ESAF JOY PLUS
ESAF Small Finance Bank Ltd Productivity
Enjoy secure, seamless access to your ESAF Small Finance Bank accounts, services
- Downloads
- 7+
- on Google Play
- Price
- Free
- No in-app purchases
- Updated
- Oct 20
- 2026 · v1.0.0
Screenshots
About ESAF JOY PLUS
ESAF JOY PLUS - Mobile Banking
Experience Smarter, Faster, and more Secure banking with ESAF JOY PLUS, a seamless and intelligent Mobile Banking experience from ESAF Small Finance Bank. Designed to simplify everyday banking, ESAF JOY PLUS enables you to manage your finances, make payments, and access banking services anytime, anywhere.
Key Features
Comprehensive Account Management
View balances and transaction history for Savings, Current, Loan, Cash Credit, Fixed Deposit (FD), and Recurring Deposit (RD) accounts.
Access detailed account information and monitor your finances in real time.
UPI Payments
Register and manage UPI within the app.
Send and receive money instantly using UPI.
Transfer funds using UPI ID, mobile number, or QR code.
Manage UPI accounts and transaction history securely.
Utility Bill Payments & Recharges
Make bill payments on a wide variety of categories conveniently.
Make quick mobile and DTH recharges.
Track bill payment history and manage recurring payments with ease.
Deposits & Investments
Open and manage Fixed Deposits and Recurring Deposits.
Request deposit pre-closure and receive proceeds directly into your linked account.
Instant Fund Transfers
Transfer funds securely between your own accounts.
Send money to beneficiaries within ESAF Bank and other banks.
Easily add, manage, or delete beneficiaries.
Payments & Banking Services
Set up and manage standing instructions.
Order cheque books, track requests, and stop cheque payments online.
Access a wide range of banking services without visiting a branch.
Debit Card Management
View and manage your debit cards.
Instantly block or hotlist cards whenever required.
Enhanced Security
Multi-factor authentication with OTP verification.
Secure device binding and SIM verification.
MPIN, Fingerprint, and Face ID login options for quick and secure access.
Personalized Banking Experience
User-friendly interface with multilingual support.
Simplified navigation and intuitive design.
Faster access to frequently used transactions and services.
The app features a user-friendly interface, advanced security measures, and streamlined navigation for a seamless banking experience.
Download ESAF JOY PLUS today and experience the joy of banking on the go.
Experience Smarter, Faster, and more Secure banking with ESAF JOY PLUS, a seamless and intelligent Mobile Banking experience from ESAF Small Finance Bank. Designed to simplify everyday banking, ESAF JOY PLUS enables you to manage your finances, make payments, and access banking services anytime, anywhere.
Key Features
Comprehensive Account Management
View balances and transaction history for Savings, Current, Loan, Cash Credit, Fixed Deposit (FD), and Recurring Deposit (RD) accounts.
Access detailed account information and monitor your finances in real time.
UPI Payments
Register and manage UPI within the app.
Send and receive money instantly using UPI.
Transfer funds using UPI ID, mobile number, or QR code.
Manage UPI accounts and transaction history securely.
Utility Bill Payments & Recharges
Make bill payments on a wide variety of categories conveniently.
Make quick mobile and DTH recharges.
Track bill payment history and manage recurring payments with ease.
Deposits & Investments
Open and manage Fixed Deposits and Recurring Deposits.
Request deposit pre-closure and receive proceeds directly into your linked account.
Instant Fund Transfers
Transfer funds securely between your own accounts.
Send money to beneficiaries within ESAF Bank and other banks.
Easily add, manage, or delete beneficiaries.
Payments & Banking Services
Set up and manage standing instructions.
Order cheque books, track requests, and stop cheque payments online.
Access a wide range of banking services without visiting a branch.
Debit Card Management
View and manage your debit cards.
Instantly block or hotlist cards whenever required.
Enhanced Security
Multi-factor authentication with OTP verification.
Secure device binding and SIM verification.
MPIN, Fingerprint, and Face ID login options for quick and secure access.
Personalized Banking Experience
User-friendly interface with multilingual support.
Simplified navigation and intuitive design.
Faster access to frequently used transactions and services.
The app features a user-friendly interface, advanced security measures, and streamlined navigation for a seamless banking experience.
Download ESAF JOY PLUS today and experience the joy of banking on the go.
What’s new
Version 1.0.0 · Updated October 20, 2026
New ESAF JOY PLUS Mobile Banking Application for ESAF Small Finance Bank, India. Implemented auto OTP fetch feature as per the NPCI library requirements.
User reviews
The new app interface looks neat and clean. but there is a bug. when we try to create an FD and scroll below there will be an interest rate, if we click on that app crash and get logged. please do look in tto it
super ആപ്പ്
A fresh new digital banking experience from ESAF Bank! Great to see the launch of ESAF JOY PLUS as an upgrade to the existing mobile banking app. Looking forward to exploring the new experience, enjoying improved convenience, and seeing more features and enhancements in future updates.
Better experience!!!
Very Good User friendly interface. Smooth Interface for Any-Age People Excellent Upgrade From the old Application. Great Milestone to New-Gen Banking.
very good 👍 fantastic app