ESMF0001602 — Esaf Small Finance Bank, Kizhakkencheri
ESMF0001602 is the IFSC code of Esaf Small Finance Bank, Kizhakkencheri branch, Palakkad, Kerala. MICR 678760053. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | ESMF0001602 |
|---|---|
| Bank | Esaf Small Finance Bank |
| Branch | Kizhakkencheri |
| Address | NO 21 860 861 NEAR, VSA AUDITORIUM, KUNDUKAD, KIZHAKKENCHERY P O, PALAKKAD, KERALA 678684 |
| City | Palakkad |
| District | Kizhakkencheri |
| State | Kerala |
| MICR code | 678760053 |
| SWIFT code | — |
| Phone | +918589913533 |
| NEFT | Yes |
| RTGS | Yes |
| IMPS | Yes |
| UPI | No |
Source: Reserve Bank of India IFSC/MICR list, as compiled by the open-source Razorpay IFSC dataset (MIT licence), updated 08 Nov 2026. Always confirm the IFSC with your bank before sending money.
Other Esaf Small Finance Bank branches in Palakkad
- Adiperanda — ESMF0001627
- Agali — ESMF0001631
- Alanallur I — ESMF0001398
- Alathur — ESMF0001113
- Ambalapara Ii — ESMF0001499
- Anakkatty — ESMF0001705
- Chalavara — ESMF0001610
- Chalissery — ESMF0001501
- Cherpulacherry — ESMF0001295
- Elapully I — ESMF0001386
- Eruthempathy — ESMF0001584
- Kadampazhipuram — ESMF0001615
How to read IFSC ESMF0001602
| Part | Meaning |
|---|---|
| ESMF | Bank code – Esaf Small Finance Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 001602 | Branch code – Kizhakkencheri, Palakkad |
The MICR code 678760053 is printed at the bottom of cheques from this branch: 678 is the city code, 760 the bank code and 053 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Esaf Small Finance Bank, Kizhakkencheri
Payments this branch can receive using IFSC ESMF0001602:
- NEFT – available 24×7, all days; RBI sets no minimum or maximum amount (your bank may set its own limit).
- RTGS – for ₹2 lakh and above, settled in real time, 24×7.
- IMPS – instant transfer 24×7, usually up to ₹5 lakh per transaction.
To pay someone here you need their account number, the account holder’s name and the IFSC ESMF0001602.
Questions about IFSC ESMF0001602
What is the IFSC code of Esaf Small Finance Bank, Kizhakkencheri branch?
The IFSC code of Esaf Small Finance Bank, Kizhakkencheri branch (Palakkad, Kerala) is ESMF0001602.
What is the MICR code of Esaf Small Finance Bank, Kizhakkencheri?
The MICR code of this branch is 678760053.
Where is Esaf Small Finance Bank, Kizhakkencheri branch located?
The branch address is NO 21 860 861 NEAR, VSA AUDITORIUM, KUNDUKAD, KIZHAKKENCHERY P O, PALAKKAD, KERALA 678684 (Kerala).
Does ESMF0001602 support RTGS and NEFT?
NEFT: yes. RTGS: yes. IMPS: yes (as per the RBI list in our records).
Income tax refund not received?
A refund fails when the bank account on the income tax portal is not pre-validated or the IFSC has changed after a bank merger. We fix the account, raise a refund re-issue request and follow up — online, anywhere in India.