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  • Overview
  • Key Ratios
  • Financials
  • Shareholding
  • Company Info
  • Peer Comparison
Overview
  • Overview
  • Key Ratios
  • Financials
  • Shareholding
  • Company Info
  • Peer Comparison

ESAF Small Finance Bank Ltd Banks - Private Sector

  • Indian Private
  • BSE Code : 71846.0
  • ISIN : INE818W01011
38.62 -1 (-2.65%)
  • As on 15 Aug 2026 (EOD)

  • Today’s Low

    37.76

  • Today’s High

    40.60

  • Open

    40.35

  • Perv Close

    39.67

  • 52W Low

    19.78

  • 52W High

    44.25

Key Indicators

  • P/E(TTM)

    0.00

  • Mar.Cap (₹Cr.)

    1,992.86

  • Div & Yield %

    0.00

  • Book Value(₹)

    34.63

  • Debt-Equity Ratio

    -2.65

  • AGM Date

    14-Aug-2026

  • EPS

    0.00

  • P/E Ratio

    0.00

Financials Ratios

  • Debt-Equity Ratio

    -

  • Mar.Cap (₹Cr.)

    1,992.86

  • RONW (%)

    -

  • ROCE (%)

    -

Score Board

  • Equity (₹ in Cr.)

    516.02

  • BV (₹)

    34.60

  • Sales( ₹ in Cr.)

    4,348.23

  • NP (in Cr.)

    -165.54

  • NP Var(%)

    68.0

  • Div%

    0.0

  • CPS (₹)

    -1.90

  • EPS (₹)

    -3.20

  • Traded Value (₹ in Lakhs)

    2,020.21

  • 52 Week High

    44.25

  • 52 Week Low

    19.78

  • Price BSE

    39.0

  • Price NSE

    39.00

  • Market Capital( in Cr.)

    2,020.21

  • P/C Ratio

    -20.10

  • P/E Ratio

    -12.20

  • Price Vs.BV

    -3.20

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Financials

All Values are in (₹Cr)
Particulars(INCOME) 2026 Mar 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar
INCOME :            
Interest Earned 3,537.18 3,857.53 3,818.53 2,853.60 1,939.93 1,641.17
Other Income 811.05 471.77 441.72 287.97 207.58 127.25
Total Income 4,348.23 4,329.30 4,260.25 3,141.57 2,147.51 1,768.42
EXPENDITURE :            
Interest Expended 1,837.44 1,810.68 1,448.73 1,017.32 792.79 719.58
Payments to and Provisions for Employees 692.02 664.48 362.97 278.00 232.14 187.78
Operating Expenses & Administrative Expenses 219.87 213.41 170.93 140.48 100.76 73.92
Depreciation 65.48 59.25 50.99 41.79 32.77 28.57
Other Expenses, Provisions & Contingencies 1,761.82 2,274.44 1,656.20 1,257.95 915.20 617.18
Provision for Tax -4.02 0.00 153.00 77.12 48.50 60.26
Provision Towards Deferred Tax -57.98 -171.58 -8.15 26.59 -29.38 -24.27
Total Expenditure 4,514.63 4,850.68 3,834.68 2,839.24 2,092.78 1,663.02
PROFIT & LOSS            
Net Profit / Loss for The Year -166.40 -521.39 425.57 302.33 54.73 105.40
Extraordinary Items -0.86 0.09 0.07 -0.25 0.00 -1.34
Adjusted Net Profit -165.54 -521.48 425.50 302.58 54.73 106.74
Profit brought forward 291.18 857.28 542.02 321.50 306.24 227.20
APPROPRIATION            
Transfer to Statutory Reserve 0.00 0.00 106.39 75.58 13.68 26.35
Transfer to Other Reserves 28.65 8.68 3.92 6.22 25.80 0.00
Trans. to Government /Proposed Dividend 0.00 36.03 0.00 0.00 0.00 0.00
Balance carried forward to Balance Sheet 96.13 291.18 857.28 542.02 321.50 306.24
Equity Dividend(%) 0.00 0.00 7.00 0.00 0.00 0.00
Dividend Per Share(Rs) 0.00 0.00 0.70 0.00 0.00 0.00
Earnings Per Share-Unit Curr -3.23 -10.12 8.27 6.73 1.22 2.34
Earnings Per Share(Adj)-Unit Curr -3.23 -10.12 8.27 - - -
Book Value-Unit Curr 34.65 37.81 48.41 38.16 31.41 30.08
Book Value(Adj)-Unit Curr 34.65 37.81 48.41 - - -

