ESMF0001956: Esaf Small Finance Bank, Karuvanchal
IFSC code ESMF0001956 belongs to the Karuvanchal branch of Esaf Small Finance Bank in Kannur, Kerala.
- IFSC
- ESMF0001956
- MICR
- Not listed
- Branch
- Karuvanchal
- District
- Kannur
- State
- Kerala
- Phone
- +919288093059
Branch address
Esaf Small Finance Bank
No 7, C, Opp St Josephs Hospital, Vellad Road Kannur Kerala 670571
Open in a map · Pincode 670571: 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 001956 is the code of the Karuvanchal branch.
Other Esaf Small Finance Bank branches in Kannur
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 Karuvanchal branch (Kannur, Kerala) is ESMF0001956.
No 7, C, Opp St Josephs Hospital, Vellad Road Kannur Kerala 670571
RBI's list shows this branch on NEFT, RTGS and IMPS. Use the IFSC ESMF0001956 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

