Branch Details — ESMF0001186
| Bank Name | Esaf Small Finance Bank |
| Branch Name | Changanassery |
| IFSC Code | ESMF0001186 |
| MICR Code | 686760052 |
| Bank Code (RBI) | ESMF |
| Branch Code | 001186 |
| Address | 15 139 A,SWEETY BUILDING,LAIKKAD BUS STOP,PERUNNA,CHANGANASSERY 686102 |
| City | Kottayam |
| District | Kottayam |
| State | Kerala |
| Contact | +918589002590 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | Not available |
Transfer Methods Using ESMF0001186
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC ESMF0001186.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC ESMF0001186.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is ESMF0001186. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Esaf Small Finance Bank Changanassery branch, Kottayam, Kerala.
The MICR code is 686760052. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: 15 139 A,SWEETY BUILDING,LAIKKAD BUS STOP,PERUNNA,CHANGANASSERY 686102. Branch timings: Monday–Friday 9:30 AM – 3:30 PM, Saturday 9:30 AM – 1:30 PM (closed 2nd/4th Saturdays).
ESMF identifies Esaf Small Finance Bank. The 5th character 0 is reserved by RBI. The last 6 characters 001186 identify the Changanassery branch.
Yes. Esaf Small Finance Bank Changanassery Branch (IFSC: ESMF0001186) is fully enabled for NEFT, RTGS, IMPS, available 24×7 including weekends and holidays.
Log in to your bank's net banking or mobile app → Fund Transfer → Add Beneficiary → enter account number and IFSC ESMF0001186 → select NEFT/RTGS/IMPS → confirm with OTP.