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NSE Listed · Banks

ESAF Small Finance Bank Limited (ESAFSFB)

42.05▲ +15.27%
Vol 4.36 CrAvg 1W 1.07 CrAvg 1M 39.96 L
19.7843
42.05 34.73% · 1Y
42204.4Cr
2025-08-01
2026-07-31

20-day avg volume: 42.3L shares

Key ratios

Market cap (Cr)
Price42.05
Prev close36.48
52W high43
52W low19.78
Volume4.36 Cr
Avg Vol (1W)1.07 Cr
Avg Vol (1M)39.96 L
P/E91.41
EPS0.46
Book value34.52
Face value10
P/B1.22
Div Yield %
ROE %
ROA %
Revenue (Cr)₹1,570 Cr
Profit margin %
Debt/Equity

Quarterly results

Jun 2026Rev · PAT ₹80 Cr
Mar 2026Rev · PAT ₹24 Cr
Dec 2025Rev · PAT ₹7 Cr
Sept 2025Rev · PAT ₹-116 Cr
Jun 2025Rev · PAT ₹-81 Cr
Mar 2025Rev · PAT ₹-183 Cr

Annual results

Mar 2026Rev ₹4,348 Cr · PAT ₹-166 Cr
Mar 2025Rev ₹4,329 Cr · PAT ₹-521 Cr
Mar 2024Rev ₹4,260 Cr · PAT ₹426 Cr
Mar 2023Rev ₹3,142 Cr · PAT ₹302 Cr
Mar 2022Rev ₹2,148 Cr · PAT ₹55 Cr
Mar 2021Rev ₹1,768 Cr · PAT ₹105 Cr

Balance sheet

Mar 2026Assets ₹30,868 Cr · Equity ₹1,787 Cr
Mar 2025Assets ₹27,178 Cr · Equity ₹1,949 Cr
Mar 2024Assets ₹26,087 Cr · Equity ₹2,492 Cr
Mar 2023Assets ₹20,224 Cr · Equity ₹1,715 Cr
Mar 2022Assets ₹17,708 Cr · Equity ₹1,412 Cr
Mar 2021Assets ₹12,339 Cr · Equity ₹1,352 Cr

Shareholding

Promoters63.25%
Institutions4.11%
Public32.64%

About

Banks · Banks - Private Sector

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.

Efficiency & working capital

ROCE %4.1%
Interest coverage0
Dividend payout %
Debtor days
Inventory days
Payable days
Cash conversion cycle
Working capital days

Shareholding details · 2026-06-30

Promoter %63.2%
FII %0.3%
DII %3.8%
Public %32.6%
Promoter pledge %0%
No. of shareholders1,07,631

Shareholding pattern

Nov 23Dec 23Mar 24Jun 24Sept 24Dec 24Mar 25Jun 25Sept 25Dec 25Mar 26Jun 26
Promoters63.4%63.4%63.4%63.4%63.4%63.4%63.3%63.3%63.3%63.3%63.3%63.2%
FIIs2.2%1.2%0.8%0.1%0.1%0.2%0.3%0.2%0.2%0%0%0.3%
DIIs13.1%10.3%10.3%8.9%5.6%5%5%5%5%5%4.6%3.8%
Public21.3%25.2%25.5%27.6%30.9%31.5%31.4%31.5%31.5%31.7%32.1%32.6%
Pledge0%0%0%0%0%0%0%0%0%0%0%0%
Shareholders1,10,76994,7131,02,1241,07,4131,15,8181,18,5121,16,9121,16,4901,13,9551,11,6911,09,2461,07,631

Returns history

202603ROE — · ROCE — · ROA —

Major shareholders (>1%)

Esaf Financial Holdings Private Limited52.8%
Paul Thomas6%
Yusuffali Musaliam Veettil Abdul Kader4.5%
Esaf Swasraya Multistate Agro Cooperative Society Limited4.3%
Muthoot Finance Limited3.6%
George Ittan Maramkandathil2.6%
Edelweiss Life Insurance Company Limited1.6%
Bajaj Life Insurance Limited1.2%
Beena George0%
Bosco Joseph0%

Board of directors

K Thomas JacobIndependent Non Exe. Director
Vinod Vijayalekshmi VasudevanIndependent Non Exe. Director
Kolasserif Chandramohanan RanianiIndependent Non Exe. Director
BIJU VARKKEYIndependent Non Exe. Director
George Kalaparambil JohnE D & Wholetime Director
K P ThomasManaging Director & Chief Executive Officer
Ranjith Raj P.Company Sec. & Compli. Officer
M. KarthikeyanChairman (Non-Executive)
Ajay SharmaIndependent Non Exe. Director
Ashok Tukaram DhamankarNon Executive Director
Hari VelloorNon Executive Director

Corporate actions

forthcoming · 2026-07-31Board Meetings
forthcomingBook Closure

Capital structure (₹ Cr)

Face value₹10
Authorised1,000
Issued516
Paid-up516

Company info

Incorporated2016
ChairmanM. Karthikeyan
AuditorKirtane & Pandit LLP/Sundaram & Srinivasan

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

Educational only — not investment advice.