ESMF0001656 — Esaf Small Finance Bank, Valiyakunnu
ESMF0001656 is the IFSC code of Esaf Small Finance Bank, Valiyakunnu branch, Malappuram, Kerala. MICR 676760018. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | ESMF0001656 |
|---|---|
| Bank | Esaf Small Finance Bank |
| Branch | Valiyakunnu |
| Address | DOOR NO 2 602,KHADER SHAN COMPLEX,VALIYAKUNNU P O,MALAPPURAM,KERALA 676552 |
| City | Malappuram |
| District | Valiyakunnu |
| State | Kerala |
| MICR code | 676760018 |
| SWIFT code | — |
| Phone | +917593869498 |
| 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 Malappuram
- Anamangad — ESMF0001856
- Angadippuram — ESMF0001518
- Areekode — ESMF0001391
- Changaramkulam — ESMF0001137
- Chelari — ESMF0001648
- Chungathara — ESMF0001582
- Edakkara — ESMF0001283
- Edavanna — ESMF0001522
- Edavannapara — ESMF0001859
- Edayoor — ESMF0001586
- Kalikavu — ESMF0001623
- Kalpakancheri — ESMF0001642
How to read IFSC ESMF0001656
| Part | Meaning |
|---|---|
| ESMF | Bank code – Esaf Small Finance Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 001656 | Branch code – Valiyakunnu, Malappuram |
The MICR code 676760018 is printed at the bottom of cheques from this branch: 676 is the city code, 760 the bank code and 018 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Esaf Small Finance Bank, Valiyakunnu
Payments this branch can receive using IFSC ESMF0001656:
- 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 ESMF0001656.
Questions about IFSC ESMF0001656
What is the IFSC code of Esaf Small Finance Bank, Valiyakunnu branch?
The IFSC code of Esaf Small Finance Bank, Valiyakunnu branch (Malappuram, Kerala) is ESMF0001656.
What is the MICR code of Esaf Small Finance Bank, Valiyakunnu?
The MICR code of this branch is 676760018.
Where is Esaf Small Finance Bank, Valiyakunnu branch located?
The branch address is DOOR NO 2 602,KHADER SHAN COMPLEX,VALIYAKUNNU P O,MALAPPURAM,KERALA 676552 (Kerala).
Does ESMF0001656 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.