Esaf Small Finance Bank Elamkulam IFSC Code
Esaf Small Finance Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Elamkulam
District
Ernakulam
State
Kerala
🔍 Search for another branch
Top Financial Tools for Esaf Small Finance Bank Customers
Free calculators — no login required
Esaf Small Finance Bank Home Loan EMI Calculator
Calculate EMI, total interest & amortisation schedule
Esaf Small Finance Bank SIP Calculator
Project wealth from monthly mutual fund investments
Esaf Small Finance Bank FD Calculator
Estimate fixed deposit maturity with quarterly compounding
Esaf Small Finance Bank Car Loan EMI Calculator
Find your monthly instalment & total loan cost
Other Esaf Small Finance Bank Branches in Ernakulam
4 nearby branches — click to view IFSC
Ernakulam (287 Tvs Junction Kalamassery - 1720)
Angels World Metro Pillar No 287 Tvs Junction Kalamassery Ernakulum Kerela 683104
Mannoor (church Mannoor-ponjassery Ro - 1830)
Building No 587/a,b,c,d,e, Second Floor,kochupurackal Building,near St. George Bethelehem Jacobite Syrian Orthodox,church,mannoor-ponjassery Road & Mannoor Valakam Road Junction,district-ernakulam
Thiruvaniyoor (ambalapady Near Indian Oil - 1924)
Ambalapady Near Indian Oil Pump Thiruvaniyooryp O Ernakulam Kerala 682308
Ernakulam Chittoor Road (295 Chittoor Road Near Sheno - 1944)
No 66/295, Chittoor Road,near Shenoys,ernakulam,kerala-682 035
Frequently Asked Questions
About Esaf Small Finance Bank Elamkulam (tower Sa Road Elamkulam Erna - 1183), Ernakulam
The IFSC code ESMF0001183 (lowercase: esmf0001183) belongs to Esaf Small Finance Bank, specifically the Elamkulam (tower Sa Road Elamkulam Erna - 1183) branch located in Ernakulam, Kerala.
The 5th character in the IFSC code ESMF0001183 is a zero (0), not the letter 'O'. The correct format is ESMF0001183 (lowercase: esmf0001183), and not ESMFO001183. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Esaf Small Finance Bank Elamkulam (tower Sa Road Elamkulam Erna - 1183) in Ernakulam, Kerala is ESMF0001183. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Esaf Small Finance Bank Elamkulam (tower Sa Road Elamkulam Erna - 1183) is located at Ground Floor,st Marys Tower,sa Road,elamkulam,ernakulam 682020, Ernakulam, Kerala. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of Esaf Small Finance Bank Elamkulam (tower Sa Road Elamkulam Erna - 1183) is 682760007. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code ESMF0001183 is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code ESMF0001183 by checking: (1) The top-left corner of any Esaf Small Finance Bank Elamkulam (tower Sa Road Elamkulam Erna - 1183) cheque leaf, (2) The first page of your Esaf Small Finance Bank passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: ESMF0001183
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
ESMF0001183
What Each Part Means
- Bank Code — ESMF
- The first 4 characters uniquely identify Esaf Small Finance Bank at the national level. Every branch of Esaf Small Finance Bank across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — 001183
- The final 6 characters 001183 uniquely identify this specific branch within the Esaf Small Finance Bank network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | ESMF | Identifies Esaf Small Finance Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 001183 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
Swipe left to view full cheque
Esaf Small Finance Bank
Elamkulam (tower Sa Road Elamkulam Erna - 1183), Ernakulam, Kerala
Cheque No.
00001183
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | ESMF0001183 | 682760007 |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.