ESAF Small Finance Bank

Small Finance Bank Sector

“Banking for the Unbanked”

ESAF Small Finance Bank, headquartered in Thrissur, Kerala, is a mission-driven small finance bank that started operations in 2017 after receiving its SFB license from the RBI. Evolved from ESAF Microfinance, a social enterprise with over two decades of work in financial inclusion, ESAF SFB is one of India's foremost banks dedicated to serving low-income households, rural communities, women entrepreneurs, and migrant workers. The bank has a particularly strong microfinance portfolio, channeling credit to self-help groups, joint liability groups, and individual women borrowers across Kerala, Tamil Nadu, Andhra Pradesh, Odisha, and other states. ESAF SFB offers savings accounts, recurring deposits, fixed deposits with competitive rates, gold loans, micro loans, small enterprise loans, home loans, vehicle loans, and insurance products. The bank's values are deeply rooted in its faith-based founding ethos — equity, simplicity, appreciation, and frugality — which translate into genuinely transparent banking practices. With over 700 branches, ESAF SFB maintains a vast network in rural and semi-urban India. DICGC insured and RBI regulated, ESAF SFB is listed on BSE and NSE and is recognized as one of India's fastest-growing small finance banks. For customers seeking high FD rates, microfinance credit, and a bank with genuine social purpose, ESAF SFB represents an outstanding choice.