Esaf Small Finance Bank
ESAF SMALL FINANCE BANK LIMITED BRANCH
+918589001748
Understanding IFSC Code: The Digital DNA of Esaf Small Finance Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the ESAF SMALL FINANCE BANK LIMITED
branch of Esaf Small Finance Bank, the code ESMF0000004 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the ESMF0000004 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"ESMF" represents Esaf Small Finance Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for ESAF SMALL FINANCE BANK LIMITED
Payment Systems Supported by ESMF0000004
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code——is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Esaf Small Finance Bank in MANNUTHY typically follows the RBI holiday calendar. Digital transfers via ESMF0000004 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While ESMF0000004 is the valid code for ESAF SMALL FINANCE BANK LIMITED at MANNUTHY, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
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Financial Tools
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Branch Context
- • ESAF SMALL FINANCE BANK LIMITED Contact
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Platform Links
- • Anand Design DevBox
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- • IFSC Finder v2.0
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