IFSC Code of Esaf Small Finance Bank Limited, Thiruvananthapuram Sangumugham Branch, Kerala

If you are searching for the IFSC code of Esaf Small Finance Bank Limited, THIRUVANANTHAPURAM SANGUMUGHAM branch in THIRUVANANTHAPURAM SANGUMUGHAM, KERALA, this page has every detail you need. The verified IFSC code for this branch is ESMF0001569. 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 THIRUVANANTHAPURAM SANGUMUGHAM branch, and detailed step-by-step guides for using the IFSC ESMF0001569 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, ESMF0001569 is the IFSC of Esaf Small Finance Bank Limited's THIRUVANANTHAPURAM SANGUMUGHAM branch. The format is fixed: ESMF = bank code, 0 = reserved, 001569 = 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 Thiruvananthapuram Sangumugham branch in Thiruvananthapuram Sangumugham, Kerala is part of this network and uses the IFSC code ESMF0001569 for all electronic settlement.

Branch details at a glance

About the Thiruvananthapuram Sangumugham branch

The Thiruvananthapuram Sangumugham branch of Esaf Small Finance Bank Limited is situated at POPULAR ARCADE,NEAR MARKET,VALIYATHURA P O,VALLAKADAVU,THIRUVANANTHAPURAM 695008. 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 ESMF0001569 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 THIRUVANANTHAPURAM SANGUMUGHAM branch came to be assigned the code ESMF0001569.

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 ESMF0001569, money simply cannot be routed to the THIRUVANANTHAPURAM SANGUMUGHAM branch electronically.

Account types you can open at the Thiruvananthapuram Sangumugham branch

Once you have an account at Esaf Small Finance Bank Limited – THIRUVANANTHAPURAM SANGUMUGHAM, the IFSC ESMF0001569 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.

Banking services available

The Thiruvananthapuram Sangumugham branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 471-8589003429.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC ESMF0001569

How to transfer money using IFSC ESMF0001569

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 ESMF0001569 across all three.

How to use IFSC ESMF0001569 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 THIRUVANANTHAPURAM SANGUMUGHAM 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 ESMF0001569.
4. Confirm the bank name auto-populates as Esaf Small Finance Bank Limited and the branch as THIRUVANANTHAPURAM SANGUMUGHAM.
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 ESMF0001569

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 – THIRUVANANTHAPURAM SANGUMUGHAM, ensure your bank's portal accepts IFSC ESMF0001569 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 – THIRUVANANTHAPURAM SANGUMUGHAM, use IMPS. With IFSC ESMF0001569 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 Thiruvananthapuram Sangumugham

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 ESMF0001569:

• 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 THIRUVANANTHAPURAM SANGUMUGHAM is still linked to IFSC ESMF0001569.

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 THIRUVANANTHAPURAM SANGUMUGHAM branch, the IFSC ESMF0001569 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 Thiruvananthapuram Sangumugham 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 ESMF0001569 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 Thiruvananthapuram Sangumugham branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESMF0001569 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 – THIRUVANANTHAPURAM SANGUMUGHAM:

• The IFSC is exactly ESMF0001569 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 THIRUVANANTHAPURAM SANGUMUGHAM 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 Thiruvananthapuram Sangumugham branch sits at POPULAR ARCADE,NEAR MARKET,VALIYATHURA P O,VALLAKADAVU,THIRUVANANTHAPURAM 695008. If you are travelling from outside Thiruvananthapuram Sangumugham, search for the branch on a maps application using the bank name and locality, or call 471-8589003429 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 ESMF0001569 and your account number.

Verifying IFSC ESMF0001569 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 ESMF0001569 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 471-8589003429.
• Visiting the bank's official branch locator page.

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 Thiruvananthapuram Sangumugham branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESMF0001569, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ESMF0001569 belongs to Esaf Small Finance Bank Limited's THIRUVANANTHAPURAM SANGUMUGHAM branch, located at POPULAR ARCADE,NEAR MARKET,VALIYATHURA P O,VALLAKADAVU,THIRUVANANTHAPURAM 695008 in THIRUVANANTHAPURAM SANGUMUGHAM, 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.