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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4.2_/5

2839 Reviews

51M+Satisfied Customers

65+Lending Partners

800+Cities across India

Get up to ₹1,000*

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Valid till 15^th November '25

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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

Find Best Personal Loan Offers

Sort by:

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 ₹25L

Rate of Interest9.99% - 17.15%

Tenure uptoUpto 6 Years

Processing FeeUpto 2%

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

Why Choose Paisabazaar?

Compare & Choose the Best Offer

Pre-approved Offers with Instant Disbursals

Know Your Chances of Approval

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.

Avail Personal Loan For
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

Highly recommended platform

I applied for a personal loan for medical emergency through Paisabazaar and got amazing service like nowhere else. The team was extremely cooperative and followed up with me until I had my loan amount in my account. My loan was disbursed within 24 hours. It is indeed an excellent platform for taking loans.

Sunil YadavOct 29, 2025

Instant loan disbursal

I applied for a personal loan through Paisabazaar and got my loan disbursed in no less than 24 hours. The team was extremely cooperative, guided me through the entire process and followed up with me until I had my loan amount in my account. I highly recommend this platform to everyone looking for an urgent loan.

Neha JainOct 29, 2025

Excellent platform

Excellent platform for personal loan comparison! Their EMI calculator helped me pick the best tenure & my monthly emi.

Manish KumarOct 23, 2025

Got personal loan instant

I was a medical emergency & need funds instantly I applied for loan at Paisabazaar & see I have a pre approved offers & apply to it & amount disbursed in 48 hours thanks to paisabazaar teams

Mansi SharmaOct 17, 2025

Got loan yesterday

I got a loan of 2 lakh from Paisabazaar. Until now, I didn't know that it was so easy to get loan through Paisabazaar. They helped me with all documents and process and my loan was sanctioned yesterday itself.

Priyanka SharmaOct 15, 2025

Got personal loan in a few minutes

I had pre-approved offers. When I applied through Paisabazaar, I got my personal loan approved within a few minutes. The process was very hassle-free and the team was extremely cooperative.

Preeti SinghSep 26, 2025

Cibil kam tha fir bhi loan dila diya

Mera cibil kam tha fir bhi paisabazaar walo ne loan dila diya mujhe jo bohot jaruri tha.

Pawan SehrawatSep 25, 2025

Personal loan quick approved

My personal loan was quick approved on Paisabazaar. Everything was online and I was not required to submit any more documents.

Vivaan ShahSep 24, 2025

Loan Approved in on day

I confused between HDFC & Axis personal loans, but Paisabazaar showed me all the offers side by side. I apply in 10 minutes and got approval the next day!

Rahul MehtaSep 23, 2025

Personal loan mila yahaan se

Mujhko personal loan mila yahaan se bina koi dikkat hue. Maine toh online apply kiya aur 3 lakh ka loan mila 2 saal ke liye.

Pankaj SinhaSep 22, 2025

View All Testimonials

Written By

Vandana Punj

Reviewed 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

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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