Branch Details — ESMF0001546
| Bank Name | Esaf Small Finance Bank |
| Branch Name | Karuvarakundu |
| IFSC Code | ESMF0001546 |
| MICR Code | 676760155 |
| Bank Code (RBI) | ESMF |
| Branch Code | 001546 |
| Address | VAYALIL ARCADE,NEAR BUS STAND,MALAPPURAM,676523 |
| City | Malappuram |
| District | Karuvarakundu |
| State | Kerala |
| Contact | +918589907789 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | Not available |
Transfer Methods Using ESMF0001546
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC ESMF0001546.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC ESMF0001546.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is ESMF0001546. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Esaf Small Finance Bank Karuvarakundu branch, Malappuram, Kerala.
The MICR code is 676760155. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: VAYALIL ARCADE,NEAR BUS STAND,MALAPPURAM,676523. 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 001546 identify the Karuvarakundu branch.
Yes. Esaf Small Finance Bank Karuvarakundu Branch (IFSC: ESMF0001546) 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 ESMF0001546 → select NEFT/RTGS/IMPS → confirm with OTP.