Esaf Small Finance Bank • PATHANAMTHITTA, Kerala

KUMBANAD IFSC Code

Find the IFSC code (ESMF0001207), MICR (689760202), branch address, contact details, and banking information for Esaf Small Finance Bank KUMBANAD branch in PATHANAMTHITTA, Kerala.

Official 11-Digit IFSC Code ESMF0001207
IFSC format valid • Source: RBI Public Register
Last verified: 25 Sep 2026
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Branch Details

Bank Name Esaf Small Finance Bank
Branch Name KUMBANAD
IFSC Code ESMF0001207
MICR Code 689760202
City / Town PATHANAMTHITTA
District THIRUVALLA
State Kerala
Postal PIN Code Not available
Branch Address
ACEL PARK JUNCTION GROUND FLOOR,15 1002,303 2 NEAR MUTTUMON BUS STOP,MUTTUMON JUNCTION T K ROAD THIRUVALLA
Phone / Contact
Branch Direct: +918589001229
Verified Bank Helplines

Banking Status & State Holidays

Regular Working Day Last checked: 25 Sep 2026
Typical banking hours: 10:00 AM – 4:00 PM (subject to branch-specific schedules and local changes) in Kerala. Regular banking hours are typically 10:00 AM – 4:00 PM, subject to branch-specific schedules and administrative changes. Digital payment systems (NEFT, RTGS, IMPS, UPI) are generally operational round-the-clock per RBI/NPCI guidelines, subject to individual bank processing, system maintenance, and account limits.
Upcoming Bank Holidays in Kerala

Commercial banks observe weekly holidays on Sundays, 2nd & 4th Saturdays, and state-notified Negotiable Instruments Act holidays:

Date Day Holiday / Observance Type
26 Sep 2026 Saturday Fourth Saturday Bank Holiday RBI Banking Holiday
02 Oct 2026 Friday Mahatma Gandhi Jayanti National Holiday
10 Oct 2026 Saturday Second Saturday Bank Holiday RBI Banking Holiday
20 Oct 2026 Tuesday Mahanavami / Vijayadashami Kerala State Gazetted
24 Oct 2026 Saturday Fourth Saturday Bank Holiday RBI Banking Holiday

IFSC Code Structure

The 11-character Indian Financial System Code (IFSC) is structured into three standardized components:

ESMF Bank Code (Esaf Small Finance Bank)
0 Control Zero (Reserved)
001207 Branch Identifier
CTS-2010 Cheque MICR Code Breakdown
CTS-2010 Standard

The 9-digit MICR (Magnetic Ink Character Recognition) code printed on cheque leaves allows high-speed mechanical sorting:

689 Digits 1-3: City Code
760 Digits 4-6: Bank Code
202 Digits 7-9: Branch Code
Cheque No. "102450"
MICR Code (9 Digits) 689760202
RBI Account ID 000240
Transaction Code 10

Nearby Esaf Small Finance Bank Branches in THIRUVALLA

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Other Esaf Small Finance Bank branches located in and around THIRUVALLA:

Branch Name IFSC Code MICR City Action
THIRUVALLA ESMF0001115 689760002 PATHANAMTHITTA View →
VENNIKULAM ESMF0001130 689760203 PATHANAMTHITTA View →
ADOOR ESMF0001154 691760052 PATHANAMTHITTA View →
RANNI ESMF0001175 689760252 PATHANAMTHITTA View →
MALLAPALLY ESMF0001187 689760402 PATHANAMTHITTA View →
PATHANAMTHITTA ESMF0001188 689760102 PATHANAMTHITTA View →

Other Banks Operating in PATHANAMTHITTA

8 Banks

Explore branches and IFSC routing codes for other banks located in PATHANAMTHITTA, Kerala:

State Bank of India 89 branches
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Kerala State Co-operative Bank 61 branches
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Federal Bank 53 branches
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Kerala Gramin Bank 32 branches
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South Indian Bank 31 branches
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Canara Bank 25 branches
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Indian Overseas Bank 22 branches
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Catholic Syrian Bank 20 branches
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Branch Summary
  • Bank Code ESMF
  • Branch Code 001207
  • Clearing System NEFT / RTGS / IMPS
  • City PATHANAMTHITTA
  • State Kerala
About Esaf Small Finance Bank

One of India’s registered financial institutions authorized by the Reserve Bank of India to provide banking and electronic payment services.

View Esaf Small Finance Bank Profile & Branches (836)
State Directory

Explore all registered bank branches and IFSC codes in Kerala.

