This page lists the IFSC code, branch address, contact number and fund-transfer information for Esaf Small Finance Bank Limited, PALA branch in PALA. The 11-digit IFSC ESMF0001105 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 PALA 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, ESMF0001105 is the IFSC of Esaf Small Finance Bank Limited's PALA branch. The format is fixed: ESMF = bank code, 0 = reserved, 001105 = branch identifier.
About Esaf Small Finance Bank Limited
Esaf Small Finance Bank Limited operates a wide network of branches across India, including the Pala branch in Pala. 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, ESMF0001105.
Branch details at a glance
| Bank Name | Esaf Small Finance Bank Limited |
|---|---|
| Branch | Pala |
| IFSC Code | ESMF0001105 |
| MICR Code | Refer to cheque leaf |
| Branch Address | THE MELHOR BUILDING,GOUND FLOOR, ROOM NO 372, A1, NEAR RTO OFFICE ,CHETHIMATTOM, PALA, KOTTAYAM PIN 686575 |
| City | Pala |
| District | Kottayam |
| State | Kerala |
| STD Code | 4822 |
| Phone | 8589007880 |
Pala branch overview
Located at THE MELHOR BUILDING,GOUND FLOOR, ROOM NO 372, A1, NEAR RTO OFFICE ,CHETHIMATTOM, PALA, KOTTAYAM PIN 686575, the Pala branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESMF0001105 is required for all interbank electronic transfers routed through this branch.
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 PALA of Esaf Small Finance Bank Limited — its own 11-character IFSC. The code ESMF0001105 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 ESMF0001105 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 Pala branch is mapped to IFSC ESMF0001105 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 ESMF0001105.
Products and services
Customers walking into the Pala 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 ESMF0001105
How to transfer money using IFSC ESMF0001105
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 ESMF0001105 across all three.
NEFT to Esaf Small Finance Bank Limited, PALA using IFSC ESMF0001105
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 ESMF0001105, and confirm that the system picks up Esaf Small Finance Bank Limited – PALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to PALA
If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's PALA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001105 while initiating the transfer and the credit will appear within minutes.
IMPS to Esaf Small Finance Bank Limited PALA (IFSC ESMF0001105)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001105 in your mobile or internet banking app, and the money is credited to the PALA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Pala
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 ESMF0001105:
- 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 PALA is still linked to IFSC ESMF0001105.
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 ESMF0001105
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 – PALA is still mapped to IFSC ESMF0001105. 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 ESMF0001105 and the beneficiary's account number to complete the transfer.
Online banking and IFSC ESMF0001105
Esaf Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the PALA branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC ESMF0001105 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
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 ESMF0001105 and the account number together uniquely identify the Pala branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC ESMF0001105
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 – PALA, 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:
ESMF0001105. - 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 Pala branch sits at THE MELHOR BUILDING,GOUND FLOOR, ROOM NO 372, A1, NEAR RTO OFFICE ,CHETHIMATTOM, PALA, KOTTAYAM PIN 686575. If you are travelling from outside Pala, search for the branch on a maps application using the bank name and locality, or call 4822-8589007880 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 ESMF0001105 and your account number.
Verifying IFSC ESMF0001105 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 ESMF0001105 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4822-8589007880.
- 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 Pala branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESMF0001105, however, work 24x7.
Branch address & contact
Esaf Small Finance Bank LimitedPala Branch
THE MELHOR BUILDING,GOUND FLOOR, ROOM NO 372, A1, NEAR RTO OFFICE ,CHETHIMATTOM, PALA, KOTTAYAM PIN 686575
Pala, Kerala
Phone: 4822-8589007880
IFSC: ESMF0001105
Frequently asked questions
Is IFSC ESMF0001105 valid for NEFT and RTGS?
Yes. IFSC ESMF0001105 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Esaf Small Finance Bank Limited Pala as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC ESMF0001105, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Esaf Small Finance Bank Limited Pala branch?
You can reach the branch at 4822-8589007880 during regular banking hours.
Is IFSC ESMF0001105 the same for all accounts at Pala branch?
Yes. The IFSC ESMF0001105 is shared by every account held at Esaf Small Finance Bank Limited's Pala branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using ESMF0001105 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Esaf Small Finance Bank Limited – Pala reflect within 30 minutes.
What is the IFSC code of Esaf Small Finance Bank Limited Pala branch?
The IFSC code of Esaf Small Finance Bank Limited, Pala branch is ESMF0001105. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Esaf Small Finance Bank Limited Pala branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 4822-8589007880 to confirm.
Final notes
To recap: ESMF0001105 is the IFSC code of Esaf Small Finance Bank Limited, PALA branch, in PALA, 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.
