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UltraTech Cem.
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Aditya Infotech
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ICICI Bank
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Kanohar Elect.
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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

38.44 -1 (-1.33%)

As on 18 Sep 2026 (EOD)

Today’s Low
38.01
Today’s High
39.79

Open
38.47
Perv Close
38.96
52W Low
19.78
52W High
44.99

Key Indicators

P/E(TTM)

0.00
Mar.Cap (₹Cr.)

1,983.92
Div & Yield %

0.00
Book Value(₹)

34.62
Debt-Equity Ratio

-1.33
AGM Date

17-Sep-2026
EPS

0.00
P/E Ratio

0.00

Financials Ratios

Debt-Equity Ratio

-
Mar.Cap (₹Cr.)

1,983.92

RONW (%)

-
ROCE (%)

-

Score Board

Equity (₹ in Cr.)

516.11
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)

1,976.70

52 Week High

44.99
52 Week Low

19.78
Price BSE

38.0
Price NSE

38.00
Market Capital( in Cr.)

1,976.70
P/C Ratio

-19.60
P/E Ratio

-11.80
Price Vs.BV

-3.20

02-Sep-2026( 04:32)

Hot Pursuit - ESAF... - <p>ESAF Small Finance Bank Ltd...
18-Aug-2026( 06:57)

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31-Jul-2026( 02:39)

Results - Announcements - ESAF... - Net profit of ESAF Small Finan...
24-Jul-2026( 10:31)

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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

Company Name	LTP (₹)	Revenue	Sales	P/E Ratio
ESAF Small Fin	38.30	4,348.23	3,537.18	-383.00
ICICI Bank	1,345.00	200,703.68	169,946.09	18.50
SBI	984.50	556,240.68	482,797.17	11.08
HDFC Bank	713.00	370,054.63	307,522.07	14.55
Kotak Mah. Bank	417.00	67,187.26	55,563.98	27.93
Federal Bank	334.00	32,135.76	27,695.38	18.63
Karur Vysya Bank	331.40	13,158.67	11,074.35	11.67
Bank of Baroda	232.40	142,750.49	126,993.66	7.17
Canara Bank	123.90	153,204.21	126,366.17	5.83
IDBI Bank	81.93	35,743.53	28,997.26	9.15
UCO Bank	23.60	29,740.99	26,281.36	10.49

ITC

The Bombay Burmah

HDFC Bank

Glass Wall Syst.

Rentomojo

Multi Comm. Exc.

Bajaj Finance

Adani Total Gas

Lords Mark Industries

EIH

Aditya Birla Cap

Syrma SGS Tech.

Atul

UltraTech Cem.

Aditya Infotech

Karamtara Engg.

Bajaj Finserv

ICICI Bank

Polycab India

Kanohar Elect.

ESAF Small Finance Bank Ltd Banks - Private Sector

38.44 -1 (-1.33%)

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