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Fund Transfer Options & Guidelines

Electronic transfers to Esaf Small Finance Bank are supported across national payment clearing networks:

UPI Charges Guide →
IMPS
Immediate Payment

Instant 24x7 interbank electronic fund transfer managed by NPCI.

Speed: Instant (Real-Time)
Limit: ₹1 – ₹5,00,000 / day
Charges: ₹2.50 – ₹15 + GST
Timing: 24x7 x 365
NEFT
National Transfer

Nationwide batch transfer system operated directly by the RBI.

Speed: Every 30 Minutes
Limit: No Min / Max Limit
Charges: 100% FREE Online
Timing: 24x7 x 365
RTGS
Gross Settlement

High-value gross settlement processed continuously by the RBI.

Speed: Instant Real-Time
Limit: Min ₹2 Lakh (No Max)
Charges: 100% FREE Online
Timing: 24x7 x 365
UPI / QR
Unified Payments

Instant mobile payments via VPA, phone number, or QR code.

Speed: Instant Real-Time
Limit: Up to ₹1,00,000 / txn
Charges: FREE for Individuals
Timing: 24x7 x 365
RBI Regulatory Guidance: Per Reserve Bank of India (RBI) notifications, banks do not levy any transaction fees on online NEFT and RTGS fund transfers initiated via internet banking or mobile apps for retail savings accounts. All electronic clearing systems operate 24x7 throughout the year.

How to Transfer Funds Using IFSC ESMF0001207

1
Add Beneficiary

Login to your bank portal or app. Go to Fund Transfer → Add Beneficiary. Enter Account Name, Number, and IFSC: ESMF0001207.

2
Cooling Period

Banks enforce a security cooling period (30 mins to 4 hours) for new beneficiaries before large transfers can be initiated.

3
Select Transfer Mode

Choose IMPS for instant transfers up to ₹5 Lakh, NEFT for standard transfers, or RTGS for amounts of ₹2 Lakh and above.

4
Authorize & Save UTR

Confirm the transfer using OTP or MPIN. Always save the generated Unique Transaction Reference (UTR / RRN) number for future tracking.

What Happens If You Enter an Incorrect IFSC Code?
  • If the IFSC does not exist: The payment gateway will reject the transaction immediately before any amount is deducted from your account.
  • If the IFSC belongs to another branch of Esaf Small Finance Bank: As long as the beneficiary account number is unique and valid within the core banking system, the transfer usually succeeds.
  • If both the IFSC and account number belong to an unintended valid person: The funds will be credited to that account. In such a scenario, contact your home branch immediately with the transaction UTR number to initiate a retrieval process.

Frequently Asked Questions: KUMBANAD Branch

The IFSC code for Esaf Small Finance Bank KUMBANAD is ESMF0001207. It is an 11-digit alphanumeric code assigned by the Reserve Bank of India to route electronic fund transfers to this branch location in PATHANAMTHITTA.
The 9-digit MICR code for KUMBANAD branch is 689760202. MICR (Magnetic Ink Character Recognition) is printed at the bottom of cheque leaves and enables automated high-speed cheque clearing through RBI CTS-2010 sorting machines.
Standard banking hours are typically 10:00 AM to 4:00 PM IST on regular business days. Branches are closed on Sundays, the 2nd and 4th Saturdays of every month, and state-declared public holidays under the Negotiable Instruments Act.
No. IFSC codes are strictly for domestic transactions within India (NEFT, RTGS, IMPS). For inward foreign remittances from abroad, you require Esaf Small Finance Bank's international SWIFT / BIC Code and the corresponding NOSTRO clearing routing details.
Consumers and individuals pay ₹0 (100% free) on all UPI transactions. Under NPCI rules, a 0.4% Merchant Discount Rate (MDR) applies strictly to commercial merchants for P2M transactions above ₹2,000 (capped at ₹300), while small merchants earning up to ₹1 Lakh/month and all P2P transfers are completely exempt.
On a standard CTS-2010 cheque, the IFSC code is printed at the top-center or top-left corner adjacent to the bank logo and branch address. On a passbook, it is displayed on the first account profile page along with your Customer ID and Account Number.
Data Source & Editorial Disclosure

Branch records, IFSC codes, and address information are sourced from public master directories published by the Reserve Bank of India (RBI.org.in) . Read our Data Methodology →

Legal Non-Affiliation Disclaimer: This website is an independent informational directory. We are not affiliated with, endorsed by, or sponsored by the Reserve Bank of India (RBI) or Esaf Small Finance Bank. Always verify beneficiary details before authorizing electronic fund transfers.

Found inaccurate information, changed phone numbers, or updated procedures?