IFSC Code of Esaf Small Finance Bank Limited, NEFT Service Center Branch, Kerala

If you are searching for the IFSC code of Esaf Small Finance Bank Limited, NEFT SERVICE CENTER branch in MANNUTHY, KERALA, this page has every detail you need. The verified IFSC code for this branch is ESMF00000SC. 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 NEFT SERVICE CENTER branch, and detailed step-by-step guides for using the IFSC ESMF00000SC 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.

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 NEFT SERVICE CENTER branch, the IFSC ESMF00000SC breaks down as follows: ESMF identifies the bank, 0 is the reserved character, and 0000SC identifies this particular branch.

Bank profile

Esaf Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The NEFT Service Center branch — IFSC ESMF00000SC — extends the bank's services to customers in and around Mannuthy, Kerala.

About this branch

The branch is located at HEPZIBAH COMPLEX, SECOND FLOOR NO X/101/M4, MANNUTHY P.O, THRISSUR , KERALA 680651. It serves the Mannuthy 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 ESMF00000SC 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 NEFT SERVICE CENTER of Esaf Small Finance Bank Limited — its own 11-character IFSC. The code ESMF00000SC 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 ESMF00000SC the same way you would treat your account number — verify it once and save it carefully for future use.

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 ESMF00000SC and the account number together uniquely identify the NEFT Service Center branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC ESMF00000SC

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 ESMF00000SC across all three.

How to use IFSC ESMF00000SC 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 NEFT SERVICE CENTER 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 ESMF00000SC.
4. Confirm the bank name auto-populates as Esaf Small Finance Bank Limited and the branch as NEFT SERVICE CENTER.
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 NEFT SERVICE CENTER

If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's NEFT SERVICE CENTER branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF00000SC while initiating the transfer and the credit will appear within minutes.

IMPS to Esaf Small Finance Bank Limited NEFT SERVICE CENTER (IFSC ESMF00000SC)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF00000SC in your mobile or internet banking app, and the money is credited to the NEFT SERVICE CENTER branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to NEFT Service Center

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 ESMF00000SC:

• 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 NEFT SERVICE CENTER is still linked to IFSC ESMF00000SC.

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 ESMF00000SC

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 – NEFT SERVICE CENTER is still mapped to IFSC ESMF00000SC. 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 ESMF00000SC and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the NEFT Service Center branch is mapped to IFSC ESMF00000SC 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 ESMF00000SC.

Banking services available

The NEFT Service Center branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8046443723.

• 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 ESMF00000SC

Digital banking channels

Most day-to-day work that customers used to do at the NEFT Service Center 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 ESMF00000SC 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.

Reaching the branch

The NEFT Service Center branch sits at HEPZIBAH COMPLEX, SECOND FLOOR NO X/101/M4, MANNUTHY P.O, THRISSUR , KERALA 680651. If you are travelling from outside Mannuthy, search for the branch on a maps application using the bank name and locality, or call 8046443723 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 ESMF00000SC and your account number.

Common mistakes to avoid when using IFSC ESMF00000SC

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Esaf Small Finance Bank Limited – NEFT SERVICE CENTER, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: ESMF00000SC.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Working hours

Branch counters at NEFT Service Center 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 ESMF00000SC continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESMF00000SC for Esaf Small Finance Bank Limited – NEFT SERVICE CENTER, 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.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESMF00000SC is the IFSC code of Esaf Small Finance Bank Limited, NEFT SERVICE CENTER branch, in MANNUTHY, KERALA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.