If you are searching for the IFSC code of Esaf Small Finance Bank Limited, THRIKKADEERI branch in THRIKKADEERI, KERALA, this page has every detail you need. The verified IFSC code for this branch is ESMF0001504. 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 THRIKKADEERI branch, and detailed step-by-step guides for using the IFSC ESMF0001504 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, ESMF0001504 is the IFSC of Esaf Small Finance Bank Limited's THRIKKADEERI branch. The format is fixed: ESMF = bank code, 0 = reserved, 001504 = 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 Thrikkadeeri branch in Thrikkadeeri, Kerala is part of this network and uses the IFSC code ESMF0001504 for all electronic settlement.
Branch details at a glance
| Bank Name | Esaf Small Finance Bank Limited |
|---|---|
| Branch | Thrikkadeeri |
| IFSC Code | ESMF0001504 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MECCA BUILDING,NO VII,664,CHERPULASSERY OTTAPALAM ROAD,THRIKKADEERI PO,PALAKKAD DISTRICT,KERALA 679502 |
| City | Thrikkadeeri |
| District | Palakkad |
| State | Kerala |
| STD Code | 491 |
| Phone | 8589903190 |
About the Thrikkadeeri branch
The Thrikkadeeri branch of Esaf Small Finance Bank Limited is situated at MECCA BUILDING,NO VII,664,CHERPULASSERY OTTAPALAM ROAD,THRIKKADEERI PO,PALAKKAD DISTRICT,KERALA 679502. 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 ESMF0001504 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 THRIKKADEERI branch came to be assigned the code ESMF0001504.
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 ESMF0001504, money simply cannot be routed to the THRIKKADEERI branch electronically.
Products and account variants supported
Every account opened at the Thrikkadeeri branch is mapped to IFSC ESMF0001504 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 ESMF0001504.
Banking services available
The Thrikkadeeri branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 491-8589903190.
- 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 ESMF0001504
How to transfer money using IFSC ESMF0001504
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 ESMF0001504 across all three.
NEFT to Esaf Small Finance Bank Limited, THRIKKADEERI using IFSC ESMF0001504
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 ESMF0001504, and confirm that the system picks up Esaf Small Finance Bank Limited – THRIKKADEERI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC ESMF0001504
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 – THRIKKADEERI, ensure your bank's portal accepts IFSC ESMF0001504 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 – THRIKKADEERI, use IMPS. With IFSC ESMF0001504 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 ESMF0001504 for Esaf Small Finance Bank Limited – THRIKKADEERI, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – ESMF0001504 | Yes – ESMF0001504 | Yes – ESMF0001504 |
For most retail customers crediting the Thrikkadeeri 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.
UPI payments and IFSC ESMF0001504
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 – THRIKKADEERI is still mapped to IFSC ESMF0001504. 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 ESMF0001504 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 Thrikkadeeri 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 ESMF0001504 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 ESMF0001504 and the account number together uniquely identify the Thrikkadeeri 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 – THRIKKADEERI:
- The IFSC is exactly ESMF0001504 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 THRIKKADEERI 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 Thrikkadeeri branch sits at MECCA BUILDING,NO VII,664,CHERPULASSERY OTTAPALAM ROAD,THRIKKADEERI PO,PALAKKAD DISTRICT,KERALA 679502. If you are travelling from outside Thrikkadeeri, search for the branch on a maps application using the bank name and locality, or call 491-8589903190 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 ESMF0001504 and your account number.
Verifying IFSC ESMF0001504 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 ESMF0001504 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 491-8589903190.
- 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 Thrikkadeeri branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESMF0001504, however, work 24x7.
Branch address & contact
Esaf Small Finance Bank LimitedThrikkadeeri Branch
MECCA BUILDING,NO VII,664,CHERPULASSERY OTTAPALAM ROAD,THRIKKADEERI PO,PALAKKAD DISTRICT,KERALA 679502
Thrikkadeeri, Kerala
Phone: 491-8589903190
IFSC: ESMF0001504
Frequently asked questions
What is the IFSC code of Esaf Small Finance Bank Limited Thrikkadeeri branch?
The IFSC code of Esaf Small Finance Bank Limited, Thrikkadeeri branch is ESMF0001504. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Esaf Small Finance Bank Limited Thrikkadeeri branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 491-8589903190 to confirm.
Where is Esaf Small Finance Bank Limited Thrikkadeeri branch located?
Esaf Small Finance Bank Limited's Thrikkadeeri branch is located at MECCA BUILDING,NO VII,664,CHERPULASSERY OTTAPALAM ROAD,THRIKKADEERI PO,PALAKKAD DISTRICT,KERALA 679502, Thrikkadeeri, Kerala.
Is IFSC ESMF0001504 the same for all accounts at Thrikkadeeri branch?
Yes. The IFSC ESMF0001504 is shared by every account held at Esaf Small Finance Bank Limited's Thrikkadeeri branch. Only the account number changes from customer to customer.
What is the phone number of Esaf Small Finance Bank Limited Thrikkadeeri branch?
You can reach the branch at 491-8589903190 during regular banking hours.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Thrikkadeeri branch but serve different purposes.
How quickly will an NEFT transfer using ESMF0001504 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Esaf Small Finance Bank Limited – Thrikkadeeri reflect within 30 minutes.
Is IFSC ESMF0001504 valid for NEFT and RTGS?
Yes. IFSC ESMF0001504 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: ESMF0001504 is the IFSC code of Esaf Small Finance Bank Limited, THRIKKADEERI branch, in THRIKKADEERI, 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.
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