ESAF believes in the triple bottom line approach towards its business. Apart from financial bottom line, which is imperative for the progress of the business, ESAF Small Finance Bank also focuses on social and environmental bottom lines. The Organization has set social targets for each of its branch network on indicators such as reaching the marginalised, reaching the poor, reaching the most vulnerable communities affected by natural disasters, geographic outreach to backward areas and access to water & sanitation and access to social security. Thanks to the vision of the FounderChairman K. Paul Thomas and the co-founder Mereena Paul who ably supported him in his endeavours. In case of environment, the Organization believes that pollution reduction measures should not be limited to industries but also should be applied to vehicle emissions and agricultural discharges.