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ESAF Small Finance Bank Ltd.

43.36+0.15 (+0.35%)

BSE · 30 Oct, 4:01 PM

: ₹2,190.08 Cr
: 8.09
: 1,49,799
: ₹45.37 - ₹42.25
: ₹45.90 - ₹19.74

ESAF Small Finance Bank Ltd. (ESAFSFB) share price closed at ₹43.36 on the BSE on Friday, October 30, 2026, up by 0.35% from its of ₹43.21. In that session ESAFSFB reached a of 45.37 and of 42.25. The for the session was 39.90. The stands at 41.90 and is at 32.58. Looking at , the stock ended the session in Uptrend.

Stock Overview

₹44.70

₹43.21

₹39.90

₹41.90

Price 3.48% above

₹32.58

Price 33.09% above

Key Fundamentals

: 2,190.08 Cr₹2.19 Thousand Crore
: 5.25
: 8.09
: 1.08
: 39.20
: 1,205.18 Cr₹1.21 Thousand Crore
: 0.00 %
Sector
Industry: Bank - Private
: -8.93
: 1.55

Industry Comparison

Ratio	Company	Sector
	8.09	8.93
	1.55	0.78
	1.08	1.06
	—	—
	0.00 %	0.75 %
Operating Margin	20.13 %	24.57 %

Sector figures are the median of 40 listed Bank companies.

Peer Comparison

Name
HDFC BANK HDFCBANK	692.30	13.97	10,68,062.15	2.24	19,509.96	4.66%	83,426.60	8.78%	12.91
ICICI BANK ICICIBANK	1,394.00	18.31	10,01,065.05	0.86	14,843.03	20.10%	49,110.00	17.61%	17.11
KOTAK MAH.BK KOTAKBANK	461.00	29.01	4,58,597.33	0.14	4,211.97	29.47%	15,947.73	16.84%	12.21
AXIS BANK AXISBANK	1,214.70	13.67	3,78,267.15	0.08	7,003.28	37.60%	36,418.77	17.59%	10.93
IDBI BANK L IDBI	80.18	10.52	86,212.76	0.00	2,205.45	-39.20%	8,512.15	19.82%	15.30
FEDERAL BANK FEDERALBNK	342.65	17.42	84,737.53	0.35	1,386.09	45.10%	7,720.98	14.52%	11.07
INDUSIND BNK INDUSINDBK	840.00	22.78	65,448.16	0.18	1,176.06	364.41%	11,795.98	1.61%	5.03
ESAF Small Finance Bank Ltd. ESAFSFB	43.36	8.09	2,190.08	0.00	160.17	238.30%	1,174.71	43.29%	-1.58

Quarterly Results

consolidated figures in ₹ Crores · Quarterly

Particulars	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
	1,022.34	995.28	947.85	892.06	828.23	819.82	894.05	995.08	1,097.77	1,174.71
Expenses	449.60	493.92	471.53	488.47	448.09	423.70	449.20	477.83	483.34	494.19
	254.04	143.03	127.38	90.66	124.92	93.25	252.52	241.29	348.98	362.39
	24.85%	14.37%	13.44%	10.16%	15.08%	11.37%	28.24%	24.25%	31.79%	30.85%
Provisions and Contingencies	169.12	339.69	409.77	331.50	234.12	248.67	243.39	214.20	241.96	147.89
	115.40	155.73	113.93	144.71	195.14	145.16	269.39	201.37	248.24	213.33
Interest	434.10	456.06	462.87	457.64	450.36	448.03	461.72	477.33	513.69	531.46
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	84.92	-254.66	-282.39	-240.84	-109.20	-155.42	9.13	27.09	107.02	214.50
	26.08%	25.36%	25.32%	23.94%	25.62%	25.49%	22.02%	13.22%	25.17%	25.33%
	62.77	-190.07	-210.90	-183.19	-81.22	-115.81	7.12	23.51	80.08	160.17
	1.22	-3.69	-4.09	-3.55	-1.58	-2.25	0.14	0.46	1.55	3.10

Profit & Loss

consolidated figures in ₹ Crores · Annual

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
I. INCOME
Interest Earned	1,939.93	2,853.60	3,818.53	3,857.53	3,537.18
	207.58	287.97	441.72	471.77	811.05
	2,147.51	3,141.57	4,260.25	4,329.30	4,348.23
II. EXPENDITURE
Interest Expended	792.79	1,017.32	1,448.73	1,810.68	1,837.44
Operating Expenses	862.87	1,230.54	1,648.83	1,961.51	1,798.82
Provisions and Contingencies	418.00	487.67	592.27	1,250.08	940.38
	73.85	406.04	570.42	-692.97	-228.40
Taxes	19.12	103.71	144.85	-171.58	-62.00
	54.73	302.33	425.57	-521.39	-166.40
Extra items				0.00	0.00
Consolidated Net Profit	54.73	302.33	425.57	-521.39	-166.40
IV. APPROPRIATIONS	360.98	623.83	967.59	335.89	124.78
Equity Dividend %			7.00%
	1.22	6.73	8.27	-10.12	-3.23
Adjusted EPS	1.22	6.73	8.27	-10.12	-3.23

Balance Sheet

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
SOURCES OF FUNDS:
	449.47	449.47	514.78	515.43	515.66
Share Warrants & Outstandings	4.81	5.88	5.68	4.04	6.49
Total Reserves	957.32	1,259.65	1,971.33	1,429.58	1,264.38
Reserve excluding Revaluation Reserve	957.32	1,259.65	1,971.33	1,429.58	1,264.38
Revaluation Reserves	0.00
Deposits	12,815.07	14,665.62	19,867.80	23,276.44	25,850.16
	2,952.83	3,354.20	3,222.53	1,405.73	2,752.74
Other Liabilities & Provisions	528.06	488.86	504.77	547.07	478.55
Total Liabilities	17,707.56	20,223.68	26,086.89	27,178.29	30,867.98
APPLICATION OF FUNDS :
Cash and balance with Reserve Bank of India	1,300.67	739.55	1,364.65	1,351.43	1,113.71
Balances with banks and money at call	211.24	27.50	58.28	627.68	60.82
Investments	4,070.30	4,888.53	5,541.02	5,995.26	6,399.11
Investments in India	4,070.30	4,888.53	5,541.02	5,995.26	6,399.11
Investments outside India	0.00
Advances	11,637.01	13,924.33	18,293.11	18,027.87	21,594.23
Gross block	267.29	335.01	401.84	491.84	538.06
Less: Accumulated Depreciation	107.89	147.32	196.90	254.73	311.90
	159.40	187.69	204.94	237.12	226.16
	0.07	0.24	2.61	63.30	289.83
Other Assets	328.88	455.85	622.28	875.62	1,184.14
Total Assets	17,707.56	20,223.68	26,086.89	27,178.29	30,867.98
	2.05	1.90	2.19	198.59	514.51
	31.30	38.03	48.29	37.74	34.52
Adjusted Book Value	31.30	38.03	48.29	37.74	34.52

Cash Flow

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
Net Profit Before Taxes	73.85	406.04	570.41	-692.97	-228.40
Adjustments for Expenses & Provisions :	443.11	618.35	618.41	1,487.36	1,027.48
Adjustments for Liabilities & Assets:	-1,084.56	-1,533.80	-27.57	2,387.51	-2,747.16
Refund/(payment) of direct taxes	-16.90	-61.30	-160.33	-5.58	-12.21
Cash Flow from operating activities	-584.50	-570.70	1,000.93	3,176.32	-1,960.29
Cash Flow from investing activities	-981.85	-573.22	-582.54	-768.83	-191.67
Cash Flow from financing activities	1,258.83	399.07	235.10	-1,851.62	1,347.37
Net increase/(decrease) in cash and cash equivalents	-307.52	-744.86	653.50	555.87	-804.59
Opening Cash & Cash Equivalents	1,818.80	1,511.28	766.42	1,419.92	1,975.79
Closing Cash & Cash Equivalent	1,511.28	766.42	1,419.92	1,975.79	1,171.20

Ratios

Valuation

8.09

1.08

3.18

0.53

5.25

39.20

Profitability

-8.93

-1.58

-0.57

20.13

-4.70

Leverage & Liquidity

1.55

Returns

0.00

Banking Metrics

5.83

5.41

1.77

83.54

Shareholding Pattern

Numbers in percentages

Particulars	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26	Sep '26
	63.39	63.38	63.36	63.31	63.31	63.30	63.30	63.28	63.25	63.23
	9.02	5.71	5.19	5.27	5.17	5.16	4.98	4.64	4.12	3.76
	27.59	30.91	31.46	31.42	31.52	31.53	31.73	32.08	32.64	33.00
	36.61	36.62	36.64	36.69	36.69	36.70	36.70	36.72	36.75	36.77
No. of Shareholders	1,07,413	1,15,818	1,18,512	1,16,912	1,16,490	1,13,955	1,11,691	1,09,246	1,07,631	1,04,828

Mutual Funds Invested

No mutual fund holds this stock in its latest portfolio.

