ESMF0001632: Esaf Small Finance Bank, Melarcode
IFSC code ESMF0001632 belongs to the Melarcode branch of Esaf Small Finance Bank in Palakkad, Kerala. Its MICR code is 678760019.
- IFSC
- ESMF0001632
- MICR
- 678760019
- Branch
- Melarcode
- District
- Palakkad
- State
- Kerala
- Phone
- +919288093257
Branch address
Esaf Small Finance Bank
No 5 24 25, Mithri Building, Old Theatre Junction, Melarcode P O, Palakkad, Kerala 678703
Open in a map · Pincode 678703: post offices and area
Payment systems
| System | On RBI's list for this branch | What it is for |
|---|---|---|
| NEFT | Yes | Transfers of any amount, settled in half-hourly batches, all day |
| RTGS | Yes | Large transfers (₹2 lakh and above), settled one by one in real time |
| IMPS | Yes | Instant transfers, any time, usually for smaller amounts |
| UPI | Not marked | Payments by UPI ID or mobile number from apps |
Reading this IFSC
ESMF is Esaf Small Finance Bank's bank code, the fifth character 0 is kept for future use, and 001632 is the code of the Melarcode branch. In the MICR code 678760019, 678 is the city, 760 the bank and 019 the branch.
Other Esaf Small Finance Bank branches in Palakkad
All 67 Esaf Small Finance Bank branches in Palakkad
IFSC and your loan
When you take a loan through Oxon Fintech, the lending partner (a bank or NBFC) pays the money straight into your own bank account, so the application asks for your account number and its IFSC. Check both against your passbook or cheque book: a wrong IFSC can delay the payment. Oxon never asks for your OTP, PIN, CVV or passwords.
- Personal loan and business loan — apply once, see offers from several lenders.
- EMI calculator — the monthly payment for any amount and tenure.
Data: the Reserve Bank of India's list of NEFT and RTGS bank branches, as compiled by Razorpay's open-source IFSC dataset. Bank details change from time to time (branches merge, move or close); confirm the IFSC with your bank or on your cheque book before you send money. Oxon Fintech is a loan platform, not a bank, and is not linked to the banks listed.
The IFSC of Esaf Small Finance Bank's Melarcode branch (Palakkad, Kerala) is ESMF0001632.
678760019. MICR is printed at the bottom of the branch's cheques.
No 5 24 25, Mithri Building, Old Theatre Junction, Melarcode P O, Palakkad, Kerala 678703
RBI's list shows this branch on NEFT, RTGS and IMPS. Use the IFSC ESMF0001632 with the beneficiary's account number.
Ready to get started?
Pick a loan, share a few details and see the offers you may be eligible for — no obligation.
- One application
- Paperless, AA-based
- No obligation

