IFSC Code of Esaf Small Finance Bank Limited, Tirumakudal Narsipur Branch, Kerala

If you are searching for the IFSC code of Esaf Small Finance Bank Limited, TIRUMAKUDAL NARSIPUR branch in TIRUMAKUDAL NARSIPUR, KERALA, this page has every detail you need. The verified IFSC code for this branch is ESMF0001491. 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 TIRUMAKUDAL NARSIPUR branch, and detailed step-by-step guides for using the IFSC ESMF0001491 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.

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 TIRUMAKUDAL NARSIPUR branch, the IFSC ESMF0001491 breaks down as follows: ESMF identifies the bank, 0 is the reserved character, and 001491 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 Tirumakudal Narsipur branch — IFSC ESMF0001491 — extends the bank's services to customers in and around Tirumakudal Narsipur, Kerala.

About the Tirumakudal Narsipur branch

The Tirumakudal Narsipur branch of Esaf Small Finance Bank Limited is situated at NO 23 45,VIVEKANDA NAGAR,NEAR RMC,MYSORE,571124. 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 ESMF0001491 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 TIRUMAKUDAL NARSIPUR branch came to be assigned the code ESMF0001491.

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 ESMF0001491, money simply cannot be routed to the TIRUMAKUDAL NARSIPUR branch electronically.

How to transfer money using IFSC ESMF0001491

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 ESMF0001491 across all three.

How to use IFSC ESMF0001491 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 TIRUMAKUDAL NARSIPUR 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 ESMF0001491.
4. Confirm the bank name auto-populates as Esaf Small Finance Bank Limited and the branch as TIRUMAKUDAL NARSIPUR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to TIRUMAKUDAL NARSIPUR

If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's TIRUMAKUDAL NARSIPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001491 while initiating the transfer and the credit will appear within minutes.

IMPS to Esaf Small Finance Bank Limited TIRUMAKUDAL NARSIPUR (IFSC ESMF0001491)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001491 in your mobile or internet banking app, and the money is credited to the TIRUMAKUDAL NARSIPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Tirumakudal Narsipur

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 ESMF0001491:

• 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 TIRUMAKUDAL NARSIPUR is still linked to IFSC ESMF0001491.

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 TIRUMAKUDAL NARSIPUR branch, the IFSC ESMF0001491 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 Tirumakudal Narsipur branch is mapped to IFSC ESMF0001491 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 ESMF0001491.

Products and services

Customers walking into the Tirumakudal Narsipur 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 ESMF0001491

MICR & cheque-truncation details

Cheques drawn on the Tirumakudal Narsipur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ESMF0001491 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC ESMF0001491

Esaf Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the TIRUMAKUDAL NARSIPUR 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 ESMF0001491 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 ESMF0001491

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 – TIRUMAKUDAL NARSIPUR, 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: ESMF0001491.
• 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.

How to reach the Tirumakudal Narsipur branch

The branch is located at NO 23 45,VIVEKANDA NAGAR,NEAR RMC,MYSORE,571124, which puts it inside Tirumakudal Narsipur, the broader Mysore district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Esaf Small Finance Bank Limited Tirumakudal Narsipur branch” — the verified location pin for IFSC ESMF0001491 should appear at the top of the results.
2. Confirm the branch is open by calling 8227-9895709755 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC ESMF0001491 and your account number.

Verifying IFSC ESMF0001491 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 ESMF0001491 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8227-9895709755.
• 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 Tirumakudal Narsipur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ESMF0001491, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: ESMF0001491 is the IFSC code of Esaf Small Finance Bank Limited, TIRUMAKUDAL NARSIPUR branch, in TIRUMAKUDAL NARSIPUR, 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.