Esaf Small Finance Bank
KARIYAMPALAYAM BRANCH
+919288092169
Related Branches
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 KARIYAMPALAYAM
branch of Esaf Small Finance Bank, the code ESMF0001324 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 ESMF0001324 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 KARIYAMPALAYAM
Payment Systems Supported by ESMF0001324
| 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—641760008—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 KARIYAMPALAYAM typically follows the RBI holiday calendar. Digital transfers via ESMF0001324 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 ESMF0001324 is the valid code for KARIYAMPALAYAM at KARIYAMPALAYAM, 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
- • KARIYAMPALAYAM Contact
- • Address of Esaf Small Finance Bank
- • MICR Code Finder
- • TAMIL NADU Banking Circle
Platform Links
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- • IFSC Finder v2.0
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