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

If you are searching for the IFSC code of Esaf Small Finance Bank Limited, TANALUR branch in TANALUR, KERALA, this page has every detail you need. The verified IFSC code for this branch is ESMF0001644. 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 TANALUR branch, and detailed step-by-step guides for using the IFSC ESMF0001644 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, ESMF0001644 is the IFSC of Esaf Small Finance Bank Limited's TANALUR branch. The format is fixed: ESMF = bank code, 0 = reserved, 001644 = 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 Tanalur branch in Tanalur, Kerala is part of this network and uses the IFSC code ESMF0001644 for all electronic settlement.

Branch details at a glance

Tanalur branch overview

Located at DOOR NO 12 71G, MOOPAN SQUARE,TANALUR P O,MALAPPURAM DISTRICT,KERALA 676307, the Tanalur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ESMF0001644 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 TANALUR of Esaf Small Finance Bank Limited — its own 11-character IFSC. The code ESMF0001644 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 ESMF0001644 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 Tanalur branch is mapped to IFSC ESMF0001644 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 ESMF0001644.

Products and services

Customers walking into the Tanalur 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 ESMF0001644

How to transfer money using IFSC ESMF0001644

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 ESMF0001644 across all three.

NEFT to Esaf Small Finance Bank Limited, TANALUR using IFSC ESMF0001644

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 ESMF0001644, and confirm that the system picks up Esaf Small Finance Bank Limited – TANALUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to TANALUR

If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's TANALUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001644 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Esaf Small Finance Bank Limited – TANALUR, use IMPS. With IFSC ESMF0001644 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Tanalur

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 ESMF0001644:

• 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 TANALUR is still linked to IFSC ESMF0001644.

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 ESMF0001644

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 – TANALUR is still mapped to IFSC ESMF0001644. 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 ESMF0001644 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Tanalur 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 ESMF0001644 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 ESMF0001644 and the account number together uniquely identify the Tanalur 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 – TANALUR:

• The IFSC is exactly ESMF0001644 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 TANALUR 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 Tanalur branch sits at DOOR NO 12 71G, MOOPAN SQUARE,TANALUR P O,MALAPPURAM DISTRICT,KERALA 676307. If you are travelling from outside Tanalur, search for the branch on a maps application using the bank name and locality, or call 494-8589905782 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 ESMF0001644 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESMF0001644 for Esaf Small Finance Bank Limited – TANALUR, 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.

Working hours

Branch counters at Tanalur 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 ESMF0001644 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ESMF0001644 belongs to Esaf Small Finance Bank Limited's TANALUR branch, located at DOOR NO 12 71G, MOOPAN SQUARE,TANALUR P O,MALAPPURAM DISTRICT,KERALA 676307 in TANALUR, 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.