- ESAF Small Finance Bank personal loans are offered at competitive interest rates and can be availed to meet personal different financial needs.
- Applicants who apply through the Paisabazaar platform can experience a hassle-free digital personal loan process and end-to-end expert assistance.
- The applicant’s loan approval depends on his/her repayment capacity and creditworthiness.
- ESAF Small Finance Bank personal loans are disbursed quickly and have a minimal documentation requirement.
- These personal loans offer flexible repayment terms and require zero collateral.
ESAF Small Finance Bank Personal Loan

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5.7cr+Satisfied Customers
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₹65k Cr+Loans Disbursed
Hassle-Free Application Process
Highest Approval Chances
End-to-End Expert Assistance
Minimal Documentation Required

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Filters
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2.5%
Max. Loan Amount₹2 Crore
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2.5%
Max. Loan Amount₹2 Crore
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹4999+GST
Max. Loan Amount₹50 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹4999+GST
Max. Loan Amount₹50 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹40 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹40 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹12999+GST
Max. Loan Amount₹50 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹12999+GST
Max. Loan Amount₹50 Lakh
Processing Time1 - 2 Days
Interest Rate10% onwards
Processing FeesUpto 1.2%
Max. Loan Amount₹75 Lakh
Processing Time1 - 2 Days
Interest Rate10% onwards
Processing FeesUpto 1.2%
Max. Loan Amount₹75 Lakh
Processing Time1 - 2 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹1 Crore
Processing Time1 - 2 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹1 Crore
Processing Time3 - 5 Days
Interest Rate17% onwards
Processing FeesUpto 4%
Max. Loan Amount₹50 Lakh
Processing Time3 - 5 Days
Interest Rate17% onwards
Processing FeesUpto 4%
Max. Loan Amount₹50 Lakh
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About ESAF Small Finance Bank Personal Loan
ESAF Small Finance Bank Personal Loan Highlights
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. |
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Types of ESAF Personal Loan
ESAF Personal Loan Eligibility Criteria
For Regular Personal Loan
For Salary Overdraft
ESAF Personal Loan Documents Required
Identity Proof Documents (common to all):
Address Proof Documents (common to all):
Documents for salaried applicants:
Documents for pensioners
Documents for Salary Overdraft:
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Personal Loan Articles
View All ArticlesPaisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.
The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.
The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.
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Get up to ₹50 Lakhs starting at 9.98%*
Get up to ₹50 Lakhs starting at 9.98%*








