ESAFSFB · NSE
ESAF Small Finance Bank Limited
₹39.85
-1.04% (-₹0.42)
Prev. close
₹40.27
Volume
20,56,717
Delivery %
40.8%
As of
10 Aug 2026
Price history
No analyst calls on this stock in the last 90 days yet.
Explore by date range →Analyst opinions
Fundamentals
About ESAF Small Finance Bank Limited
ESAF Small Finance Bank provides banking products and services to rural and semi-urban markets in India. The company operates through four segments: Treasury, Wholesale Banking, Retail Banking, and Other Banking Operations. It offers savings and current accounts; fixed, recurring, green, and FCNR deposits; debit and credit cards; and home, gold, vehicle, MSME, Agri, clean energy, QR, and micro finance and micro loans, as well as loan against property, and financial institution lending. The company also provides payment products, such as Bharat bill payment system and BHIM unified payment interface; and investment products, including life insurance, health insurance, general insurance, demat, mutual funds, National Pension System, Atal Pension Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana, and Pradhan Mantri Suraksha Bima Yojana. In addition, it offers digital products comprising internet banking, mobile banking, and WhatsApp banking; Forex and remittance consisting of inward and outward remittance, MTSS, foreign currency sale and purchase, and Forex cards; and safe deposit lockers. The company was founded in 1992 and is based in Thrissur, India. ESAF Small Finance Bank operates as a subsidiary of ESAF Financial Holdings Private Limited.
Details
Sector
Financial Services
Industry
Banks - Regional
CEO
Dr. Kadambelil Paul Thomas
Headquarters
Thrissur
Employees
8,797
Website
esaf.bank.inExchange
View on NSE ↗Key stats
Market cap
₹2,022.27 Cr
EPS (TTM)
₹-0.10
Beta (1Y · daily vs NIFTY 50)
0.88
Shares float
15.31 Cr
EPS · quarter ended Jun 2026
₹1.55
Financial Performance
01 · Financials
FY21 growth needs FY20 filings, which the data source doesn't provide.
02 · Earnings Per Share (EPS)
03 · Dividend Profile
Growth compares completed fiscal-year dividend totals on the company's own calendar: April–March (Indian FY), taken from its reported period-ends. Payout ledger: NSE corporate actions.
04 · Operating Efficiency (Growth Rates)
Balance-sheet-based
05 · Capital Structure & Asset Utilization
Asset turnover needs a prior year of assets — omitted for the earliest available year.
06 · Asset Base Composition
07 · Debt Level & Coverage
08 · Profit & Loss
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| — | — | ₹2,055.39 Cr | ₹2,811.43 Cr | ₹2,518.52 Cr | ₹2,511.65 Cr | |
| ₹105.00 Cr | ₹55.00 Cr | ₹302.33 Cr | ₹425.57 Cr | ₹-521.39 Cr | ₹-166.40 Cr | |
| Diluted EPS | — | — | ₹5.87 | ₹8.94 | ₹-10.12 | ₹-3.22 |
Revenue, Employee benefit expense, Depreciation & amortisation, Tax provision, Interest expense, Other income, Diluted EPS have filed figures for only some of the years shown — the missing years are left blank rather than estimated.
09 · Balance Sheet
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹12,339.00 Cr | ₹17,708.00 Cr | ₹20,224.00 Cr | ₹26,087.00 Cr | ₹27,178.00 Cr | ₹30,868.00 Cr | |
| Total debt | — | — | ₹2,680.20 Cr | ₹2,572.53 Cr | ₹1,405.73 Cr | ₹2,252.74 Cr |
| Stockholders' equity | — | ₹1,406.80 Cr | ₹1,715.00 Cr | ₹2,491.79 Cr | ₹1,949.05 Cr | ₹1,786.54 Cr |
Cash & equivalents, Total debt, Stockholders' equity have filed figures for only some of the years shown — the missing years are left blank rather than estimated.
Annual only — the data source doesn’t publish quarterly balance-sheet detail for most NSE-listed companies.
10 · Cash Flow Statement
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹1,127.00 Cr | ₹-584.00 Cr | ₹-571.00 Cr | ₹1,001.00 Cr | ₹3,176.00 Cr | ₹-1,960.00 Cr | |
| Investing cash flow | — | — | ₹-573.22 Cr | ₹-582.53 Cr | ₹-768.83 Cr | ₹-191.67 Cr |
| ₹653.00 Cr | ₹1,259.00 Cr | ₹399.00 Cr | ₹235.00 Cr | ₹-1,852.00 Cr | ₹1,347.00 Cr | |
| Capital expenditure | ₹-50.00 Cr | ₹-54.00 Cr | ₹-72.00 Cr | ₹-71.00 Cr | ₹-153.00 Cr | ₹-283.00 Cr |
| End cash position | — | — | ₹766.42 Cr | ₹1,419.91 Cr | ₹1,975.79 Cr | ₹1,171.20 Cr |
Depreciation & amortization, Change in working capital, Investing cash flow, Dividends paid, End cash position have filed figures for only some of the years shown — the missing years are left blank rather than estimated.
Annual only — the data source has no quarterly cash-flow-statement coverage.
11 · Shareholding Pattern
NSE, quarterly
| Line item | Nov 23–Jun 24(4Q) | Sep 24 | Dec 24 | Mar 25–Jun 25(2Q) | Sep 25–Dec 25(2Q) | Mar 26 | Jun 26 |
|---|---|---|---|---|---|---|---|
| Promoter | 63.39% | 63.38% | 63.36% | 63.31% | 63.30% | 63.28% | 63.25% |
| Public | 36.61% | 36.62% | 36.64% | 36.69% | 36.70% | 36.72% | 36.75% |
| Employee trusts | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Source: NSE quarterly shareholding-pattern filings, collapsed to periods where the reported percentages held steady — a column spanning several quarters means no change was filed across them. No FII/DII sub-split available from this source — Public includes all non-promoter, non-employee-trust holders.
12 · Peer Comparison
Financial Services
| Company | ||||||||
|---|---|---|---|---|---|---|---|---|
| HDFC Bank Limited | ₹11.27 L Cr | ₹731 | 16.2 | 1.38 | 8.6% | 0.81 | +4.7% | -25.2% |
| ICICI Bank Limited | ₹9.75 L Cr | ₹1,347.6 | 17.6 | 2.69 | 14.9% | 0.57 | +9.1% | -5.0% |
| State Bank of India | ₹9.16 L Cr | ₹996.2 | 10.6 | 1.54 | 14.0% | 1.22 | +9.2% | +16.6% |
| Bajaj Finance Limited | ₹6.31 L Cr | ₹1,040.3 | 31.1 | 5.54 | 16.7% | 3.10 | +19.7% | +4.4% |
| Life Insurance Corporation Of India | ₹5.06 L Cr | ₹407.7 | 8.4 | 2.87 | 32.5% | — | +8.7% | -54.2% |
| Kotak Mahindra Bank Limited | ₹4.08 L Cr | ₹415 | 20.5 | 2.25 | 10.6% | 0.53 | -0.3% | -79.5% |
| Axis Bank Limited | ₹3.86 L Cr | ₹1,240 | 14.0 | 1.80 | 12.3% | 1.30 | +4.0% | +10.1% |
| Bajaj Finserv Limited | ₹2.98 L Cr | ₹1,852.5 | 29.4 | 3.82 | 12.6% | 4.64 | +13.6% | -10.5% |
| Shriram Finance Limited | ₹2.34 L Cr | ₹1,010 | 17.6 | 3.55 | 15.2% | 2.76 | +13.9% | +61.1% |
| SBI Life Insurance Company Limited | ₹1.77 L Cr | ₹1,731 | 68.0 | 9.29 | 12.9% | — | -4.3% | -5.0% |
| ICICI Prudential Asset Management Company Limited | ₹1.53 L Cr | ₹3,098 | 43.8 | 36.57 | 79.1% | — | +23.1% | — |
| ESAF Small Finance Bank Limited | ₹1,992.86 Cr | ₹39.85 | — | 1.12 | -9.3% | 1.26 | -0.3% | +32.8% |
Ranked by market cap within Financial Services, same metrics as the Fundamentals screener. Click a column to sort.
Documents
IPO documents
Annual reports
Concall transcripts
Show all 12
Official documents linked from their sources — offer documents as filed with SEBI (sebi.gov.in), annual reports and earnings-call transcripts as published on BSE (bseindia.com) and NSE (nseindia.com). Links open the source's own hosting; nothing is re-hosted here.
Index membership
2 indices
Weight is BSE’s own published index weight. Indices without weight data are listed without one, in alphabetical order after the weighted ones.