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

If you are searching for the IFSC code of Esaf Small Finance Bank Limited, MOTTANUTHU branch in THENI, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is ESMF0001235. 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 MOTTANUTHU branch, and detailed step-by-step guides for using the IFSC ESMF0001235 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.

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 – MOTTANUTHU is ESMF0001235. The first four letters ESMF are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001235 map to this branch in THENI, 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 Mottanuthu branch in Theni, Tamil Nadu is part of this network and uses the IFSC code ESMF0001235 for all electronic settlement.

About this branch

The branch is located at DOOR NO2 104,NAGULAGOUNDANPATTY VILLAGE AND P O MOTTANUTHU,THENI DISCTRICT,TAMIL NADU,625512. It serves the Theni region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Esaf Small Finance Bank Limited. The IFSC ESMF0001235 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 MOTTANUTHU branch came to be assigned the code ESMF0001235.

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 ESMF0001235, money simply cannot be routed to the MOTTANUTHU branch electronically.

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 ESMF0001235 and the account number together uniquely identify the Mottanuthu branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC ESMF0001235

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 ESMF0001235 across all three.

How to use IFSC ESMF0001235 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 MOTTANUTHU 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 ESMF0001235.
4. Confirm the bank name auto-populates as Esaf Small Finance Bank Limited and the branch as MOTTANUTHU.
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 ESMF0001235

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 – MOTTANUTHU, ensure your bank's portal accepts IFSC ESMF0001235 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Esaf Small Finance Bank Limited – MOTTANUTHU, use IMPS. With IFSC ESMF0001235 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC ESMF0001235 for Esaf Small Finance Bank Limited – MOTTANUTHU, 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 Mottanuthu 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 MOTTANUTHU branch, the IFSC ESMF0001235 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.

Products and account variants supported

Every account opened at the Mottanuthu branch is mapped to IFSC ESMF0001235 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 ESMF0001235.

Products and services

Customers walking into the Mottanuthu 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 ESMF0001235

Digital banking channels

Most day-to-day work that customers used to do at the Mottanuthu 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 ESMF0001235 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.

Reaching the branch

The Mottanuthu branch sits at DOOR NO2 104,NAGULAGOUNDANPATTY VILLAGE AND P O MOTTANUTHU,THENI DISCTRICT,TAMIL NADU,625512. If you are travelling from outside Theni, search for the branch on a maps application using the bank name and locality, or call 4546-7994772453 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 ESMF0001235 and your account number.

Common mistakes to avoid when using IFSC ESMF0001235

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 – MOTTANUTHU, 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: ESMF0001235.
• 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.

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 Mottanuthu branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESMF0001235, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ESMF0001235 for Esaf Small Finance Bank Limited – MOTTANUTHU, 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

Summary

The IFSC code ESMF0001235 belongs to Esaf Small Finance Bank Limited's MOTTANUTHU branch, located at DOOR NO2 104,NAGULAGOUNDANPATTY VILLAGE AND P O MOTTANUTHU,THENI… in THENI, TAMIL NADU. 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.