESMF0001535 across all three.

How to use IFSC ESMF0001535 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 KOTAPPADI PART MEPPADI 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 ESMF0001535.
4. Confirm the bank name auto-populates as Esaf Small Finance Bank Limited and the branch as KOTAPPADI PART MEPPADI.
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 KOTAPPADI PART MEPPADI

If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's KOTAPPADI PART MEPPADI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001535 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 – KOTAPPADI PART MEPPADI, use IMPS. With IFSC ESMF0001535 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Kotappadi Part Meppadi

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 ESMF0001535:

• 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 KOTAPPADI PART MEPPADI is still linked to IFSC ESMF0001535.

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.

UPI payments and IFSC ESMF0001535

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 – KOTAPPADI PART MEPPADI is still mapped to IFSC ESMF0001535. 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 ESMF0001535 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kotappadi Part Meppadi branch is mapped to IFSC ESMF0001535 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 ESMF0001535.

Banking services available

The Kotappadi Part Meppadi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4936-8589919200.

• 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 ESMF0001535

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 ESMF0001535 and the account number together uniquely identify the Kotappadi Part Meppadi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Kotappadi Part Meppadi 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 ESMF0001535 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.

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 – KOTAPPADI PART MEPPADI:

• The IFSC is exactly ESMF0001535 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 KOTAPPADI PART MEPPADI 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 Kotappadi Part Meppadi branch sits at DOOR NO 5 789,OOTY MAIN ROAD,OPP ST JOSEPH CHURCH,MEPPADI P O,WAYANAD,KERALA,673577. If you are travelling from outside Kotappadi Part Meppadi, search for the branch on a maps application using the bank name and locality, or call 4936-8589919200 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 ESMF0001535 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESMF0001535 for Esaf Small Finance Bank Limited – KOTAPPADI PART MEPPADI, 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 Kotappadi Part Meppadi 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 ESMF0001535 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ESMF0001535 belongs to Esaf Small Finance Bank Limited's KOTAPPADI PART MEPPADI branch, located at DOOR NO 5 789,OOTY MAIN ROAD,OPP ST JOSEPH CHURCH,MEPPADI P… in KOTAPPADI PART MEPPADI, 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.