Esaf Small Finance Bank branches in Payyanur: Get the list of Esaf Small Finance Bank MICR codes in Payyanur which are made available by Branch. Payyanur MICR code is a character-recognition technology used mainly by the banking industry to ease the processing and clearance of cheques and other documents. Payyanur MICR code has 9 digits first three digits are Payyanur City Code, second three digits are Payyanur bank code and last three are Payyanur branch code.