IFSC Code of Esaf Small Finance Bank Limited, Nedumkandam Kalkoonthal Branch, Kerala

Use this page as a one-stop reference for everything related to Esaf Small Finance Bank Limited's NEDUMKANDAM KALKOONTHAL branch in NEDUMKANDAM KALKOONTHAL, KERALA. The branch's IFSC code ESMF0001520 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.

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 NEDUMKANDAM KALKOONTHAL branch, the IFSC ESMF0001520 breaks down as follows: ESMF identifies the bank, 0 is the reserved character, and 001520 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 Nedumkandam Kalkoonthal branch — IFSC ESMF0001520 — extends the bank's services to customers in and around Nedumkandam Kalkoonthal, Kerala.

About the Nedumkandam Kalkoonthal branch

The Nedumkandam Kalkoonthal branch of Esaf Small Finance Bank Limited is situated at VARAKALAYIL BUILDING,2ND FLOOR,ANEDUMKANDAM,IDUKKI,685553. 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 ESMF0001520 is used.

Branch details at a glance

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 NEDUMKANDAM KALKOONTHAL branch came to be assigned the code ESMF0001520.

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 ESMF0001520, money simply cannot be routed to the NEDUMKANDAM KALKOONTHAL branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Nedumkandam Kalkoonthal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESMF0001520 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 ESMF0001520

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 ESMF0001520 across all three.

How to use IFSC ESMF0001520 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 NEDUMKANDAM KALKOONTHAL 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 ESMF0001520.
4. Confirm the bank name auto-populates as Esaf Small Finance Bank Limited and the branch as NEDUMKANDAM KALKOONTHAL.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC ESMF0001520

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 – NEDUMKANDAM KALKOONTHAL, ensure your bank's portal accepts IFSC ESMF0001520 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Esaf Small Finance Bank Limited NEDUMKANDAM KALKOONTHAL (IFSC ESMF0001520)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001520 in your mobile or internet banking app, and the money is credited to the NEDUMKANDAM KALKOONTHAL branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC ESMF0001520 for Esaf Small Finance Bank Limited – NEDUMKANDAM KALKOONTHAL, 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.

For most retail customers crediting the Nedumkandam Kalkoonthal 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 ESMF0001520

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 – NEDUMKANDAM KALKOONTHAL is still mapped to IFSC ESMF0001520. 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 ESMF0001520 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Nedumkandam Kalkoonthal branch is mapped to IFSC ESMF0001520 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 ESMF0001520.

Products and services

Customers walking into the Nedumkandam Kalkoonthal 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 ESMF0001520

Digital banking channels

Most day-to-day work that customers used to do at the Nedumkandam Kalkoonthal 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 ESMF0001520 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.

How to reach the Nedumkandam Kalkoonthal branch

The branch is located at VARAKALAYIL BUILDING,2ND FLOOR,ANEDUMKANDAM,IDUKKI,685553, which puts it inside Nedumkandam Kalkoonthal, the broader Idukki district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Esaf Small Finance Bank Limited Nedumkandam Kalkoonthal branch” — the verified location pin for IFSC ESMF0001520 should appear at the top of the results.
2. Confirm the branch is open by calling 4862-8589025461 before stepping out, especially around public holidays.
3. 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 ESMF0001520 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 – NEDUMKANDAM KALKOONTHAL:

• The IFSC is exactly ESMF0001520 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 NEDUMKANDAM KALKOONTHAL 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.

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 Nedumkandam Kalkoonthal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESMF0001520, however, work 24x7.

Verifying IFSC ESMF0001520 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 ESMF0001520 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 4862-8589025461.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ESMF0001520 belongs to Esaf Small Finance Bank Limited's NEDUMKANDAM KALKOONTHAL branch, located at VARAKALAYIL BUILDING,2ND FLOOR,ANEDUMKANDAM,IDUKKI,685553 in NEDUMKANDAM KALKOONTHAL, 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.