IFSC Code of Esaf Small Finance Bank Limited, Puthunagaram Branch, Kerala

If you are searching for the IFSC code of Esaf Small Finance Bank Limited, PUTHUNAGARAM branch in PUTHUNAGARAM, KERALA, this page has every detail you need. The verified IFSC code for this branch is ESMF0001388. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the PUTHUNAGARAM branch, and detailed step-by-step guides for using the IFSC ESMF0001388 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, ESMF0001388 is the IFSC of Esaf Small Finance Bank Limited's PUTHUNAGARAM branch. The format is fixed: ESMF = bank code, 0 = reserved, 001388 = branch identifier.

About Esaf Small Finance Bank Limited

Esaf Small Finance Bank Limited operates a wide network of branches across India, including the Puthunagaram branch in Puthunagaram. 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, ESMF0001388.

Puthunagaram branch overview

Located at N S TOWER,KODUVAYOOR ROAD,PUTHUNAGARAM,CHERPULACHERRY,PALAKKAD,KERALA 679205, the Puthunagaram branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESMF0001388 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 PUTHUNAGARAM of Esaf Small Finance Bank Limited — its own 11-character IFSC. The code ESMF0001388 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 ESMF0001388 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Puthunagaram branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESMF0001388 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 ESMF0001388

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 ESMF0001388 across all three.

How to use IFSC ESMF0001388 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 PUTHUNAGARAM 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 ESMF0001388.
4. Confirm the bank name auto-populates as Esaf Small Finance Bank Limited and the branch as PUTHUNAGARAM.
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 ESMF0001388

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 – PUTHUNAGARAM, ensure your bank's portal accepts IFSC ESMF0001388 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Esaf Small Finance Bank Limited PUTHUNAGARAM (IFSC ESMF0001388)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001388 in your mobile or internet banking app, and the money is credited to the PUTHUNAGARAM branch account within seconds.

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

All three modes accept the IFSC ESMF0001388 for Esaf Small Finance Bank Limited – PUTHUNAGARAM, 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 Puthunagaram 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 PUTHUNAGARAM branch, the IFSC ESMF0001388 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.

Account types you can open at the Puthunagaram branch

Once you have an account at Esaf Small Finance Bank Limited – PUTHUNAGARAM, the IFSC ESMF0001388 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 Puthunagaram 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 ESMF0001388

Digital banking channels

Most day-to-day work that customers used to do at the Puthunagaram 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 ESMF0001388 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 Puthunagaram branch

The branch is located at N S TOWER,KODUVAYOOR ROAD,PUTHUNAGARAM,CHERPULACHERRY,PALAKKAD,KERALA 679205, which puts it inside Puthunagaram, the broader Palakkad 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 Puthunagaram branch” — the verified location pin for IFSC ESMF0001388 should appear at the top of the results.
2. Confirm the branch is open by calling 491-8589961245 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 ESMF0001388 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 – PUTHUNAGARAM:

• The IFSC is exactly ESMF0001388 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 PUTHUNAGARAM 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.

Working hours

Branch counters at Puthunagaram 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 ESMF0001388 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESMF0001388 for Esaf Small Finance Bank Limited – PUTHUNAGARAM, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESMF0001388 is the IFSC code of Esaf Small Finance Bank Limited, PUTHUNAGARAM branch, in PUTHUNAGARAM, 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.