ESAF Small Finance Bank Limited

ESAF Small Finance Bank Ltd is a scheduled commercial bank headquartered in Thrissur, Kerala, India, with a core mission of promoting financial inclusion. The bank was rooted in the microfinance sector, evolving from ESAF Microfinance and Investments Pvt. Ltd. and formally commenced banking operations in March 2017 under the RBI's Small Finance Bank guidelines. ESAF SFB primarily targets unserved and underserved segments, focusing on micro, small, and medium enterprises (MSMEs), retail, agriculture, and the low-income population, especially in rural and semi-urban locations.

With a broad network spanning over 700 banking outlets and more than 500 ATMs (as of fiscal year 2024), ESAF SFB has established a significant presence across multiple states in India. The bank provides a comprehensive suite of banking and financial products, including savings and current accounts, fixed and recurring deposits, agriculture loans, MSME loans, housing finance, microloans, and products tailored for women entrepreneurs and self-help groups. ESAF emphasizes digital initiatives, self-service kiosks, and doorstep banking to expand its reach and operational efficiency.