India's #1 doorstep home loan service
ESAF Small Finance Bank offers home loans starting at 7.77% p.a. with amounts up to Rs 1 crore. Get quick 10-day loan sanctions, flexible 25-year repayment terms, and attractive balance transfer options. Choose from Dream Home Loans or Micro Housing Loans based on your needs.
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Last Updated: Oct 17, 2026
Education — BTech (IIT Guwahati), IIM Bangalore
With 7 years of hands-on experience structuring home loans across both public and private lending institutions, Suraj Mudaliar brings sharp, practical expertise to every borrower's journey. He specializes in loan eligibility assessment, balance transfers, and EMI optimization — helping customers not just get a loan, but get the right loan for their financial situation.
ESAF Small Finance Bank offers home loans with competitive interest rates that start from 7.77% p.a. You can borrow up to Rs 1 crore to buy your dream home or build a new one.
The bank makes your home-buying experience quick and simple. Your home loan gets sanctioned within 10 days after you submit the documents. Borrowers can choose flexible repayment options with loan tenures of up to 25 years. The bank also provides attractive balance transfer options if you want to switch from other lenders.
This piece explains everything about ESAF Small Finance Bank’s home loans. You’ll find details about interest rates, eligibility criteria, and required documents to help you make a smart decision about your home loan.
ESAF Small Finance Bank provides two home loan options – Dream Home Loan and Micro Housing Loan. Each loan type has its own interest rates and charges.
| Rate of Interest | Max funding | ||
| Credit Score | ROI | Loan Amount | Funding % |
| ≥ 800 | 7.77% – 10.00% |
≤ ₹30 Lakh
|
90%
|
| 750 – 799 | 8.50% – 11.00% | ||
| 700 – 749 | 9.00% – 13.20% | ₹30 Lakh – ₹75 Lakh | 80% |
| < 650 | 10.56% – 17.50%+ |
> ₹75 Lakh
|
75%
|
| NTC / -1 | 7.77% – 17.50%+ | ||
| Apply Now | |||
Dream Home Loan’s processing fee is 1% of the loan amount plus GST, and Micro Housing Loan charges 2% plus GST. The bank also requires a login fee of Rs. 3,000 plus GST and documentation charges of Rs. 10,000 plus GST.
Dream Home Loans doesn’t have any foreclosure charges. Micro Housing Loans, on the other hand, have a structured foreclosure fee system:
The bank charges Rs. 500 plus GST for NACH/cheque returns and applies a 30% per annum overdue interest rate. Legal fees, technical evaluation charges, and stamp duty vary based on state regulations and are charged at actuals.
Want to get the best home loan rates? Let’s compare ESAF Small Finance Bank’s home loan interest rates with those of other major banks and housing finance companies.
This detailed comparison shows interest rates for different loan amounts:
| Loan Amount | Top Banks | Interest Rates |
| Up to Rs. 30 Lakh | Bajaj Housing Finance | 8.50% p.a. onwards |
| SBI | 8.50%-9.85% p.a. | |
| HDFC Bank | 8.75% p.a. onwards | |
| Above Rs. 30-75 Lakh | LIC Housing Finance | 8.50%-10.55% p.a. |
| ICICI Bank | 8.75% p.a. onwards | |
| Above Rs. 75 Lakh | Kotak Mahindra | 8.75% p.a. onwards |
| PNB Housing Finance | 8.50%-11.45% p.a. |
Banks typically offer better rates than Housing Finance Companies because their rates are linked to the RBI’s MCLR. The banks’ rates also adjust faster to market changes than HFCs since they connect directly to borrowing costs.
ESAF Small Finance Bank provides two home loan options – a Dream Home Loan and a Micro Housing Loan. Each loan type has its own interest rates and charges.
| Loan Type | Interest Rate (p.a.) |
| Dream Home Loan | 7.77% – 13.20% |
| Micro Housing Loan | 10.56% – 17.50% |
Dream Home Loan’s processing fee is 1% of the loan amount plus GST, and Micro Housing Loan charges 2% plus GST. The bank also requires a login fee of Rs. 3,000 plus GST and documentation charges of Rs. 10,000 plus GST.
Dream Home Loans doesn’t have any foreclosure charges. Micro Housing Loans, on the other hand, have a structured foreclosure fee system:
The bank charges Rs. 500 plus GST for NACH/cheque returns and applies a 30% per annum overdue interest rate. Legal fees, technical evaluation charges, and stamp duty vary based on state regulations and are charged at actuals.
Want to get the best home loan rates? Let’s compare ESAF Small Finance Bank’s home loan interest rates with those of other major banks and housing finance companies.
This detailed comparison shows interest rates for different loan amounts:
| Loan Amount | Top Banks | Interest Rates |
| Up to Rs. 30 Lakh | Bajaj Housing Finance | 8.50% p.a. onwards |
| SBI | 8.50%-9.85% p.a. | |
| HDFC Bank | 8.75% p.a. onwards | |
| Above Rs. 30-75 Lakh | LIC Housing Finance | 8.50%-10.55% p.a. |
| ICICI Bank | 8.75% p.a. onwards | |
| Above Rs. 75 Lakh | Kotak Mahindra | 8.75% p.a. onwards |
| PNB Housing Finance | 8.50%-11.45% p.a. |
Banks typically offer better rates than Housing Finance Companies because their rates are linked to the RBI’s MCLR. The banks’ rates also adjust faster to market changes than HFCs since they connect directly to borrowing costs.
Your ESAF Small Finance Bank home loan approval depends on meeting eligibility requirements and submitting the proper documents. The bank follows specific guidelines to make your loan approval process smooth.
ESAF home loan applicants must be 18-65 when the loan is sanctioned. Your loan should close before you turn 70. You need at least 3 years of residency in the area. The bank requires a co-applicant for all home loan applications.
Different home loans require different documents. Here’s what you’ll need to submit:
Dream Home Loan Documents:
Micro Housing Loan Documents:
The bank takes 15 days to process your application after receiving all documents. ESAF Small Finance Bank might ask for more documents based on your profile. Microhousing loans and standard documents need additional NOC/approval from government authorities.
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