Esaf Small Finance Bank — PANAMARAM Branch

How to Use ESMF0001603 for Money Transfers

The IFSC code ESMF0001603 is specifically assigned to the PANAMARAM branch of Esaf Small Finance Bank located in WAYANAD, KERALA. This unique code is mandatory for routing electronic payments correctly within India.

NEFT Transfer

Use ESMF0001603 when adding this branch as a beneficiary in NEFT transactions. NEFT operates in half-hourly batches from 12:30 AM to 12:00 AM on all days. Enter the IFSC, account number, and account holder name carefully to ensure successful transfer.

RTGS Transfer

For high-value transactions above ₹2 lakh, RTGS offers real-time gross settlement. Use ESMF0001603 along with the beneficiary's exact account number. RTGS is available on working days from 7:00 AM to 6:00 PM.

IMPS & UPI

IMPS and UPI allow instant 24×7 transfers. While UPI apps often auto-resolve the IFSC from the VPA, mobile banking apps require ESMF0001603 when registering a new beneficiary.

Always double-check the account number before confirming any transfer — the IFSC routes funds to the correct branch, but the account number specifies the exact recipient.

About Esaf Small Finance Bank PANAMARAM Branch

The PANAMARAM branch of Esaf Small Finance Bank is situated in WAYANAD, KERALA. The branch address is NO 360 17,KALPETTA MANATHAVADY ROAD,NEAR ST JUDES TOWN CHURCH,PANAMARAM P O,WAYANAD KERALA 670721. This branch supports electronic payment services including NEFT, RTGS, IMPS. You can contact this branch at +918589903021. Always use the IFSC code ESMF0001603 when making any online fund transfer to an account held at this branch.