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ESAF Small Finance Bank Ltd

ESAFSFB BSE Banks - Regional Financial Services

ESAF Small Finance Bank provides banking products and services to retail, rural, and corporate customers in India. It operates through Treasury, Wholesale Banking, Retail Banking, and Other Banking segments. The company…

ISIN INE818W01011
Listed β€”
Quarters tracked 13
Filings 9 docs

About

ESAF Small Finance Bank provides banking products and services to retail, rural, and corporate customers in India. It operates through Treasury, Wholesale Banking, Retail Banking, and Other Banking segments. The company offers savings, current, and NRI accounts; foreign currency non-resident deposit accounts; fixed, recurring, social, and term deposits; personal net, mobile, SMS, missed call, and USSD banking services; and debit and credit cards. It also provides working capital/term, farmer interest group, used and new car, two- and three-wheeler, light commercial vehicle, school, personal, agri gold, lease rental discounting, dream education, gold, dairy development, MSME, dream home, clean energy, business, micro housing, income generation, general, microfinance, QR, micro enterprise, and other loans; as well as ESAF FPO finance; trade receivables e-discounting system; salary overdrafts; and loans against property. In addition, the company offers micro-banking services; unified payment interface services; investment products, including national pension systems; third party financial product distribution, such as life, general, and health insurance, as well as 3-in-1 accounts; treasury services; foreign exchange services comprising purchase and sale of currencies, outward and inward remittances, money transfer service schemes, multicurrency forex card, and non-resident repatriation; and other banking services. The company was founded in 1992 and is based in Thrissur, India. ESAF Small Finance Bank is a subsidiary of ESAF Financial Holdings Private Limited.

Key Metrics

as of Sep 2026
Market Cap2,137 Cr
P/Eβ€”
Div Yield0.00 %
Book Valueβ‚Ή34.60
52w Highβ‚Ή45.00
52w Lowβ‚Ή19.70
Face Valueβ‚Ή10.00

Quarterly Results

Rs. Crores Β· hover row for definition
Metric Jun 2026 Mar 2026 Dec 2025 Sep 2025 Jun 2025 Mar 2025 Dec 2024 Sep 2024 Jun 2024 Mar 2024 Dec 2023 Sep 2023 Jun 2023
Expenses 725.00 692.00 693.00 672.00 682.00 820.00 881.00 834.00 619.00 682.00 567.00 487.00 505.00
Other Income 248.00 201.00 269.00 145.00 195.00 145.00 114.00 40.00 115.00 150.00 120.00 79.00 93.00
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest 514.00 477.00 462.00 448.00 450.00 458.00 463.00 456.00 434.00 411.00 377.00 347.00 313.00
Profit before tax 107.00 27.00 9.00 -155.00 -109.00 -241.00 -282.00 -255.00 85.00 59.00 150.00 188.00 174.00
Tax % 25.00 13.00 22.00 -25.00 -26.00 -24.00 -25.00 -25.00 26.00 26.00 25.00 26.00 25.00
Net Profit 80.00 24.00 7.00 -116.00 -81.00 -183.00 -211.00 -190.00 63.00 43.00 112.00 140.00 130.00
EPS in Rs 1.55 0.46 0.14 -2.25 -1.58 -3.55 -4.09 -3.69 1.22 0.84 2.18 3.12 2.89

Profit & Loss

Annual Β· Rs. Crores
Metric Mar 2026Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017
Expenses 2,674.003,152.002,190.001,676.001,248.00879.00646.00538.00357.0031.00
Other Income 811.00472.00442.00288.00208.00127.00133.00109.00102.0019.00
Interest 1,837.001,811.001,449.001,017.00793.00720.00621.00458.00315.0016.00
Depreciation 65.0059.0051.0042.0033.0029.0023.0017.000.000.00
Profit before tax -228.00-693.00570.00406.0074.00141.00256.00127.0027.001.00
Tax % -27.00-25.0025.0026.0026.0025.0026.0029.000.000.00
Net Profit -166.00-521.00426.00302.0055.00105.00190.0090.0027.001.00
EPS in Rs -3.23-10.128.276.731.222.344.452.110.870.03
Dividend Payout % 0.000.008.000.000.000.000.000.000.000.00

Balance Sheet

Annual Β· Rs. Crores β€” latest first
Metric Mar 2026Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017
Equity Capital 516.00515.00515.00449.00449.00449.00428.00428.00312.00302.00
Reserves 1,271.001,434.001,977.001,266.00962.00903.00656.00466.0031.004.00
Other Liabilities 479.00547.00505.00489.00528.00293.00154.00145.00183.00227.00
Total Liabilities 30,868.0027,178.0026,087.0020,224.0017,708.0012,339.009,470.007,058.004,724.002,994.00
Fixed Assets 226.00237.00205.00188.00159.00133.00116.0086.0069.0033.00
CWIP 290.0063.003.000.000.006.004.004.000.000.00
Investments 6,399.005,995.005,541.004,889.004,070.001,932.001,734.001,531.00732.00579.00
Other Assets 23,953.0020,883.0020,338.0015,147.0013,478.0010,268.007,616.005,438.003,924.002,382.00
Total Assets 30,868.0027,178.0026,087.0020,224.0017,708.0012,339.009,470.007,058.004,724.002,994.00

Cash Flows

Annual Β· Rs. Crores β€” latest first
Metric Mar 2026Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019
Cash from Operating Activity -1,960.003,176.001,001.00-571.00-584.001,127.001,089.00-239.00
Cash from Investing Activity -192.00-769.00-583.00-573.00-982.00-638.00-635.00-171.00
Cash from Financing Activity 1,347.00-1,852.00235.00399.001,259.00653.00-499.00488.00
Net Cash Flow -805.00556.00654.00-745.00-308.001,143.00-45.0078.00
Free Cash Flow -2,242.003,024.00930.00-641.00-638.001,078.001,036.00-277.00
CFO/OP % -226.00451.0071.00-43.00-82.00162.00152.00-40.00

Ratios

Annual Β· Days / % β€” latest first
Metric Mar 2026Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017

Shareholding Pattern

% holding β€” latest first
Holder Jun 2026 Mar 2026 Dec 2025 Sep 2025 Jun 2025 Mar 2025 Dec 2024 Sep 2024 Jun 2024 Mar 2024 Dec 2023
Promoters 63.25 63.28 63.29 63.30 63.31 63.31 63.36 63.38 63.39 63.39 63.39
FIIs 0.31 0.01 0.01 0.16 0.16 0.27 0.16 0.15 0.12 0.81 1.16
DIIs 3.80 4.63 4.97 5.00 5.00 5.00 5.02 5.56 8.90 10.26 10.98
Public 32.63 32.08 31.74 31.53 31.51 31.41 31.45 30.92 27.57 25.53 24.48
No. of Shareholders 107,631 109,246 111,691 113,955 116,490 116,912 118,512 115,818 107,413 102,124 94,713

Corporate Actions

2 records
ActionEx DateRecord DateRatioAmount (β‚Ή)Notes
Dividend 07 Aug 2024 07 Aug 2024 β€” 0.70
Other 07 Aug 2024 β€” β€” β€” Annual General Meeting

Announcements

5 filings