ESAF Small Finance Bank Limited was incorporated on May 5, 2016 at Thrissur, Kerala, as a Public Limited Company with the RoC. The Bank received license to carry on business as a SFB from the Reserve Bank of India on November 18, 2016 and commenced their banking operations from 10 March 2017. Web site created for ESAF Net Banking Find the IFSC and MICR codes of ESAF Small Finance Bank Limited branches in 28 states of India. Use the online tool to select bank , state, district and branch and get the details of address, phone and code. ESAF Small Finance Bank (formerly known as ESAF Microfinance and Investments) is an Indian small finance bank headquartered in Thrissur, Kerala, providing banking services and small loans to the underbanked.