Esaf Small Finance Bank Kayamkulam
Kayamkulam · Alapuzha, Kerala
690760102 is the MICR code for the Kayamkulam branch of Esaf Small Finance Bank, located in Alapuzha, Kerala. MICR codes are printed on cheque leaves and used by the RBI's Cheque Truncation System (CTS) for cheque clearing. For online transfers, use the IFSC code ESMF0001200.
Bank
Esaf Small Finance Bank
Branch & Address
Kayamkulam
Green Garden Buildings, Puthiyidam, Kayamkulam 676505, Alapuzha District
Alapuzha, Kayamkulam, Kerala
Contact
+918589900787MICR Code Structure
690
City
760
Bank
102
Branch
City code 690 identifies the RBI clearing centre, bank code 760 identifies Esaf Small Finance Bank, and branch code 102 identifies this specific branch.
Online Payment Methods Supported
Other Esaf Small Finance Bank branches near Alapuzha
Other banks in Alapuzha, Kerala
About MICR Codes
What is a MICR code used for?
MICR (Magnetic Ink Character Recognition) codes are printed on cheque leaves using special magnetic ink. They are read by cheque processing machines and used by the RBI's Cheque Truncation System (CTS) to process and clear cheque payments between banks. Each MICR code uniquely identifies a bank branch for cheque clearing purposes.
MICR vs IFSC — when do I use which?
Use MICR when paying by cheque — it's already printed on your cheque leaf and used automatically during clearing. Use IFSC (ESMF0001200) when making online transfers via NEFT, RTGS, IMPS, or UPI — banks ask for IFSC when you add a beneficiary for online payments.
Where is the MICR code on a cheque?
The MICR code is printed at the bottom of every cheque leaf in a distinctive machine-readable font, using magnetic ink. It appears in the centre of the three numbers at the bottom — the cheque number is on the left, the MICR code 690760102 is in the middle, and your account number is on the right.