IFSC Code of Esaf Small Finance Bank Limited, Mettupalayam Branch, Tamil Nadu

If you are searching for the IFSC code of Esaf Small Finance Bank Limited, METTUPALAYAM branch in METTUPALAYAM, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is ESMF0001308. 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 METTUPALAYAM branch, and detailed step-by-step guides for using the IFSC ESMF0001308 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 – METTUPALAYAM is ESMF0001308. The first four letters ESMF are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001308 map to this branch in METTUPALAYAM, TAMIL NADU.

Branch details at a glance

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 Mettupalayam branch in Mettupalayam, Tamil Nadu is part of this network and uses the IFSC code ESMF0001308 for all electronic settlement.

About the Mettupalayam branch

The Mettupalayam branch of Esaf Small Finance Bank Limited is situated at NO 70 22,70 21,VELAKANNI BUS STOP,OPP IYAPPAN KOVIL KARAMADAI ROAD,MATTUPALAYAM,COIMBATORE,TAMIL NADU 641601. 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 ESMF0001308 is used.

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 METTUPALAYAM of Esaf Small Finance Bank Limited — its own 11-character IFSC. The code ESMF0001308 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 ESMF0001308 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC ESMF0001308

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 ESMF0001308 across all three.

NEFT to Esaf Small Finance Bank Limited, METTUPALAYAM using IFSC ESMF0001308

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 ESMF0001308, and confirm that the system picks up Esaf Small Finance Bank Limited – METTUPALAYAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to METTUPALAYAM

If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's METTUPALAYAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001308 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 – METTUPALAYAM, use IMPS. With IFSC ESMF0001308 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 Mettupalayam

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 ESMF0001308:

• 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 METTUPALAYAM is still linked to IFSC ESMF0001308.

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 METTUPALAYAM branch, the IFSC ESMF0001308 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.

Products and account variants supported

Every account opened at the Mettupalayam branch is mapped to IFSC ESMF0001308 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 ESMF0001308.

Products and services

Customers walking into the Mettupalayam 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 ESMF0001308

MICR & cheque-truncation details

Cheques drawn on the Mettupalayam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESMF0001308 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Mettupalayam 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 ESMF0001308 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 ESMF0001308

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 – METTUPALAYAM, 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: ESMF0001308.
• 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 Mettupalayam branch sits at NO 70 22,70 21,VELAKANNI BUS STOP,OPP IYAPPAN KOVIL KARAMADAI ROAD,MATTUPALAYAM,COIMBATORE,TAMIL NADU 641601. If you are travelling from outside Mettupalayam, search for the branch on a maps application using the bank name and locality, or call 4254-7593000187 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 ESMF0001308 and your account number.

Verifying IFSC ESMF0001308 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 ESMF0001308 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 4254-7593000187.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Mettupalayam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESMF0001308, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ESMF0001308 belongs to Esaf Small Finance Bank Limited's METTUPALAYAM branch, located at NO 70 22,70 21,VELAKANNI BUS STOP,OPP IYAPPAN KOVIL KARAMADAI… in METTUPALAYAM, TAMIL NADU. 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.