Branch Details — ESMF0001857
| Bank Name | Esaf Small Finance Bank |
| Branch Name | Karulai |
| IFSC Code | ESMF0001857 |
| MICR Code | Not allotted |
| Bank Code (RBI) | ESMF |
| Branch Code | 001857 |
| Address | PULATH COMPLEX,GROUND FLOOR,PANCHAYATHUPADI,NEW KARULAI GRAMA PANCHAYATH,KARULAI,MALAPPURAM-6793330 |
| City | Malappuram |
| District | Malappuram |
| State | Kerala |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | Not available |
Transfer Methods Using ESMF0001857
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC ESMF0001857.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC ESMF0001857.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is ESMF0001857. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Esaf Small Finance Bank Karulai branch, Malappuram, Kerala.
This branch has not been allotted an MICR code in RBI records.
Address: PULATH COMPLEX,GROUND FLOOR,PANCHAYATHUPADI,NEW KARULAI GRAMA PANCHAYATH,KARULAI,MALAPPURAM-6793330. 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 001857 identify the Karulai branch.
Yes. Esaf Small Finance Bank Karulai Branch (IFSC: ESMF0001857) 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 ESMF0001857 → select NEFT/RTGS/IMPS → confirm with OTP.