ESAF Small Finance Bank Limited
ESAF Small Finance Bank Limited (ESAFSFB) financial statements and selected valuation metrics from NSE/BSE exchange filings through 30 June 2026.
Financial Services›Financial Services›Banks›Other Bank
esaf.bank.in(opens the company website in a new tab)Key metrics
Price as of 2026-09-02
Sign in for full ratios and TTM. Learn about these metrics →
Share price
NSE closing price from historical market data.
Loading price history…
Statement tables · Consolidated
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 |
|---|---|---|---|---|
| Net Interest Income | 436 Cr | 378 Cr | 364 Cr | 432 Cr |
| Other income | 143 Cr | 195 Cr | 145 Cr | 269 Cr |
| Net operating income | 579 Cr | 573 Cr | 509 Cr | 702 Cr |
| Employee cost | 185 Cr | 190 Cr | 158 Cr | 171 Cr |
| Other expenses | 304 Cr | 258 Cr | 258 Cr | 279 Cr |
| Provisions & contingencies | 332 Cr | 234 Cr | 249 Cr | 243 Cr |
| Depreciation | — | — | — | — |
| Profit before tax | -241 Cr | -109 Cr | -155 Cr | 9 Cr |
| Tax % | 23.9% | 25.6% | 25.5% | 22.0% |
| Net profit | -183 Cr | -81 Cr | -116 Cr | 7 Cr |
| EPS (₹) | ₹-3.56 | ₹-1.58 | ₹0.00 | ₹0.00 |
Profit & loss (annual)
Annual · last column is TTM · ₹ Cr · tap + to expand
| Metric | Mar 2025 | TTM |
|---|---|---|
| Net Interest Income | 2,052 Cr | Sign in for TTM |
| Other income | 467 Cr | Sign in for TTM |
| Net operating income | 2,519 Cr | Sign in for TTM |
| Employee cost | 660 Cr | Sign in for TTM |
| Other expenses | 1,243 Cr | