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ESAF Microfinance is one of the leading NBFC-MFIs (Microfinance Institution)  in India (RBI Reg. No.: B-07-00652). ESAF had a humble beginning in 1992 with a small office in Thrissur, Kerala, launched by a group of like minded social entrepreneurs. The inception of ESAF was propelled by the growing unemployment among the educated youth. Inspired by the success of Grameen Bank, initiated by Nobel Peace Laureate Professor Muhammad Yunus, the founders of ESAF ventured into micro-financing and creation of self sustainable groups to address the issues of poverty alleviation and employment generation...

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ESAF organizes Financial Inclusion Seminar ESAF organizes Financial Inclusion Seminar ESAF Microfinance partnered with Center for Financial Inclusion, ACCION, to observe Financial Inclusion Week from October 17th to October 21st 2016. The Financial Inclusion Week was observed with the purpose of spreading the essence of financial inclusion, which allows accessing a full suite of quality financial services, at affordable prices, in a convenient manner, with respect and dignity. A seminar was organised on financial inclusion on the topic Financial Inclusion: How far have we reached? A Kerala perspective at Hotel Ashoka Inn, Thrissur. Major stakeholders related to financial inclus... Read more
ESAF observes World Car Free Day at Malappuram ESAF observes World Car Free Day at Malappuram ESAF observed World Car-free Day for the first time in Malappuram on October 02, 2016 at Perinthalmanna road in partnership with Livable Cities Network, Rotary Club Malappuram, Kottakkunnu Koottayma and HealthBridge Foundation. P Ubaidulla, MLA, Malappuram, inaugurated the event. K. Padmakumar, Chief Financial Officer, ESAF, Rouf Varikkodan, Organising Committee President, C.H. Jameela Teacher, Municipal Chairperson, Malappuram, Manju George, Sr. Programme Manager, ESAF, Kurikesh Mathew, MSP Deputy Commandant, Haris Aamiya, Municipal Councilor and Labeeba Thayyil, Project Co-ordinator, ESAF sp... Read more
ESAF observes Gandhi Jayanthi ESAF observes Gandhi Jayanthi As part of Gandhi Jayanthi celebrations, ESAF Co-operative participated in Swachh Bharat Mission at Malappuram. Kurikesh Mathew, MSP Deputy Commandant, inaugurated the cleanliness campaign at Perinthalmanna Road, Malappuram on October 02, 2016. ESAF team actively participated in removing all sorts of garbage, bushes and other unhygienic materials from the highway side. ESAF also organised cleaning programs at ESAF Hospital and Research Centre, Thachampara. Nearly 130 people including staff & students participated in the programme. The function was inaugurated by Eby M.P, Sub Inspector of... Read more
 ESAF Organizes Subhayathra Traffic Awareness Program ESAF Organizes Subhayathra Traffic Awareness Program ESAF joined hands with Thrissur City Police to organize 'Subhayathra' Traffic awareness program. The program was conducted at Thermadom auditorium, Pattikkad, Thrissur on Oct 04, 2016. M. K. Gopalakrishnan, ACP, Admin, inaugurated the function. George Thomas, Executive Director, ESAF Microfinance was the Chief Guest. E. Babu, Sub Inspector of Police, Peechi, T. Manoj, ASI, Peechi, T. Sasi, Sr. CPO, and P.S. Sunil Kumar spoke on the occasion. The participants included drivers and student police cadets. ESAF sponsored 250 first aid kits and bags for all the drivers who participated in the functi... Read more
ESAF Observes World Car Free Day ESAF Observes World Car Free Day ESAF observed World Car-free Day for the third time at Ramanilayam Road, order Thrissur on September 21 and for the first time in Kochi at Panampilly Nagar on Sep 25, 2016. The programs were organised in partnership with Livable Cities Network, NATPAC (National Transportation Planning & Research Centre), Kerala State Pollution Control Board and HealthBridge Foundation. The Cochin Corporation, Kochi Metro, Rajagiri college of Social Sciences and Cochin Shipyard also supported the program in Kochi. Ajitha Jayarajan, Hon. Mayor, Thrissur, inaugurated the event at Thrissur and K. Paul Thomas,... Read more
ESAF Celebrates Onam ESAF Celebrates Onam ESAF celebrated Onam in a befitting and colourful manner at the parish hall, sickness St. Joseph Church, recipe Ollukkara on Aug 08, 2016. Babu Narayanan, Film Director, inaugurated the programme and delivered the Onam message. K. Paul Thomas, Chairman of ESAF Group presided over the function. George Thomas, Executive Director, ESAF Microfinance and Jacob Samuel, Director- Programmes spoke on the occasion. Mr. Joffy Tharakan, Malayalam lyricist also offered felicitations. The sumptuous Onasadyaand the cultural programs addedtaste and colour to the occasion.ESAF Head office team won the flora... Read more
ESAF Organizes Vanitha Fest “Onolsav-2016” ESAF Organizes Vanitha Fest “Onolsav-2016” As part of Onamcelebrations, drug ESAF conducted a Mega Vanitha Fest- “ESAF Onolsav2016” from September 01 –06, 2016, at Town Hall, Thrissur. Handicraft items, food items, organic vegetables, candles, other hand made products made by ESAF sangam members were arranged for exhibition cum sale. Smt. Sheela Vijayakumar, District Panchayat President, Thrissur, inaugurated the function and Sri. Varghese Kandamkulathy, Deputy Mayor, Corporation,Thrissur presided over the function. Special programs were organized as part of the event, which included seminars, short films, free medical check-ups, hono... Read more