Shareholding Pattern

  • Promoter Group

    63.25%

  • Public Share Holding

    36.75%

Category of Shareholder No of Shares % Holdings Demat Shares Shareholders
A]. Promoter & Group
Foreign (Promoter & Group) - Bodies Corporate 0 0.00 0 0
Foreign (Promoter & Group)-Individuals (Non-Resident / Foreign) 0 0.00 0 0
Foreign Promoter(Institutional) 0 0.00 0 0
Promoter Others 0 0.00 0 0
Sub Total 0 0.00 0 0
[2] INDIAN
Bodies Corporate-Indian (Promoter & Group) 294,980,055 57.17 294,980,055 3
Government(Central / State)-Indian (Promoter & Group) 0 0.00 0 0
Directors & their Relatives-Indian (Promoter & Group) 0 0.00 0 0
Financial Institutions / Banks-Indian (Promoter & Group) 0 0.00 0 0
Individuals / Hindu Undivided Family-Indian (Promoter & Group) 31,356,784 6.08 31,356,784 8
Partnership Firms-Indian (Promoter & Group) 0 0.00 0 0
Persons Acting in Concert 0 0.00 0 0
Trusts 0 0.00 0 0
Others 0 0.00 0 0
Sub Total 326,336,839 63.25 326,336,839 11
Total ShareHolding for Promoter & Group
B]. Publice Share Holding
1] Institution
Government(Central / State) 0 0.00 0 0
Clearing Members 0 0.00 0 0
Corporate Bodies 0 0.00 0 0
Foreign Direct Investments 0 0.00 0 0
Financial Institutions / Banks 0 0.00 0 0
Foreign Bank 0 0.00 0 0
Foreign Bodies Corporate/OCBs/FBC 0 0.00 0 0
Foreign Collaborators 0 0.00 0 0
Foreign Institutional Investors 1,635,698 0.32 1,635,698 4
Foreign Venture Capital Investors 0 0.00 0 0
Foreign Institution Other 0 0.00 0 0
Insurance Companies 19,583,352 3.80 19,583,352 4
Mutual Funds / UTI 0 0.00 0 0
Individuals (Non-Resident / Foreign) 0 0.00 0 0
NSDL Intransit 0 0.00 0 0
Others 0 0.00 0 0
Trusts 0 0.00 0 0
Venture Capital Funds 0 0.00 0 0
Sub total 21,219,050 4.11 21,219,050 8
2] Non Institution
Bodies Corporate 21,462,257 4.16 21,462,257 147
Clearing Members 863,286 0.17 863,286 9
Directors of their Relatives 13,432,403 2.60 13,432,403 3
Employees 0 0.00 0 0
Escrow Account 0 0.00 0 0
Foreign Corporate Bodies 0 0.00 0 0
Foreign Direct Investments 0 0.00 0 0
NRIs/Foreign Individuals/Foreign Nationals 32,961,802 6.39 32,961,802 1,566
Foreign Non Institution Other 0 0.00 0 0
Hindu Undivided Families 3,499,699 0.68 3,499,699 1,611
Indian Public 0 0.00 0 0
Individuals holding nominal share capital in excess of Rs. 1 lakh 29,191,870 5.66 29,191,870 509
Individuals holding nominal share capital up to Rs. 1 lakh 63,216,196 12.25 63,216,196 103,741
Market Maker 0 0.00 0 0
NSDL Transit 0 0.00 0 0
Shares in transit 0 0.00 0 0
Societies 0 0.00 0 0
Trust & Foundation 1,000,000 0.19 1,000,000 1
Others 12,464 0.00 12,464 2
Sub Total 168,395,906 32.64 168,395,906 107,612
Total Public Shareholding
C]. Shares held by Custodians and against which Depository Receipts have been issued
ADR 0 0.00 0 0
GDR 0 0.00 0 0
Other Custodians 0 0.00 0 0
Total Shares held by Custodians and against which Depository Receipts have been issued 0 0.00 0 0
Grand Total ( A + B + C ) 515,951,795 100.00 515,951,795 107,631

Company Background

ESAF Small Finance Bank LtdBanks - Private Sector

  • ESAF Small Finance Bank Ltd
  • BSE Code : 71846.0
  • ISIN : INE818W01011

  • Incorporation Year

    2016

  • Registered Office

    Bldg. # VII/83/8 ESAF Bhavan
    Tri-Palakkad N.Hiway. Mannuthy, Trissur,
    Kerala-680651

  • Telephone

    +91 487 7123 907

  • FAX

  • Chairman

    M. Karthikeyan

  • Managing Director

    Kadambelil Paul Thomas

  • Company Secretary

    Ranjith Raj P.

  • Auditor

    Kirtane & Pandit LLP/Sundaram & Srinivasan

  • Face Value

    10

  • Listing

    NSE

  • Registrar

    MUFG Intime India Pvt Ltd
    C-101 247 Park,
    L B S Marg,Vikhroli West
    Mumbai - Mumbai-400083

ESAF Small Finance Bank Ltd Peer Comparison

Profit & Loss
Financial Ratios
Balance Sheet
Select Company Name LTP (₹) Revenue Sales P/E Ratio ROCE %
ESAF Small Fin 39.15 4,348.23 3,537.18 -391.50 0.00
ICICI Bank 1,418.00 200,703.68 169,946.09 19.50 0.00
SBI 1,068.00 556,240.68 482,797.17 12.02 0.00
HDFC Bank 727.35 370,054.63 307,522.07 14.83 0.00
Kotak Mah. Bank 393.00 67,187.26 55,563.98 26.32 0.00
Federal Bank 353.00 32,135.76 27,695.38 19.69 0.00
Karur Vysya Bank 331.65 13,158.67 11,074.35 11.68 0.00
Bank of Baroda 248.20 142,750.49 126,993.66 7.66 0.00
Canara Bank 131.15 153,204.21 126,366.17 6.17 0.00
IDBI Bank 82.40 35,743.53 28,997.26 9.21 0.00
UCO Bank 25.99 29,740.99 26,281.36 11.55 0.00