ESMFBranch Code: 001809

Esaf Small Finance Bank IFSC Code

KARUKACHAL Branch, KOTTAYAM, KOTTAYAM, KERALA

Primary IFSC Code

ESMF0001809

Banking information from our maintained dataset. Last Verified: 23 Sept 2026

The official Indian Financial System Code (IFSC) for Esaf Small Finance Bank, KARUKACHAL branch in KOTTAYAM, KERALA is ESMF0001809.

Branch Fact Sheet & Electronic Routing Details

Bank Name: Esaf Small Finance Bank
Branch Name: KARUKACHAL
MICR Code: Not Assigned / Non-MICR
City / District: KOTTAYAM (KOTTAYAM)
State: KERALA
Postal Pincode: 686542

Full Branch Address

BUILDING NO 105/D,CHANGANACHERRY - VAZHOOR ROAD,NEAR NSS KUNCTION,KARUKACHAL,KOTTAYAM-DIST,KERALA-686542, Pincode: 686542

Contact Details

Phone: Refer to Net Banking

How to Read IFSC Code: ESMF0001809

An Indian Financial System Code (IFSC) is a unique 11-character alphanumeric code assigned by the Reserve Bank of India to identify bank branches for electronic payment systems.

ESMFBank Identifier

First 4 alphabetic characters identify Esaf Small Finance Bank.

0Control Character

5th character is always numeral '0', reserved for future use.

001809Branch Code

Last 6 alphanumeric characters identify the specific physical branch.

Payment Systems Supported by this IFSC Code

Payment System	Settlement Time	Minimum Amount	Availability	Ideal For
NEFT (National Electronic Funds Transfer)	Half-hourly batches	₹1 (No minimum)	24x7x365	Routine bills, small & medium transactions
RTGS (Real Time Gross Settlement)	Real-time instant	₹2,00,000	24x7x365	High-value urgent financial transfers
IMPS (Immediate Payment Service)	Immediate	₹1 (Max ₹5 Lakh)	24x7x365	Instant mobile banking & emergency transfers

Both NEFT and RTGS operate around the clock in India. Always double check the 11-digit IFSC code and recipient account number before submitting your transfer.

Frequently Asked Questions: Esaf Small Finance Bank (ESMF0001809)

What is the IFSC Code for Esaf Small Finance Bank KARUKACHAL branch?

The IFSC Code for Esaf Small Finance Bank KARUKACHAL branch in KOTTAYAM, KERALA is ESMF0001809. It is used for NEFT, RTGS, and IMPS funds transfer.

What is the address of Esaf Small Finance Bank KARUKACHAL branch?

The branch is located at: BUILDING NO 105/D,CHANGANACHERRY - VAZHOOR ROAD,NEAR NSS KUNCTION,KARUKACHAL,KOTTAYAM-DIST,KERALA-686542, Pincode: 686542, KOTTAYAM, KERALA.

How to decipher the IFSC code ESMF0001809?

The first 4 characters 'ESMF' represent Esaf Small Finance Bank. The 5th character is '0' reserved for future use. The last 6 characters '001809' represent the specific KARUKACHAL branch code.