 ESAF Microfinance receives CSR Excellence Award ESAF Microfinance receives CSR Excellence Award ESAF Microfinane received Indywood CSR Excellence Award on 26th September 2016 at Indywood Film Carnival, physician Ramoji Film City, store Hyderabad. ESAF was selected for this award in community microfinance programmes. Sakthi Kumaran S. Senior Manager, ESAF Microfinance received the award from Sohan Roy S.K., Founder Director, Indywood. Read more
ESAF enters into partnership with UN Habitat ESAF enters into partnership with UN Habitat ESAF has entered into an agreement with UN Habitat to function as an associate partner for their project ‘World Urban Campaign - The City We Need’. ESAF was selected based on the urban solutions suggested under the ‘Livable Cities project’. Some of them were ‘Active and Safe Route to School Program - A way to the future, view now is the chance’ and ‘Community engagement as a way of advocacy to reclaim under-utilised spaces’. The World Urban Campaign (WUC) is an advocacy and partnership platform coordinated by UN-Habitat to raise awareness about positive urban changes in order to achieve the d... Read more
ESAF sponsors ‘K. Rajan MLA Award -2016' ESAF sponsors ‘K. Rajan MLA Award -2016' K.Rajan MLA Award-2016 was instituted to honor schools with cent percent record and students who got A+ or A in all the subjects in SSLC and Plus Two examinations, treat from Ollur constituency. ESAF Microfinance is the main sponsor of the awards and the awards were distributed in a function held at Veterinary College Auditorium, find Mannuthy on August 13, order 2016. Prof. C. Ravindranath, Minister for Education inaugurated the function. K. Rajan, MLA, Ollur presided over the function. K. Paul Thomas, Chairman and Managing Director, ESAF Microfinance spoke on the occasion. Read more
ESAF organizes training for Arogyamithra - Health Workers ESAF organizes training for Arogyamithra - Health Workers In August 2016, thumb ESAF organized a three-day capacity building program for Arogyamithra health workers. Jacob Samuel, order Social Advisor, pilule ESAF Microfinance inaugurated the function. Ajil Lawrence, Project Officer, Arogyamithra led the second session and had highlighted on the importance of sugar level in human body. Beena George, AGM, Corporate Social Responsibility, conducted the training session for AHWs. During the session, she introduced the concepts of mental health, mental illness and mental issues related to women. The prime objective of this session was to remove taboos... Read more
ESAF Organizes Anemia Prevention Training Program ESAF Organizes Anemia Prevention Training Program ESAF has organized anemia prevention and control program at Sonpipri village (Chhindwara branch) in Madhya Pradesh on August 05, sale 2016. 35 women beneficiaries were participated in the training programme. Bhagwati Parteki, ailment ANM Nurse of Sonpipri PHC Center, malady inaugurated the programme and Lalita and Sushma Asha were the chief guests. Iron syrup was distributed to the attended members.  Plans are on the anvil to tie up with Government Primary Health Centres to supply free iron tablets along with deworming tablets Read more
ESAF Organizes Financial Literacy Programs ESAF Organizes Financial Literacy Programs Financial Literacy Programs were organized in Thiruvanmiyur, recipe Kanchipuram and Minjur branches of Tamil Nadu region. At Thiruvanmiyur, 35 members attended the function and at Kanchipuram, 22 members attended the function. 35 members participated in the Minjur branch program as well. Read more
ESAF Organizes Capacity Building Programs ESAF Organizes Capacity Building Programs ESAF organised Capacity building programs in Butibori, see Chindwara, viagra sale Koradi and Seoni branches. 65 members attended the program at Butibori and 72 members participated in the program at Chhindwara. At Koradi, 50 members participated and at Seoni 150 members participated. Read more
ESAF Organizes Skill Training Programs ESAF Organizes Skill Training Programs ESAF organized skill training programs at Tumsar, cialis Alathur, ambulance Velanthavalam, view Mudapallur,  Punalur and  Valappad Branches. Soap and phenoyl making training were given at Tumsarand Velanthavalam branches and 85 members were benefitted from the programs.  Althaur and Valapad branches gave training on candle making and 50 members were benefitted. Mudapallur branch gave training to 25 members for mushroom training and candle making. Read more

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Finding the 'beauty' in her life… Finding the 'beauty' in her life… Finding the 'beauty' in her life… Manjula, Tamil Nadu 43 year old Manjula has been a member of ESAF for the past 8 years. She was passionate about owning a business of her own an... Read more
