loandisAbout ESAF Microfinance...


Today, ESAF Microfinance is one of the premier microfinance institutions in India, particularly in Kerala, effectively empowering 7 lac members through 160 dedicated branches. ESAF started its Micro Enterprises Development (MED) program in 1995, which was an important intervention area. MED provided a broad package of financial and business development services to the socially and economically challenged men and women. In order to have a cost effective delivery of the services of microfinance operations through an RBI licensed NBFC, ESAF acquired Pinnai Finance and Investments in 2006 and transformed it as ESAF Microfinance and Investments (P) Ltd., in 2008.

The vison of the Organization was guided by the principle of sustainable holistic transformation of the poor and the marginalized. The founder of ESAF ventured into microfinancing in 1995, by organizing self sustainable groups, to alleviate poverty and generate employment. Since then, ESAF has grown by leaps and bounds in the Microfinance sector, promoting microfinance as a viable, sustainable and effective means for creating jobs and reducing poverty. 


ailment geneva, seek sans-serif;">THE VISION

pills geneva, sans-serif; font-size: 11px;">A society, with equal opportunities, having complete access to sustainable financial services, which help in promoting livelihood opportunities and economic development.


ESAF Society, a Non Governmental Organization, was launched in 1992 with an aim to serve the deprived suffering from the travails of unemployment and poverty. In 1995, the Micro Enterprise Development initiative of ESAF was launched, which resulted in the formation of ESAF Microfinance and Investments Pvt. Ltd., a regulated Non Banking Finance Company (NBFC-MFI), in 2008. The Company now reaches out to more than 700 thousand poor households across six states in India covering the states of Kerala, Tamil Nadu, Maharashtra, Madhya Pradesh, Chhattisgarh and Jharkhand.


Micro credit services

Empower the income capacity of the poor women through income generation activities. More than 85% of our loan portfolio is dominated by Income Generation Loans given to women borrowers.

Income Generation Loan (50 to 100 Weeks)
General Loan (50 Weeks)
Housing Loan (4 to 7 Years)
Vyapar Vikas Yojana Loan (4 Months)
Jeevadhara & Nirmal Loan - Water & Sanitation (2 Years)

Livelihood Support Services

Establish / improve / expand the livelihood activities of the clients. Handholding support is given during all stages from registering business to providing market linkages.

Social Security Services

Insurance: Through tie-ups with United India Insurance, Star Union Daichi, SBI Life and New India Assurance Company our clients are insured against life, accident and health.
Pension: In alliance with the Govt. of India Pension Fund Regulatory and Development Authority, we provide National Pension System (NPS) services to the clients.
MGPSY: In alliance with the Ministry of Overseas Indian Affairs, we provide Mahatma Gandhi Pravasi Suraksha Yojana scheme to overseas Indian workers.

Micro Energy - Sustainable Environment Programs

In association with Micro Energy Credits-USA, we offer 'Clean Energy Products' to our clients with the aim of lowering carbon emission and reducing the fuel and energy cost.
JeevanShudh: We provide water purifiers through affordable payment options.
Surya Jyoti: For reducing the cost and consumption of electricity, we provide solar lamps to our clients through easy payment options.

Remittance Services

Money Transfer: In alliance with Western Union Money Transfer and Xpress Money, we offer inward money transfer services to our clients.

Managing Social Performance 

The Organization is committed to bring about measurable social transformation among its client base through the provision of microfinance and other allied services. For this purpose, a dedicated Social Performance Management department is functioning within the Organization.


buy viagra for women uk