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

Below are the complete branch details for Esaf Small Finance Bank Limited, PULIANKUDI branch, located in PULIANKUDI, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is ESMF0001462. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case ESMF0001462 for Esaf Small Finance Bank Limited – PULIANKUDI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – PULIANKUDI is ESMF0001462. The first four letters ESMF are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001462 map to this branch in PULIANKUDI, TAMIL NADU.

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 Puliankudi branch in Puliankudi, Tamil Nadu is part of this network and uses the IFSC code ESMF0001462 for all electronic settlement.

Branch details at a glance

Puliankudi branch overview

Located at DOOR NO 31A 3,4,5, MADURAI MAIN ROAD, CHINTHAMANI,TIRUVELVELI,627855, the Puliankudi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESMF0001462 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 PULIANKUDI of Esaf Small Finance Bank Limited — its own 11-character IFSC. The code ESMF0001462 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 ESMF0001462 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Puliankudi branch

Once you have an account at Esaf Small Finance Bank Limited – PULIANKUDI, the IFSC ESMF0001462 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Puliankudi 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 ESMF0001462

How to transfer money using IFSC ESMF0001462

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 ESMF0001462 across all three.

How to use IFSC ESMF0001462 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 PULIANKUDI 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 ESMF0001462.
4. Confirm the bank name auto-populates as Esaf Small Finance Bank Limited and the branch as PULIANKUDI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to PULIANKUDI

If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's PULIANKUDI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001462 while initiating the transfer and the credit will appear within minutes.

IMPS to Esaf Small Finance Bank Limited PULIANKUDI (IFSC ESMF0001462)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001462 in your mobile or internet banking app, and the money is credited to the PULIANKUDI branch account within seconds.

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

All three modes accept the IFSC ESMF0001462 for Esaf Small Finance Bank Limited – PULIANKUDI, 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 Puliankudi 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 PULIANKUDI branch, the IFSC ESMF0001462 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 Puliankudi 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 ESMF0001462 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 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 ESMF0001462 and the account number together uniquely identify the Puliankudi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – PULIANKUDI:

• The IFSC is exactly ESMF0001462 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 PULIANKUDI 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 Puliankudi branch

The branch is located at DOOR NO 31A 3,4,5, MADURAI MAIN ROAD, CHINTHAMANI,TIRUVELVELI,627855, which puts it inside Puliankudi, the broader Tirunelveli district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Esaf Small Finance Bank Limited Puliankudi branch” — the verified location pin for IFSC ESMF0001462 should appear at the top of the results.
2. Confirm the branch is open by calling 462-9288013163 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 ESMF0001462 and your account number.

Verifying IFSC ESMF0001462 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 ESMF0001462 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 462-9288013163.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Puliankudi 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 ESMF0001462 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESMF0001462 is the IFSC code of Esaf Small Finance Bank Limited, PULIANKUDI branch, in PULIANKUDI, TAMIL NADU. 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.