ESMF0001809 — Esaf Small Finance Bank, Karukachal
ESMF0001809 is the IFSC code of Esaf Small Finance Bank, Karukachal branch, Kottayam, Kerala. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | ESMF0001809 |
|---|---|
| Bank | Esaf Small Finance Bank |
| Branch | Karukachal |
| Address | BUILDING NO 105/D,CHANGANACHERRY - VAZHOOR ROAD,NEAR NSS KUNCTION,KARUKACHAL,KOTTAYAM-DIST,KERALA-686542 |
| City | Kottayam |
| District | Kottayam |
| State | Kerala |
| MICR code | — |
| SWIFT code | — |
| Phone | — |
| 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 Kottayam
- Changanassery — ESMF0001186
- Changanassery — ESMF0001234
- Chengalam East — ESMF0001138
- Chingavanam — ESMF0001810
- Erattupetta — ESMF0001823
- Ettumanoor — ESMF0001182
- Kanjirappally — ESMF0001158
- Kottayam — ESMF0001132
- Kuruvilangad — ESMF0001174
- Manarcad — ESMF0001164
- Pala — ESMF0001105
- Pampadi — ESMF0001409
How to read IFSC ESMF0001809
| Part | Meaning |
|---|---|
| ESMF | Bank code – Esaf Small Finance Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 001809 | Branch code – Karukachal, Kottayam |
Sending money to Esaf Small Finance Bank, Karukachal
Payments this branch can receive using IFSC ESMF0001809:
- 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 ESMF0001809.
Questions about IFSC ESMF0001809
What is the IFSC code of Esaf Small Finance Bank, Karukachal branch?
The IFSC code of Esaf Small Finance Bank, Karukachal branch (Kottayam, Kerala) is ESMF0001809.
Where is Esaf Small Finance Bank, Karukachal branch located?
The branch address is BUILDING NO 105/D,CHANGANACHERRY - VAZHOOR ROAD,NEAR NSS KUNCTION,KARUKACHAL,KOTTAYAM-DIST,KERALA-686542 (Kerala).
Does ESMF0001809 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.