ESAF Microfinance and Investments Pvt. Ltd., now part of ESAF Small Finance Bank, is a microfinance institution based in Kerala, India. It provides financial services, primarily microfinance loans, to underbanked segments, focusing on women through the Joint Liability Group model[3][5]. Services include income generation loans, business loans, and green lending for solar panels and cookstoves[1][3]. The target audience is low-income individuals and small businesses. The unique selling proposition is its focus on social inclusion and green financial products, enhancing economic prosperity for marginalized communities[1][3].