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

Below are the complete branch details for Esaf Small Finance Bank Limited, UTHIRAMERUR branch, located in UTHIRAMERUR, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is ESMF0001456. 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 ESMF0001456 for Esaf Small Finance Bank Limited – UTHIRAMERUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – UTHIRAMERUR is ESMF0001456. The first four letters ESMF are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001456 map to this branch in UTHIRAMERUR, TAMIL NADU.

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 Uthiramerur branch — IFSC ESMF0001456 — extends the bank's services to customers in and around Uthiramerur, Tamil Nadu.

About this branch

The branch is located at NO 46,SENGUTHAR PILLAIYAR KOVIL STREET,UTHIRAMERUR PO,KANCHEEPURA,603406. It serves the Uthiramerur 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 ESMF0001456 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 UTHIRAMERUR branch came to be assigned the code ESMF0001456.

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 ESMF0001456, money simply cannot be routed to the UTHIRAMERUR branch electronically.

How to transfer money using IFSC ESMF0001456

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 ESMF0001456 across all three.

NEFT to Esaf Small Finance Bank Limited, UTHIRAMERUR using IFSC ESMF0001456

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 ESMF0001456, and confirm that the system picks up Esaf Small Finance Bank Limited – UTHIRAMERUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to UTHIRAMERUR

If you need to transfer ₹2 lakh or more in one go to an account at Esaf Small Finance Bank Limited's UTHIRAMERUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ESMF0001456 while initiating the transfer and the credit will appear within minutes.

IMPS to Esaf Small Finance Bank Limited UTHIRAMERUR (IFSC ESMF0001456)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ESMF0001456 in your mobile or internet banking app, and the money is credited to the UTHIRAMERUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Uthiramerur

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 ESMF0001456:

• 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 UTHIRAMERUR is still linked to IFSC ESMF0001456.

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 UTHIRAMERUR branch, the IFSC ESMF0001456 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 Uthiramerur branch is mapped to IFSC ESMF0001456 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 ESMF0001456.

Products and services

Customers walking into the Uthiramerur 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 ESMF0001456

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 ESMF0001456 and the account number together uniquely identify the Uthiramerur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Uthiramerur 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 ESMF0001456 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.

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 – UTHIRAMERUR:

• The IFSC is exactly ESMF0001456 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 UTHIRAMERUR 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.

How to reach the Uthiramerur branch

The branch is located at NO 46,SENGUTHAR PILLAIYAR KOVIL STREET,UTHIRAMERUR PO,KANCHEEPURA,603406, which puts it inside Uthiramerur, the broader Kanchipuram district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Esaf Small Finance Bank Limited Uthiramerur branch” — the verified location pin for IFSC ESMF0001456 should appear at the top of the results.
2. Confirm the branch is open by calling 44-8589975095 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 ESMF0001456 and your account number.

Verifying IFSC ESMF0001456 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 ESMF0001456 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 44-8589975095.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Uthiramerur 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 ESMF0001456 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ESMF0001456 belongs to Esaf Small Finance Bank Limited's UTHIRAMERUR branch, located at NO 46,SENGUTHAR PILLAIYAR KOVIL STREET,UTHIRAMERUR PO,KANCHEEPURA,603406 in UTHIRAMERUR, 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.