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

Below are the complete branch details for Esaf Small Finance Bank Limited, THRIPUNITHURA branch, located in THRIPUNITHURA, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is ESMF0001153. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case ESMF0001153 for Esaf Small Finance Bank Limited – THRIPUNITHURA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Esaf Small Finance Bank Limited's THRIPUNITHURA branch, the IFSC ESMF0001153 breaks down as follows: ESMF identifies the bank, 0 is the reserved character, and 001153 identifies this particular branch.

Branch details at a glance

Bank profile

Esaf Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Thripunithura branch — IFSC ESMF0001153 — extends the bank's services to customers in and around Thripunithura, Kerala.

About this branch

The branch is located at SY NO 116 3,SRISHTI BUILDING NEAR POLICE STATION,VAIKOM ROAD,THRIPUNITHARA 682301. It serves the Thripunithura 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 ESMF0001153 is used to identify this branch on the RBI payments network.

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 THRIPUNITHURA branch came to be assigned the code ESMF0001153.

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 ESMF0001153, money simply cannot be routed to the THRIPUNITHURA branch electronically.

How to transfer money using IFSC ESMF0001153

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 ESMF0001153 across all three.

NEFT to Esaf Small Finance Bank Limited, THRIPUNITHURA using IFSC ESMF0001153

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 ESMF0001153, and confirm that the system picks up Esaf Small Finance Bank Limited – THRIPUNITHURA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THRIPUNITHURA

If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's THRIPUNITHURA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001153 while initiating the transfer and the credit will appear within minutes.

IMPS to Esaf Small Finance Bank Limited THRIPUNITHURA (IFSC ESMF0001153)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001153 in your mobile or internet banking app, and the money is credited to the THRIPUNITHURA branch account within seconds.

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

All three modes accept the IFSC ESMF0001153 for Esaf Small Finance Bank Limited – THRIPUNITHURA, 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 Thripunithura 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 ESMF0001153

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 – THRIPUNITHURA is still mapped to IFSC ESMF0001153. 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 ESMF0001153 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Thripunithura branch is mapped to IFSC ESMF0001153 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 ESMF0001153.

Products and services

Customers walking into the Thripunithura 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 ESMF0001153

MICR & cheque-truncation details

Cheques drawn on the Thripunithura branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESMF0001153 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC ESMF0001153

Esaf Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the THRIPUNITHURA branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC ESMF0001153 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Common mistakes to avoid when using IFSC ESMF0001153

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 – THRIPUNITHURA, 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: ESMF0001153.
• 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.

Reaching the branch

The Thripunithura branch sits at SY NO 116 3,SRISHTI BUILDING NEAR POLICE STATION,VAIKOM ROAD,THRIPUNITHARA 682301. If you are travelling from outside Thripunithura, search for the branch on a maps application using the bank name and locality, or call 484-8589900821 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 ESMF0001153 and your account number.

Verifying IFSC ESMF0001153 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 ESMF0001153 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 484-8589900821.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Thripunithura 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 ESMF0001153 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ESMF0001153 belongs to Esaf Small Finance Bank Limited's THRIPUNITHURA branch, located at SY NO 116 3,SRISHTI BUILDING NEAR POLICE STATION,VAIKOM ROAD,THRIPUNITHARA… in THRIPUNITHURA, 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.