Campaign Criteria

All NR customers (existing and new) of ESAF Small Finance bank who do fresh remittance of minimum Rs. 2 Lakhs or above and retain in NRE / NRO SB during the remitting month and in the next 2 consecutive months, OR book a fresh NRE FD with fresh remittance of Rs.5 lakhs or above will be eligible for an assured bag – which will be a ESAF Small Finance bank branded bag.

Conditions for Eligibility:

•  Eligibility is determined based on a single remittance or cumulative remittances aggregating to Rs. 2 lakhs or above and retain in NRE / NRO SB for the next 2 consecutive months, OR book NRE FD with fresh remittance of Rs.5 lakhs or above as a single FD or multiple FDs.
• Inward remittances from abroad / transfer from other banks will be considered as eligible credits. Transfers within ESAF Bank accounts will not be considered as eligible credit.
• There should be a minimum incremental growth in NRE or NRO Savings account for Rs 2 lakhs or above from the existing balance OR book NRE FD of Rs.5 lakhs or above with fresh remittance. The FDs can be booked as single FD or multiple FDs with aggregate value of Rs 5lakhs or above.   
• Single or multiple tranches of remittance during the same month will be considered for aggregating the balances (for the 2 lakh & above eligibility criteria) in NRE/NRO savings account.
• The funds so remitted has to be retained in the NRE/NRO SB account during the remitting month and next 2 consecutive months, to be eligible for the bag.
• Even if the customer has remitted multiple times, he/she will be eligible for a single bag only.
• Even if customer qualifies across multiple NR accounts, they will receive only one bag. Reward is given on a per customer basis & not per account.

Terms & Conditions    

• This Offer is valid from 15th January 2026 to 31st March 2026.
• All NR customers (existing and new) of ESAF Small Finance bank who do fresh remittance of minimum Rs. 2 Lakhs or above and retain in NRE / NRO SB during the remitting month and in the next 2 consecutive months, OR book NRE FD with fresh remittance of Rs.5 lakhs or above will be eligible for an assured bag – which will be a ESAF Small Finance bank branded bag.
• Fresh funds would mean Inward remittances from abroad / fund transfers from other banks.
• Single or multiple tranches of remittance during the same month will be considered for aggregating the balances (for the 2 lakh & above eligibility criteria) in NRE/NRO savings account OR book NRE FD with fresh funds of Rs.5 lakhs or above as a single FD account or as multiple FD accounts.
• ESAF Small Finance Bank reserves the right to extend, withdraw, discontinue or terminate this offer at any time without prior notice.
• Eligible customers will be contacted by respective branches and the ESAF branded bag shall be dispatched to the customers from April 20th 2026 onwards.
• ESAF Small Finance Bank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all or any of the terms and conditions of the offer, or to replace, wholly or in part, this offer by another offer, whether similar to this offer or not.
• ESAF Small Finance Bank reserves the right to disqualify any customer from the benefits under the offer if any fraudulent activity is identified as being carried out for the purpose of availing the offer.
• By participating in this offer, every customer expressly agrees that ESAF Small Finance Bank or any of its affiliates will not (under any circumstances) be liable or responsible for any loss or damage whatsoever that a customer may suffer, directly or indirectly, in connection with this offer.
• Nothing contained herein amounts to a commitment by ESAF Small Finance Bank to conduct further, similar or other offers.
• The customers are not bound in any manner to participate in the offer. Any such participation is voluntary and the same is being made purely on a "best effort basis".
• ESAF Small Finance Bank makes no warranty or representation of any kind in relation to the network or its connectivity or service/performance by the service provider and Bank shall not be liable for any loss or damage whatsoever suffered or incurred by the customer resulting from or in connection with the same.

• ESAF Small Finance Bank shall not be liable if the offer cannot be availed by the customer due to network connectivity and/or due to any other issues related to the service provider
• The offer is non-transferable. The product being offered is manufactured by third party and ESAF bank does not have a control on the quality of the product.
• In all disputes and other matters relating to the offer, the decision of ESAF Small Finance Bank shall be final, conclusive and binding on the customers in all respects. For further queries / clarifications, please write to nrihelpdesk@esafbank.com