ESAF Small Finance Bank Personal Loan

Name: ESAF Small Finance Bank Personal Loan
Brand: Paisabazaar
Rating: 4.2 (2839 reviews)

ESAF Personal Loan interest rates range between 12.19% to 20% p.a. for loan amounts of up to Rs 5 lakh and repayment tenures of up to 35 months. The bank claims to take 2 days on loan credit decision after the borrower has submitted all the personal loan documents. The bank also offers the facility of salary overdraft for salary account holders of ESAF Bank.

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2839 Reviews

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800+Cities across India

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Customer Rating

4.2_/5

2839 Reviews

51M+Satisfied Customers

65+Lending Partners

800+Cities across India

Paisabazaar Exclusive Benefits

Wide Choice

Curated offers from 30+ lenders

Quick Disbursal

Money in your account instantly

SmartMatch

Offers ranked according to eligibility

Digital Process

Hassle-free & paperless

Personal Loan EMI Calculator

Amount

₹

₹1 L

₹5 L

₹10 L

₹15 L

₹20 L

Amount

₹1 L

₹5 L

₹10 L

₹15 L

₹20 L

₹

50K50L

Rate of Interest(Per Annum)

8%30%

Tenure

1Y 10Y

Your Monthly EMI Payment

₹0

Principal Amount₹0

Interest Amount₹0

Total Amount₹0

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HDFC Bank

10 Second Disbursal*100% Digital Process*Quick Disbursal

Max. Loan Amt.Upto ₹25L

Rate of Interest9.99% - 12.5%

Tenure upto1-5 Years

Processing Fee₹ 6,500

Axis Bank

Low Processing fee

Max. Loan Amt.Upto ₹40L

Rate of Interest9.99% - 17.15%

Tenure upto1-5 Years

Processing Fee1% - 1.5%

Kotak Mahindra Bank

Lowest Income requirement100% Digital Process*

Max. Loan Amt.Upto ₹25L

Rate of Interest9.98% - 17.2%

Tenure upto1-5 Years

Processing Fee1.1% - 1.5%

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About ESAF Personal Loan

Interest rate

Fees and Charges

Types

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End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

About ESAF Small Finance Bank Personal Loan

Interest rate- 12.19% to 20% p.a.
Repayment tenure-
- Regular Personal Loan: 12 to 35 months
- Salary Overdraft: renewable every 12 months
Loan amount-
- Regular Personal Loan: Rs 50,000 to Rs 5 lakh
- Salary Overdraft: Rs 25,000 to Rs 3 lakh
Processing fee- 1% of the loan amount

Note: For Salary Overdraft the Overdraft is of up to 3 times of the monthly Salary for Salary accounts maintained with ESAF bank.

ESAF Small Finance Bank Personal Loan Interest Rate

ESAF Bank Personal Loan interest rates range between 12.19% p.a. to 20% p.a. The final personal loan interest rates offered to the loan applicant would vary according to the credit score, monthly income, job profile, employer’s profile, etc. of the personal loan applicant.

Fees and Charges of ESAF Personal Loan

Processing fee

ESAF Bank charges a processing fee of 1% of the loan amount plus applicable charges.

Other Fees and Charges

Prepayment/Foreclosure charges	NA
Stamp duty & other statutory	As per state’s Stamp Act
Login fee	NA
Legal fee and technical valuation charges	NA
Documentation charges	NA
NACH/Cheque return charges	Rs 500 +GST
Overdue interest	30% p.a.

Types of ESAF Personal Loan

Regular Personal Loan: Borrowers can use loan proceeds for meeting their various financial needs related to wedding, medical emergencies, home renovation, higher education, etc.
Salary Overdraft: It is an overdraft facility on salary for the existing customers who have maintained a salary account with ESAF Bank. Customers can get an overdraft of up to 3 times of their monthly salary.

