This page lists the IFSC code, branch address, contact number and fund-transfer information for Esaf Small Finance Bank Limited, PULIKKAL branch in PULIKKAL. The 11-digit IFSC ESMF0001606 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 PULIKKAL 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, ESMF0001606 is the IFSC of Esaf Small Finance Bank Limited's PULIKKAL branch. The format is fixed: ESMF = bank code, 0 = reserved, 001606 = 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 Pulikkal branch in Pulikkal, Kerala is part of this network and uses the IFSC code ESMF0001606 for all electronic settlement.
Branch details at a glance
| Bank Name | Esaf Small Finance Bank Limited |
|---|---|
| Branch | Pulikkal |
| IFSC Code | ESMF0001606 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ROOM NO 575 C,575 D AND 575 E,KONDOTTY RAMANATTUKARA ROAD,NEAR PULIKKAL GRAMA PANCHAYATH,PULIKKAL VILLAGE,MALAPPURAM KEREALA 673637 |
| City | Pulikkal |
| District | Malappuram |
| State | Kerala |
| STD Code | 493 |
| Phone | 9995807157 |
About the Pulikkal branch
The Pulikkal branch of Esaf Small Finance Bank Limited is situated at ROOM NO 575 C,575 D AND 575 E,KONDOTTY RAMANATTUKARA ROAD,NEAR PULIKKAL GRAMA PANCHAYATH,PULIKKAL VILLAGE,MALAPPURAM KEREALA 673637. 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 ESMF0001606 is used.
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 PULIKKAL branch came to be assigned the code ESMF0001606.
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 ESMF0001606, money simply cannot be routed to the PULIKKAL branch electronically.
Account types you can open at the Pulikkal branch
Once you have an account at Esaf Small Finance Bank Limited – PULIKKAL, the IFSC ESMF0001606 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 Pulikkal 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 ESMF0001606
How to transfer money using IFSC ESMF0001606
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 ESMF0001606 across all three.
How to use IFSC ESMF0001606 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 PULIKKAL 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 ESMF0001606.
- Confirm the bank name auto-populates as Esaf Small Finance Bank Limited and the branch as PULIKKAL.
- 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 PULIKKAL
If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's PULIKKAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001606 while initiating the transfer and the credit will appear within minutes.
IMPS to Esaf Small Finance Bank Limited PULIKKAL (IFSC ESMF0001606)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001606 in your mobile or internet banking app, and the money is credited to the PULIKKAL branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Pulikkal
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 ESMF0001606:
- 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 PULIKKAL is still linked to IFSC ESMF0001606.
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 PULIKKAL branch, the IFSC ESMF0001606 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 Pulikkal 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 ESMF0001606 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 Pulikkal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESMF0001606 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 – PULIKKAL:
- The IFSC is exactly ESMF0001606 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 PULIKKAL 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.
Reaching the branch
The Pulikkal branch sits at ROOM NO 575 C,575 D AND 575 E,KONDOTTY RAMANATTUKARA ROAD,NEAR PULIKKAL GRAMA PANCHAYATH,PULIKKAL VILLAGE,MALAPPURAM KEREALA 673637. If you are travelling from outside Pulikkal, search for the branch on a maps application using the bank name and locality, or call 493-9995807157 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 ESMF0001606 and your account number.
Verifying IFSC ESMF0001606 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 ESMF0001606 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 493-9995807157.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Pulikkal 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 ESMF0001606 continue to work without interruption.
Branch address & contact
Esaf Small Finance Bank LimitedPulikkal Branch
ROOM NO 575 C,575 D AND 575 E,KONDOTTY RAMANATTUKARA ROAD,NEAR PULIKKAL GRAMA PANCHAYATH,PULIKKAL VILLAGE,MALAPPURAM KEREALA 673637
Pulikkal, Kerala
Phone: 493-9995807157
IFSC: ESMF0001606
Frequently asked questions
Is IFSC ESMF0001606 valid for NEFT and RTGS?
Yes. IFSC ESMF0001606 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Esaf Small Finance Bank Limited Pulikkal branch located?
Esaf Small Finance Bank Limited's Pulikkal branch is located at ROOM NO 575 C,575 D AND 575 E,KONDOTTY RAMANATTUKARA ROAD,NEAR PULIKKAL GRAMA PANCHAYATH,PULIKKAL VILLAGE,MALAPPURAM KEREALA 673637, Pulikkal, Kerala.
How quickly will an NEFT transfer using ESMF0001606 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Esaf Small Finance Bank Limited – Pulikkal reflect within 30 minutes.
Is IFSC ESMF0001606 the same for all accounts at Pulikkal branch?
Yes. The IFSC ESMF0001606 is shared by every account held at Esaf Small Finance Bank Limited's Pulikkal branch. Only the account number changes from customer to customer.
What is the phone number of Esaf Small Finance Bank Limited Pulikkal branch?
You can reach the branch at 493-9995807157 during regular banking hours.
How do I add Esaf Small Finance Bank Limited Pulikkal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC ESMF0001606, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC ESMF0001606 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC ESMF0001606 to send funds instantly.
What is the IFSC code of Esaf Small Finance Bank Limited Pulikkal branch?
The IFSC code of Esaf Small Finance Bank Limited, Pulikkal branch is ESMF0001606. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: ESMF0001606 is the IFSC code of Esaf Small Finance Bank Limited, PULIKKAL branch, in PULIKKAL, 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.
