ESAF Small Finance Bank Kerala Customer Service Number & Address : esafbank.com

Organisation : ESAF Small Finance Bank
Facility : Customer Service Number & Address
Head Quarters : Kerala
Industry : Bank
Service/Product : Financial Services
Website : https://www.esafbank.com/customer-service/

ESAF Small Finance Bank Customer Service Number

ESAF Bank is committed to extend the best possible services to its customers. Our customers can contact us for information on our products and services as well as in case of any grievance.

If you have any Service Request/Complaints, please contact our Call Centre
Call our 24 – hour Customer Care on 1800-103-3723 / 080-4552-0100 (NRI Line)
OR
Contact the Branch
OR
Email to customercare[AT]esafbank.com
SMS banking : 80860-77575

Related / Similar Customer Care : Utkarsh Small Finance Bank Customer Care Number & Address

Missed call banking :
To know your account balance or get your mini statement all you have to do is give us a missed call. It’s as simple as that.
85928-66639 which is (85928-MONEY) – For knowing A/C balance
85938-66639 which is (85938-MONEY) – For getting mini statement

ESAF Bank Corporate Office Address

ESAF Small Finance Bank,
ESAF Bhavan
Mannuthy P. O.,
Thrissur,
Kerala, India – 680651
TEL: 0487 7123456

Level IV:
If you are still not satisfied with the resolution even after 15 days you may contact the Principal Nodal Officer on the below address:
Mr. Abiesh Jose
Principal Nodal Officer
ESAF Small Finance Bank.
ESAF Bhavan, Mannuthy, Thrissur-680651
Email: principalnodalofficer[AT]esafbank.com
Phone No: 8589001933

Level V:
If you are still not satisfied with the resolution of your complaint you can approach Banking Ombudsman. The complainant can approach the Banking Ombudsman only if the complaint is not resolved within 30 days after contacting the bank.
Physical address of CRPC, Chandigarh as below:
Reserve Bank of India, 4th floor, Sector 17, Chandigarh, 160017

Know Your Customer Guidelines FAQ

What is KYC? Why is it required?
KYC means “Know Your Customer”. It is a process by which banks obtain information about the identity and address of the customers. This process helps to ensure that the bank’s services are not misused. The KYC procedure is to be completed by the bank while opening accounts. Banks are also required to periodically update their customer’s KYC details.

What are the KYC requirements for opening a bank account?
To open a bank account, one needs to submit a ‘proof of identity and proof of address’ together with a recent photograph.

What are the documents to be given as ‘proof of identity’ and ‘proof of address’?
The Government of India has notified six documents as ‘Officially Valid Documents’ (OVDs) for the purpose of producing proof of identity. These six documents are Passport, Driving Licence, Voters’ Identity Card, PAN Card, Aadhaar Card issued by UIDAI and NREGA Job Card. You need to submit any one of these documents as proof of identity.

If these documents also contain your address details, then it would also be accepted as ‘proof of address’. If the document submitted by you for proof of identity does not contain address details, then you will have to submit another officially valid document which contains address details.

If I do not have any of the documents listed above to show my ‘proof of identity’, can I still open a bank account?
Yes. You can still open a bank account known as ‘Small Account’ by submitting your recent photograph and putting your signature or thumb impression in the presence of the bank official.

Is there any difference between such ‘small accounts’ and other accounts
Yes. The ‘Small Accounts’ have certain limitations such as
** Balance in such accounts at any point of time should not exceed Rs.50,000
** Total credits in one year should not exceed Rs.1,00,000
** Total withdrawal and transfers in a month should not exceed Rs.10,000
** Foreign remittances cannot be credited to such accounts.

Such accounts remain operational initially for a period of twelve months and thereafter, for a further period of twelve months if the holder of such an account provides evidence to the bank of having applied for any of the officially valid documents within twelve months of the opening of such account.

If my name has been changed and I do not have any OVD in the new name, how can I open an account?
A copy of the marriage certificate issued by the State Government or Gazette notification indicating change in name together with a certified copy of the ‘Officially Valid Documents’ in the prior name of the person is to be furnished for opening of account in cases of persons who change their names on account of marriage or otherwise

Are banks required to categorise their customers based on risk assessment?
Yes, banks are required to classify their customers into ‘low’, ‘medium’ and ‘high’ risk categories depending on their AML risk assessment.

Do banks inform customers about this risk categorisation?
No

If I refuse to provide requested documents for KYC to my bank for opening an account, what may be the result?
If you do not provide the required documents for KYC, the bank will not be able to open your account.

Can I open a bank account with only an Aadhaar card?
Yes, Aadhaar card is accepted as a proof of both identity and address

Is it compulsory to furnish Aadhaar Card for opening an account?
No. you may furnish Aadhaar card or any of the other five OVDs for opening an account.

What is e-KYC? How does e-KYC work?
e-KYC refers to electronic KYC.
e-KYC is possible only for those who have Aadhaar numbers. While using e-KYC service, you have to authorise the Unique Identification Authority of India (UIDAI), by explicit consent, to release your identity/address through biometric authentication to the bank branches/business correspondent (BC).

The UIDAI then transfers your data comprising your name, age, gender, and photograph electronically to the bank. Information thus provided through e-KYC process is permitted to be treated as an ‘Officially Valid Document’ under PML Rules and is a valid process for KYC verification.

Is introduction necessary while opening a bank account?
No, introduction is not required.