Use this page as a one-stop reference for everything related to Esaf Small Finance Bank Limited's MUTHALAMADA branch in MUTHALAMADA, KERALA. The branch's IFSC code ESMF0001273 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, ESMF0001273 is the IFSC of Esaf Small Finance Bank Limited's MUTHALAMADA branch. The format is fixed: ESMF = bank code, 0 = reserved, 001273 = branch identifier.
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 Muthalamada branch in Muthalamada, Kerala is part of this network and uses the IFSC code ESMF0001273 for all electronic settlement.
Branch details at a glance
| Bank Name | Esaf Small Finance Bank Limited |
|---|---|
| Branch | Muthalamada |
| IFSC Code | ESMF0001273 |
| MICR Code | Refer to cheque leaf |
| Branch Address | IST FLOOR,P S S PLAZA,MUTHALAMADA ROAD,MUTHALAMADA,PALAKKAD 678507 |
| City | Muthalamada |
| District | Palakkad |
| State | Kerala |
| STD Code | 4922 |
| Phone | 8589084555 |
About the Muthalamada branch
The Muthalamada branch of Esaf Small Finance Bank Limited is situated at IST FLOOR,P S S PLAZA,MUTHALAMADA ROAD,MUTHALAMADA,PALAKKAD 678507. 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 ESMF0001273 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 MUTHALAMADA of Esaf Small Finance Bank Limited — its own 11-character IFSC. The code ESMF0001273 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 ESMF0001273 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Muthalamada branch is mapped to IFSC ESMF0001273 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 ESMF0001273.
Banking services available
The Muthalamada branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4922-8589084555.
- 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 ESMF0001273
How to transfer money using IFSC ESMF0001273
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 ESMF0001273 across all three.
How to use IFSC ESMF0001273 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 MUTHALAMADA 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 ESMF0001273.
- Confirm the bank name auto-populates as Esaf Small Finance Bank Limited and the branch as MUTHALAMADA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC ESMF0001273
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 – MUTHALAMADA, ensure your bank's portal accepts IFSC ESMF0001273 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Esaf Small Finance Bank Limited MUTHALAMADA (IFSC ESMF0001273)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001273 in your mobile or internet banking app, and the money is credited to the MUTHALAMADA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC ESMF0001273 for Esaf Small Finance Bank Limited – MUTHALAMADA, 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 – ESMF0001273 | Yes – ESMF0001273 | Yes – ESMF0001273 |
For most retail customers crediting the Muthalamada 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.
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 MUTHALAMADA branch, the IFSC ESMF0001273 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.
Digital banking channels
Most day-to-day work that customers used to do at the Muthalamada 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 ESMF0001273 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.
MICR & cheque-truncation details
Cheques drawn on the Muthalamada branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESMF0001273 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – MUTHALAMADA:
- The IFSC is exactly ESMF0001273 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 MUTHALAMADA 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.
How to reach the Muthalamada branch
The branch is located at IST FLOOR,P S S PLAZA,MUTHALAMADA ROAD,MUTHALAMADA,PALAKKAD 678507, which puts it inside Muthalamada, the broader Palakkad district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Esaf Small Finance Bank Limited Muthalamada branch” — the verified location pin for IFSC ESMF0001273 should appear at the top of the results.
- Confirm the branch is open by calling 4922-8589084555 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC ESMF0001273 and your account number.
Verifying IFSC ESMF0001273 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 ESMF0001273 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4922-8589084555.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Muthalamada 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 ESMF0001273 continue to work without interruption.
Branch address & contact
Esaf Small Finance Bank LimitedMuthalamada Branch
IST FLOOR,P S S PLAZA,MUTHALAMADA ROAD,MUTHALAMADA,PALAKKAD 678507
Muthalamada, Kerala
Phone: 4922-8589084555
IFSC: ESMF0001273
Frequently asked questions
How do I add Esaf Small Finance Bank Limited Muthalamada as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC ESMF0001273, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Esaf Small Finance Bank Limited Muthalamada branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 4922-8589084555 to confirm.
Can I use IFSC ESMF0001273 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC ESMF0001273 to send funds instantly.
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 Muthalamada branch but serve different purposes.
Is IFSC ESMF0001273 valid for NEFT and RTGS?
Yes. IFSC ESMF0001273 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using ESMF0001273 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Esaf Small Finance Bank Limited – Muthalamada reflect within 30 minutes.
Is IFSC ESMF0001273 the same for all accounts at Muthalamada branch?
Yes. The IFSC ESMF0001273 is shared by every account held at Esaf Small Finance Bank Limited's Muthalamada branch. Only the account number changes from customer to customer.
Summary
The IFSC code ESMF0001273 belongs to Esaf Small Finance Bank Limited's MUTHALAMADA branch, located at IST FLOOR,P S S PLAZA,MUTHALAMADA ROAD,MUTHALAMADA,PALAKKAD 678507 in MUTHALAMADA, 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.
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