Esaf Small Finance Bank
PALAYAMKOTTAI TIRUNELVELI BRANCH
+917593001384
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 PALAYAMKOTTAI TIRUNELVELI
branch of Esaf Small Finance Bank, the code ESMF0001322 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 ESMF0001322 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 PALAYAMKOTTAI TIRUNELVELI
Payment Systems Supported by ESMF0001322
| 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—627760003—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 PALAYAMKOTTAI typically follows the RBI holiday calendar. Digital transfers via ESMF0001322 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 ESMF0001322 is the valid code for PALAYAMKOTTAI TIRUNELVELI at PALAYAMKOTTAI, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
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Financial Tools
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Branch Context
- • PALAYAMKOTTAI TIRUNELVELI Contact
- • Address of Esaf Small Finance Bank
- • MICR Code Finder
- • TAMIL NADU Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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