IFSC Code of Esaf Small Finance Bank Limited, Lakkidi Perur Ii Pathiripala Branch, Kerala

Use this page as a one-stop reference for everything related to Esaf Small Finance Bank Limited's LAKKIDI PERUR II PATHIRIPALA branch in LAKKIDI PERUR II PATHIRIPALA, KERALA. The branch's IFSC code ESMF0001519 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, ESMF0001519 is the IFSC of Esaf Small Finance Bank Limited's LAKKIDI PERUR II PATHIRIPALA branch. The format is fixed: ESMF = bank code, 0 = reserved, 001519 = branch identifier.

Bank profile

Esaf Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Lakkidi Perur Ii Pathiripala branch — IFSC ESMF0001519 — extends the bank's services to customers in and around Lakkidi Perur Ii Pathiripala, Kerala.

About this branch

The branch is located at NO 6 939 943,THACHOOS ARCADE,PALAKKAD PONNANI ROAD,LAKKIDI PERUR II VILLAGE,PALAKKAD,679302. It serves the Lakkidi Perur Ii Pathiripala region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Esaf Small Finance Bank Limited. The IFSC ESMF0001519 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 LAKKIDI PERUR II PATHIRIPALA of Esaf Small Finance Bank Limited — its own 11-character IFSC. The code ESMF0001519 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 ESMF0001519 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Lakkidi Perur Ii Pathiripala branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESMF0001519 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC ESMF0001519

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 ESMF0001519 across all three.

How to use IFSC ESMF0001519 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 LAKKIDI PERUR II PATHIRIPALA 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 ESMF0001519.
4. Confirm the bank name auto-populates as Esaf Small Finance Bank Limited and the branch as LAKKIDI PERUR II PATHIRIPALA.
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 LAKKIDI PERUR II PATHIRIPALA

If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's LAKKIDI PERUR II PATHIRIPALA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001519 while initiating the transfer and the credit will appear within minutes.

IMPS to Esaf Small Finance Bank Limited LAKKIDI PERUR II PATHIRIPALA (IFSC ESMF0001519)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001519 in your mobile or internet banking app, and the money is credited to the LAKKIDI PERUR II PATHIRIPALA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Lakkidi Perur Ii Pathiripala

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 ESMF0001519:

• 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 LAKKIDI PERUR II PATHIRIPALA is still linked to IFSC ESMF0001519.

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 LAKKIDI PERUR II PATHIRIPALA branch, the IFSC ESMF0001519 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.

Account types you can open at the Lakkidi Perur Ii Pathiripala branch

Once you have an account at Esaf Small Finance Bank Limited – LAKKIDI PERUR II PATHIRIPALA, the IFSC ESMF0001519 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 Lakkidi Perur Ii Pathiripala 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 ESMF0001519

Online banking and IFSC ESMF0001519

Esaf Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the LAKKIDI PERUR II PATHIRIPALA 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 ESMF0001519 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.

Reaching the branch

The Lakkidi Perur Ii Pathiripala branch sits at NO 6 939 943,THACHOOS ARCADE,PALAKKAD PONNANI ROAD,LAKKIDI PERUR II VILLAGE,PALAKKAD,679302. If you are travelling from outside Lakkidi Perur Ii Pathiripala, search for the branch on a maps application using the bank name and locality, or call 491-9288093103 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 ESMF0001519 and your account number.

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 – LAKKIDI PERUR II PATHIRIPALA:

• The IFSC is exactly ESMF0001519 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 LAKKIDI PERUR II PATHIRIPALA 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.

Working hours

Branch counters at Lakkidi Perur Ii Pathiripala 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 ESMF0001519 continue to work without interruption.

Verifying IFSC ESMF0001519 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 ESMF0001519 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 491-9288093103.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ESMF0001519 belongs to Esaf Small Finance Bank Limited's LAKKIDI PERUR II PATHIRIPALA branch, located at NO 6 939 943,THACHOOS ARCADE,PALAKKAD PONNANI ROAD,LAKKIDI PERUR II… in LAKKIDI PERUR II PATHIRIPALA, 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.