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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

41.35 0 (1.12%)

As on 05 Nov 2026 (EOD)

Today’s Low
40.87
Today’s High
41.87

Open
41.48
Perv Close
40.89
52W Low
19.78
52W High
46.00

Key Indicators

P/E(TTM)

7.89
Mar.Cap (₹Cr.)

2,134.33
Div & Yield %

0.00
Book Value(₹)

39.20
Debt-Equity Ratio

1.12
AGM Date

04-Nov-2026
EPS

5.25
P/E Ratio

7.89

Financials Ratios

Debt-Equity Ratio

-
Mar.Cap (₹Cr.)

2,134.33

RONW (%)

-
ROCE (%)

-

Score Board

Equity (₹ in Cr.)

516.16
BV (₹)

39.20
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)

2,137.43

52 Week High

46.00
52 Week Low

19.78
Price BSE

41.0
Price NSE

41.00
Market Capital( in Cr.)

2,137.43
P/C Ratio

-21.20
P/E Ratio

-12.80
Price Vs.BV

-3.20

02-Sep-2026( 04:32)

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

Hot Pursuit - ESAF... - ESAF Small Finance Bank Ltd ha...
31-Jul-2026( 02:39)

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

Corporate News - ESAF... - ESAF Small Finance Bank will...

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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

63.23%
Public Share Holding

36.77%

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	57.15	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	63.23	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	948,947	0.18	948,947	6
Foreign Venture Capital Investors	0	0.00	0	0
Foreign Institution Other	0	0.00	0	0
Insurance Companies	17,695,137	3.43	17,695,137	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	804,925	0.16	804,925	2
Trusts	0	0.00	0	0
Venture Capital Funds	0	0.00	0	0
Sub total	19,449,009	3.77	19,449,009	12
2] Non Institution
Bodies Corporate	24,309,105	4.71	24,309,105	169
Clearing Members	2,389,802	0.46	2,389,802	16
Directors of their Relatives	13,473,212	2.61	13,473,212	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	32,828,242	6.36	32,828,242	1,580
Foreign Non Institution Other	0	0.00	0	0
Hindu Undivided Families	3,802,568	0.74	3,802,568	1,620
Indian Public	0	0.00	0	0
Individuals holding nominal share capital in excess of Rs. 1 lakh	32,822,632	6.36	32,822,632	516
Individuals holding nominal share capital up to Rs. 1 lakh	59,375,159	11.50	59,375,159	100,884
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	15,355	0.00	15,355	2
Sub Total	170,334,453	33.00	170,334,453	104,805
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 )	516,120,301	100.00	516,120,301	104,828

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	41.41	4,348.23	3,537.18	7.89
ICICI Bank	1,424.00	200,703.68	169,946.09	18.70
SBI	978.75	556,240.68	482,797.17	11.02
HDFC Bank	736.00	370,054.63	307,522.07	14.86
Kotak Mah. Bank	459.00	67,187.26	55,563.98	28.89
Karur Vysya Bank	344.85	13,158.67	11,074.35	11.27
Federal Bank	335.00	32,135.76	27,695.38	17.03
Bank of Baroda	245.15	142,750.49	126,993.66	6.86
Canara Bank	118.45	153,204.21	126,366.17	5.46
IDBI Bank	79.24	35,743.53	28,997.26	10.39
UCO Bank	22.99	29,740.99	26,281.36	9.66

NSE

ICICI Bank

ITC

Reliance Industries

M & M

HDFC Bank

Tonbo Imaging

Tube Investments

TCS

Axis Bank

Aurobindo Pharma

HDFC Life Insur.

SBI

Lenskart Solut.

P I Industries

Jio Platforms

Larsen & Toubro

Bajaj Finance

Bharti Airtel

Cummins India

ESAF Small Finance Bank Ltd Banks - Private Sector

41.35 0 (1.12%)

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