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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

29.31 0 (-0.10%)

As on 03 Sep 2025 (EOD)

Today’s Low
29.16
Today’s High
29.57

Open
29.34
Perv Close
29.34
52W Low
24.31
52W High
51.16

Key Indicators

P/E(TTM)

0.00
Mar.Cap (₹Cr.)

1,512.51
Div & Yield %

0.00
Book Value(₹)

37.81
Debt-Equity Ratio

-0.10
AGM Date

03-Sep-2025
EPS

0.00
P/E Ratio

0.00

Financials Ratios

Debt-Equity Ratio

-
Mar.Cap (₹Cr.)

1,512.51

RONW (%)

-
ROCE (%)

-

Score Board

Equity (₹ in Cr.)

515.51
BV (₹)

37.80
Sales( ₹ in Cr.)

4,329.31
NP (in Cr.)

-521.48
NP Var(%)

-223.0
Div%

0.0
CPS (₹)

-9.00
EPS (₹)

-10.10
Traded Value (₹ in Lakhs)

1,515.60

52 Week High

51.16
52 Week Low

24.31
Price BSE

29.0
Price NSE

29.00
Market Capital( in Cr.)

1,515.60
P/C Ratio

-3.20
P/E Ratio

-2.90
Price Vs.BV

-10.10

26-Aug-2025( 11:20)

Corporate News - ESAF... - ESAF Small Finance Bank annou...
08-Aug-2025( 03:00)

Results - Announcements - ESAF... - Net loss of ESAF Small Finance...
02-Aug-2025( 10:05)

Corporate News - ESAF... - ESAF Small Finance Bank will...
07-Jul-2025( 10:58)

Hot Pursuit - ESAF... - CASA climbed 14.23% to Rs 5,62...

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Financials

All Values are in (₹Cr)

Particulars(INCOME)	2025 Mar	2024 Mar	2023 Mar	2022 Mar	2021 Mar	2020 Mar
INCOME :
Interest Earned	3,862.22	3,818.53	2,853.60	1,939.93	1,641.17	1,413.25
Other Income	467.09	441.72	287.97	207.58	127.25	133.19
Total Income	4,329.31	4,260.25	3,141.57	2,147.51	1,768.42	1,546.44
EXPENDITURE :
Interest Expended	1,810.69	1,448.73	1,017.32	792.79	719.58	621.06
Payments to and Provisions for Employees	660.08	362.97	278.00	232.14	187.78	144.07
Operating Expenses & Administrative Expenses	213.49	170.93	140.48	100.76	73.92	59.93
Depreciation	59.25	50.99	41.79	32.77	28.57	23.17
Other Expenses, Provisions & Contingencies	2,278.77	1,656.20	1,257.95	915.20	617.18	441.96
Provision for Tax	0.00	153.00	77.12	48.50	60.26	71.35
Provision Towards Deferred Tax	-171.58	-8.15	26.59	-29.38	-24.27	-5.48
Total Expenditure	4,850.69	3,834.68	2,839.24	2,092.78	1,663.02	1,356.06
PROFIT & LOSS
Net Profit / Loss for The Year	-521.39	425.57	302.33	54.73	105.40	190.39
Extraordinary Items	0.09	0.07	-0.25	0.00	-1.34	0.03
Adjusted Net Profit	-521.48	425.50	302.58	54.73	106.74	190.36
Profit brought forward	857.28	542.02	321.50	306.24	227.20	88.00
APPROPRIATION
Transfer to Statutory Reserve	0.00	106.39	75.58	13.68	26.35	47.60
Transfer to Other Reserves	8.68	3.92	6.22	25.80	0.00	3.59
Trans. to Government /Proposed Dividend	36.03	0.00	0.00	0.00	0.00	0.00
Balance carried forward to Balance Sheet	291.18	857.28	542.02	321.50	306.24	227.20
Equity Dividend(%)	0.00	7.00	0.00	0.00	0.00	0.00
Dividend Per Share(Rs)	0.00	0.70	0.00	0.00	0.00	0.00
Earnings Per Share-Unit Curr	-10.12	8.27	6.73	1.22	2.34	4.45
Earnings Per Share(Adj)-Unit Curr	-10.12	8.27	-	-	-	-
Book Value-Unit Curr	37.81	48.41	38.16	31.41	30.08	25.34
Book Value(Adj)-Unit Curr	37.81	48.41	-	-	-	-

Shareholding Pattern

Promoter Group

63.31%
Public Share Holding

36.69%

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	57.23	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	63.31	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	864,574	0.17	864,574	3
Foreign Venture Capital Investors	0	0.00	0	0
Foreign Institution Other	0	0.00	0	0
Insurance Companies	25,770,180	5.00	25,770,180	4
Mutual Funds / UTI	375	0.00	375	1
Individuals (Non-Resident / Foreign)	0	0.00	0	0
NSDL Intransit	0	0.00	0	0
Others	25,000	0.00	25,000	1
Trusts	0	0.00	0	0
Venture Capital Funds	0	0.00	0	0
Sub total	26,660,129	5.17	26,660,129	9
2] Non Institution
Bodies Corporate	21,305,405	4.13	21,305,405	173
Clearing Members	5,896	0.00	5,896	2
Directors of their Relatives	0	0.00	0	0
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	44,712,893	8.67	44,712,893	1,527
Foreign Non Institution Other	0	0.00	0	0
Hindu Undivided Families	2,729,989	0.53	2,729,989	1,745
Indian Public	0	0.00	0	0
Individuals holding nominal share capital in excess of Rs. 1 lakh	20,479,628	3.97	20,479,628	379
Individuals holding nominal share capital up to Rs. 1 lakh	65,332,218	12.68	65,332,218	112,612
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	142,777	0.03	142,777	10
Sub Total	162,430,484	31.51	162,430,484	116,470
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 )	515,427,452	100.00	515,427,452	116,490

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

Ravimohan Periyakavil Ramakrishnan
Managing Director

K P Thomas
Company Secretary
Auditor

Abarna & Ananthan/Kirtane & Pandit LLP
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

Company Name	LTP (₹)	Revenue	Sales	P/E Ratio
ESAF Small Fin	29.40	4,329.31	3,862.22	-2.28
Kotak Mah. Bank	1,942.50	67,880.86	52,919.73	28.65
ICICI Bank	1,394.45	191,770.48	163,263.78	20.35
HDFC Bank	944.40	346,149.32	300,517.04	20.92
SBI	803.95	524,172.41	462,489.35	10.16
Bank of Baroda	236.60	138,088.97	121,441.64	6.22
Karur Vysya Bank	210.05	11,507.59	9,678.04	10.12
Federal Bank	193.55	30,166.50	26,365.25	12.19
Canara Bank	106.15	142,207.87	119,755.07	5.39
IDBI Bank	89.19	33,826.02	28,902.03	12.29
UCO Bank	28.85	29,473.55	25,066.91	14.50

Ola Electric

N S D L

Aditya Vision

Vimta Labs

One Mobikwik

Tata Steel

Netweb Technol.

Apollo Micro Sys

Aurobindo Pharma

Jai Corp

Moschip Tech.

Godfrey Phillips

Yes Bank

M & M

NTPC

TBO Tek

AU Small Finance

Larsen & Toubro

TCS

Bharat Electron

ESAF Small Finance Bank Ltd Banks - Private Sector

29.31 0 (-0.10%)

Key Indicators

Financials Ratios

Score Board

Navigate The Market With Confidence

Financials

Shareholding Pattern

Company Background

ESAF Small Finance Bank LtdBanks - Private Sector

ESAF Small Finance Bank Ltd Peer Comparison