She knows the knack of converting a crisis in to an opportunity She knows the knack of converting a crisis in to an opportunity She knows the knack of converting a crisis in to an opportunity  Mary, help Kerala The physically challenged 45-year old women, salve Mary hails from Wadakanchery. She lives wit... Read more
Her flight of fancy Her flight of fancy Her flight of fancy Hemakumari, click Durg 40 year old Hemakumari has been associated with ESAF for four years. She owns a shop in Durg to sell seasonal clothes, cure fancy items... Read more
Stitching dreams step by step Stitching dreams step by step Stitching dreams step by stepRadhamani, Tamil NaduAt the age of 26, buy when most women prefer to relax on the shoulders of their better halves, fate had left Radhamani without  ... Read more
Steely resolve… Steely resolve… Steely resolve…Archana, health illness MaharashtraArchana is a business woman running a utensils shop in Nagpur. Few years back she decided to join ESAF as she was finding it dif... Read more
Fanciful life, fierce determination Fanciful life, fierce determination Fanciful life, medicine fierce determinationRajamani, Tamil NaduRajamani from Sengalipalayam has been with ESAF for more than five years. She decided to join ESAF, when she realiz... Read more
Tailoring her way to success Tailoring her way to success Tailoring her way to successGurmeet, buy cialis  MaharashtraGurmeet, ailment an 8th standard drop out is now a successful entrepreneur. She is leading a happy life with her husband... Read more
The bamboo artist... The bamboo artist... The bamboo artist...Sitamuni Hembrom, JharkhandSitamuni Hembrom and her family were living in abject poverty and were struggling to survive. She belonged to the traditional Bamboo ... Read more
Cups and saucers bring her cup of tea Cups and saucers bring her cup of tea Cups and saucers bring her cup of teaMeena Maruti Gaykoad, discount Madhya PradeshMeena Maruti Gaykoad aged 35 engages in the business of selling cup and saucers. She is well supp... Read more
Dreaming from a food cart Dreaming from a food cart Dreaming from a food cart  Shyby Subash, hospital KeralaShyby Subash runs a food cart adjacent to her home. Her husband Subash, check generic who is a mason, patient also suppor... Read more
Small toys... Big dreams... Small toys... Big dreams... Small toys... Big dreams... Sindhya, Tamil Nadu34 year old Sindya is always fond of children. For someone who lived a community life from childhood, cialis 'being a child' always h... Read more
Crispy success story Crispy success story Crispy success storyParashakthi, pilule recipe KeralaParashakthi aged 37 engages in the business of preparing crispy tapioca chips and selling it to bakeries in and around Thriss... Read more
Enjoying the sweetness of 'pappadam'... Enjoying the sweetness of 'pappadam'... It's been 5 years since Usha Pampavan enrolled as a client of ESAF Microfinance. The 43 year old lady has been engaged in the business of making pappadams for the past 25 years. Sh... Read more
Water doesn’t force Shalu to meet her waterloo Water doesn’t force Shalu to meet her waterloo ShaluTirpude resides in Silli near Bhandara. For this poor lady, no rx collecting water for daily use was an uphill task as she couldn't afford owning a water tap connection at hom... Read more
Vimala  a winner in a man's world Vimala a winner in a man's world Manufacturing and dealing with nuts and bolts is no more the fiefdom of men. That's what Vimala Ramdas from Perinjanam, check Thrissur, rx exemplifies. The 45 year old lady is sile... Read more
'Sevai' means life for Sujatha 'Sevai' means life for Sujatha Sujata Shewre owns an enterprise which specializes in producing Sevai (vermicelli). The sweetness of her smile is now sweeter than her product as her business is now known in the n... Read more
Her 'mirror' reflects her dreams...  Her 'mirror' reflects her dreams... Her 'mirror' reflects her dreams... Like any other teenager, Severina George, too found it difficult to come to terms with the untimely demise of her father. Hailing from Mulayam ... Read more
She loves the breakfast lovers... She loves the breakfast lovers... Premambikai, prostate owns an ‘instant mix’ rice flour producing unit in Pollachi-Tamil Nadu, tadalafil and is making it big among the micro-entrepreneurs. As a healthy breakfast... Read more
Umbrellas prove an umbrella to Sulochana's life… Umbrellas prove an umbrella to Sulochana's life… 19 years back Sulochana Ramakrishnan came to Laloor along with her husband Ramakrishnan and two children, hospital Nisha and Neethu. Ramakrishnan was a daily wage earner and Suloc... Read more
For Shalini ESAF water loans proved a blessing… For Shalini ESAF water loans proved a blessing… The story of Shalini Yashwant Wagde (aged 34) illustrates the positive impact, treat microfinance can make on improving the quality of life of slumdwellers. Shalini, viagra sale al... Read more
For Zeenath Sincerity is the Secret of Success For Zeenath Sincerity is the Secret of Success 40 year old Zeenath Sidhik’s life is an example of how perseverance pays off in one’s life. She proves that attitude is the key to success and believes that success doesn... Read more
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