Esaf Small Finance Bank — ULIKKAL

KANNUR, KERALA

IFSC Code

ESMF0001989

MICR Code

670760015

Branch

ULIKKAL

Bank

Esaf Small Finance Bank

District

ULIKKAL

State

KERALA

Contact

+917994399905

Address

BUILDING NO 12-330/DNEAR S J PETROL PUMP,VAYATHURKANNURKERALA 670705

Get Directions to This Branch

Using IFSC ESMF0001989 for money transfers

NEFT (National Electronic Funds Transfer) lets you send money to any account at Esaf Small Finance Bank's ULIKKAL branch from any other bank in India. Transfers are processed in half-hourly batches, so funds usually reach the recipient within a couple of hours, and there's no minimum or maximum amount restriction from RBI's side.

For amounts of ₹2 lakh or more sent to an account at Esaf Small Finance Bank, ULIKKAL, RTGS is usually the better choice over NEFT — each transaction settles on its own in real time instead of waiting in a batch.

IMPS (Immediate Payment Service) is the fastest of the three — funds move to ULIKKAL within seconds, any time of day including bank holidays. It's typically capped at ₹5 lakh per transaction depending on your bank's own limits.

NEFT & RTGS Timing — System Hours vs. Branch Hours

A distinction that matters if you're transferring to ULIKKAL: the RBI settlement system runs 24x7 for NEFT and RTGS, but that doesn't mean this specific branch is open around the clock. Online transfers process any time; in-person or cash-based requests still depend on the branch actually being open.

MethodSystem HoursIf Visiting ULIKKAL In Person
NEFT24x7x365, including weekends and holidays (RBI mandate since 16 Dec 2019)Online/net-banking NEFT processes any time. An in-branch, cash, or cheque-based NEFT request still depends on that branch's working hours.
RTGS24x7x365, including weekends and holidays (RBI mandate since 14 Dec 2020)Minimum transfer amount is ₹2 lakh. Same system-vs-branch-hours distinction as NEFT applies for in-person requests.
IMPS24x7x365 — always has been, no banking-hours restriction at the system level.Typically capped per transaction depending on your bank's own limits (often around ₹5 lakh).

Follow these steps to transfer money into an account held at ULIKKAL:

  1. Log in to your bank's net banking portal or mobile banking app.
  2. Add a new beneficiary/payee, entering the recipient's full name and account number.
  3. Enter the IFSC code ESMF0001989 when prompted — this routes the transfer to ULIKKAL specifically.
  4. Most banks require a short cooling-off period (often a few hours) after adding a new beneficiary before the first transfer.
  5. Once the beneficiary is active, choose NEFT, RTGS, or IMPS based on the amount and how quickly you need it to arrive.
  6. Enter the amount, review the details (name, account number, IFSC), and confirm with your OTP/PIN.

Frequently asked questions

What is the IFSC code of the Esaf Small Finance Bank ULIKKAL branch?

The IFSC code for Esaf Small Finance Bank's ULIKKAL branch in KANNUR, ULIKKAL, KERALA is ESMF0001989. This 11-character code is required for NEFT, RTGS, and IMPS transfers to any account held at this branch.

What is the MICR code of this branch?

The MICR code for this branch is 670760015. MICR codes are used for cheque clearing, while the IFSC code (ESMF0001989) is what's needed for electronic transfers like NEFT and RTGS.

Where is the ULIKKAL branch of Esaf Small Finance Bank located?

This branch is located at: BUILDING NO 12-330/DNEAR S J PETROL PUMP,VAYATHURKANNURKERALA 670705. It falls under ULIKKAL district, KERALA.

Can I use this IFSC code for both NEFT and RTGS transfers?

Yes — the same IFSC code (ESMF0001989) is used for NEFT, RTGS, and IMPS transfers to this branch. Which one you should pick depends on the amount and urgency, not the code itself: RTGS for ₹2 lakh+ needing near-instant settlement, NEFT for regular batch-processed transfers, and IMPS for smaller amounts that need to land in seconds.

Is there a phone number for this branch?

Yes, this branch's listed contact number is +917994399905.

Esaf Small Finance Bank in other districts of KERALA

THRISSUR (11)PALAKKAD (9)KOTTAYAM (7)MALAPPURAM (6)MANNUTHY (6)ERNAKULAM (5)KANNUR (4)KOZHIKODE (4)

IFSC and MICR code data sourced from bank-published branch records. While we take care to keep this current, always confirm the IFSC code with your bank before making a large transfer — see our disclaimer for details.