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All Your Needs

ESAF Personal Loan Eligibility Criteria

For Regular Personal Loan

Employees working in Nifty Top 100 Companies, Navaratnas, Government, PSUs, Private and Nationalised Banks, State/District level Co-operatives, Public limited companies, Hospitals, Educational Institutions
Regular pensioners (minimum monthly pension amount should be Rs 20,000)

For Salary Overdraft

Employees having 1 year vintage in their current organisation
Salary savings account with ESAF Bank

ESAF Personal Loan Documents Required

Identity Proof Documents (common to all):

Adhaar Card
Voter ID Card
PAN Card
Passport
Driving Licence

Address Proof Documents (common to all):

Adhaar Card
Voter ID
Driving Licence
Utility bill (electricity, water, gas etc)

Documents for salaried applicants:

Salary slips for 3 months
Bank account statement for 6 months evidencing salary credit

Documents for pensioners

Pension book/Pensioner’s ID card
Bank account statement for 6 months evidencing pension credit

Documents for Salary Overdraft:

Salary slips for 3 months

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Explore Our Personal Loan Lenders

Avail Personal Loan For
All Your Needs

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What our customers say

Personal Loan

Maine Paisabazaar se personal loan apply kiya or Jaldi approval bhi mil gaya aur zyada documents bhi nahi lage.

Abbaz AhmedApr 10, 2025

Got pre-approved Loan offer

I was looking for Personal loan and came across this platform. I applied online and received multiple loan offers instantly and got a pre-approved offer, and the amount was disbursed within 48 hours.

Kirti MadaanMar 17, 2025

Loan for Home Renovation

Do din pehle maine apne purane ghar ki renovation ke liye Paisabazaar se loan apply kiya. Process kaafi easy aur smooth tha. Aaj subah mujhe message aaya ki mera loan approve ho gaya hai.

Rohit GuptaMar 7, 2025

Personal Loan

Take Personal Loan from Paisabazaar. Approved in 2 days, easy process

Tarun RaghavJan 21, 2025

Took a personal loan

I took a personal loan from Bajaj Finserv via Paisabazaar, and it was easy! Paisabazaar made it smooth and simple. The whole process was quick and hassle-free!

Palvika PanchalJan 6, 2025

Personal Loan via Paisabazaar

Got a personal loan via Paisabazaar—super easy & quick! Kunal from sales was super helpful, explained everything well. Highly recommend! ?

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Mujhe ekdum urgent medical emergency ke liye paise chahiye the. Paisabazaar se loan liya, aur honestly, sab kuch ekdum smooth tha! Process fast tha, team helpful thi, aur paise bhi jaldi mil gaye

PawanDec 17, 2024

Get personal loan

Paisabazaar se pre-approved personal loan jadi milgya.. Or 48 hours mai paisa account mai agya.. Team is very helpful

Kirti GargDec 15, 2024

Good experience

Good experience with Paisabazaar! Loan approval hua within 48 hours aur rates bhi kaafi reasonable the.

Ashok KumarDec 13, 2024

Personal Loan

Main Travel k liye loan apply kiya tha.. jo jaldi hi approve hogya or account mai agya.

Deepak KumarDec 10, 2024

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Last updated: 29 August, 2025

Reviewed By

Vandana Punj

Written By

Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

*Applicable for selected customers

ESAF Small Finance Bank Personal Loan

Paisabazaar Exclusive Benefits

Personal Loan EMI Calculator

Your Monthly EMI Payment

Find Best Personal Loan Offers

Quick Links

How Can I Apply for a Personal Loan Online?

About ESAF Small Finance Bank Personal Loan

ESAF Small Finance Bank Personal Loan Interest Rate

Fees and Charges of ESAF Personal Loan

Processing fee

Other Fees and Charges

Types of ESAF Personal Loan

ESAF Personal Loan Eligibility Criteria

For Regular Personal Loan

For Salary Overdraft

ESAF Personal Loan Documents Required

How Can I Apply for a Personal Loan Online?

Personal Loan Articles

What our customers say

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