Corporate Actions

Showing: All

Date	Type	Details
2026-10-16	Board Meeting	Quarterly Results
2026-09-17	Board Meeting	Inter alia, to consider and approve the proposal to raise funds by way of issuance of Non-Convertible Debentures (Tier II Bonds) on Preferential basis through Private Placement in compliance with applicable provisions of the Securities and Exchange Board of India (Issue and Listing of Non-Convertible Securities) Regulations, 2021 and SEBI Listing Regulations as amended from time to time.
2026-07-23	Board Meeting	Quarterly Results

Insider Trading

Date	Person	Category	Transaction Type	Shares	Value (₹)

No insider trading data available.

Sector Overview

BankBank - Private

ESAF Small Finance Bank Ltd. operates in the Bank sector under the Bank - Private industry. This sector is one of the key drivers of the Indian economy and is closely tracked by the relevant Nifty sectoral index.

Company Profile

Corporate information and contact details

Key Management

12 members across the board and senior leadership

Ranjith Raj P

Company Secretary & Compliance Officer

—

George Kalaparambil John

Whole Time Director

₹92.45 L

Mar '26

George Ittan Maramkandathil

Non Executive Director

₹2.80 L

Mar '26

Biju Varkkey

Non Executive Independent Director

₹13.70 L

Mar '26

Ajay Sharma

Non Executive Independent Director

₹6.70 L

Mar '26

Vinod Vijayalekshmi Vasudevan

Non Executive Independent Director

₹12.50 L

Mar '26

Kadambelil Paul Thomas

Managing Director & Chief Executive Officer

₹3.59 Cr

Mar '26

Karthikeyan Manickam

Chairman

₹8.20 L

Mar '26

Kolasseril Chandramohanan Ranjani

Non Executive Independent Director

₹21.20 L

Mar '26

Ashok Tukaram Dhamankar

Non Executive Independent Director

—

Joseph Vadakkekara Antony

Non Executive Director

₹23.10 L

Mar '25

Hari Velloor

Non Executive Director

—

ESAFSFB Latest News

News

10 of 10 articles

EQUITY26 Oct 2026 · 09:58

ESAF Small Finance Bank informs about updates

EQUITY22 Oct 2026 · 12:38

ESAF Small Finance Bank submits analyst meet intimation

EQUITY16 Oct 2026 · 17:14

ESAF Small Finance Bank informs about board meeting

EQUITY12 Oct 2026 · 10:33

ESAF Small Finance Bank informs about certificate

EQUITY7 Aug 2026 · 14:43

ESAF Small Finance Bank informs about transcript of conference call

EQUITY2 Jul 2026 · 10:01

ESAF Small Finance Bank informs about key business updates

EQUITY25 Jun 2026 · 15:00

ESAF Small Finance Bank informs about allotment

EQUITY25 Jun 2026 · 12:19

ESAF Small Finance Bank inches up on raising Rs 85 crore via NCDs

The Allotment Committee of Executives of the Bank on June 25, 2026 has accorded its approval for same

COMPANY25 Jun 2026 · 12:00

ESAF Small Finance Bank raises Rs 85 crore via NCDs

The Allotment Committee of Executives of the Bank on June 25, 2026 has accorded its approval for same

EQUITY12 Jun 2026 · 10:13

ESAF Small Finance Bank informs about business updates

ESAF Small Finance Bank Ltd.

Stock Overview

Price chart

Peer Comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flow

Ratios

Valuation

Profitability

Leverage & Liquidity

Returns

Banking Metrics

Shareholding Pattern

Mutual Funds Invested

Corporate Actions

Insider Trading

Sector Overview

Company Profile

Key Management

ESAFSFB Latest News

News