This page lists the IFSC code, branch address, contact number and fund-transfer information for Esaf Small Finance Bank Limited, MELMURI branch in MELMURI. The 11-digit IFSC ESMF0001528 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Esaf Small Finance Bank Limited at the MELMURI location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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, ESMF0001528 is the IFSC of Esaf Small Finance Bank Limited's MELMURI branch. The format is fixed: ESMF = bank code, 0 = reserved, 001528 = branch identifier.
Branch details at a glance
| Bank Name | Esaf Small Finance Bank Limited |
|---|---|
| Branch | Melmuri |
| IFSC Code | ESMF0001528 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SY NO 133,134,MELMURI VILLAGE,OPPOSITE BUS STAND,KADAMPUZHA P O,MALAPPURAM 676553 |
| City | Melmuri |
| District | Malappuram |
| State | Kerala |
| STD Code | 493 |
| Phone | 8589907790 |
About Esaf Small Finance Bank Limited
Esaf Small Finance Bank Limited operates a wide network of branches across India, including the Melmuri branch in Melmuri. 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, ESMF0001528.
About the Melmuri branch
The Melmuri branch of Esaf Small Finance Bank Limited is situated at SY NO 133,134,MELMURI VILLAGE,OPPOSITE BUS STAND,KADAMPUZHA P O,MALAPPURAM 676553. 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 ESMF0001528 is used.
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 MELMURI branch came to be assigned the code ESMF0001528.
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 ESMF0001528, money simply cannot be routed to the MELMURI branch electronically.
How to transfer money using IFSC ESMF0001528
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 ESMF0001528 across all three.
How to use IFSC ESMF0001528 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 MELMURI 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC ESMF0001528.
- Confirm the bank name auto-populates as Esaf Small Finance Bank Limited and the branch as MELMURI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC ESMF0001528
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 – MELMURI, ensure your bank's portal accepts IFSC ESMF0001528 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Esaf Small Finance Bank Limited MELMURI (IFSC ESMF0001528)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001528 in your mobile or internet banking app, and the money is credited to the MELMURI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC ESMF0001528 for Esaf Small Finance Bank Limited – MELMURI, 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 – ESMF0001528 | Yes – ESMF0001528 | Yes – ESMF0001528 |
For most retail customers crediting the Melmuri 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 ESMF0001528
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 – MELMURI is still mapped to IFSC ESMF0001528. 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 ESMF0001528 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Melmuri branch is mapped to IFSC ESMF0001528 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 ESMF0001528.
Banking services available
The Melmuri branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 493-8589907790.
- 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 ESMF0001528
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 ESMF0001528 and the account number together uniquely identify the Melmuri 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 Melmuri 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 ESMF0001528 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.
Common mistakes to avoid when using IFSC ESMF0001528
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 – MELMURI, 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:
ESMF0001528. - 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.
Reaching the branch
The Melmuri branch sits at SY NO 133,134,MELMURI VILLAGE,OPPOSITE BUS STAND,KADAMPUZHA P O,MALAPPURAM 676553. If you are travelling from outside Melmuri, search for the branch on a maps application using the bank name and locality, or call 493-8589907790 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 ESMF0001528 and your account number.
Verifying IFSC ESMF0001528 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 ESMF0001528 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 493-8589907790.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Melmuri 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 ESMF0001528 continue to work without interruption.
Branch address & contact
Esaf Small Finance Bank LimitedMelmuri Branch
SY NO 133,134,MELMURI VILLAGE,OPPOSITE BUS STAND,KADAMPUZHA P O,MALAPPURAM 676553
Melmuri, Kerala
Phone: 493-8589907790
IFSC: ESMF0001528
Frequently asked questions
How quickly will an NEFT transfer using ESMF0001528 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Esaf Small Finance Bank Limited – Melmuri reflect within 30 minutes.
What is the IFSC code of Esaf Small Finance Bank Limited Melmuri branch?
The IFSC code of Esaf Small Finance Bank Limited, Melmuri branch is ESMF0001528. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC ESMF0001528 valid for NEFT and RTGS?
Yes. IFSC ESMF0001528 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Esaf Small Finance Bank Limited Melmuri as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC ESMF0001528, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC ESMF0001528 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC ESMF0001528 to send funds instantly.
What is the phone number of Esaf Small Finance Bank Limited Melmuri branch?
You can reach the branch at 493-8589907790 during regular banking hours.
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 Melmuri branch but serve different purposes.
Where is Esaf Small Finance Bank Limited Melmuri branch located?
Esaf Small Finance Bank Limited's Melmuri branch is located at SY NO 133,134,MELMURI VILLAGE,OPPOSITE BUS STAND,KADAMPUZHA P O,MALAPPURAM 676553, Melmuri, Kerala.
Summary
The IFSC code ESMF0001528 belongs to Esaf Small Finance Bank Limited's MELMURI branch, located at SY NO 133,134,MELMURI VILLAGE,OPPOSITE BUS STAND,KADAMPUZHA P O,MALAPPURAM… in MELMURI, 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.
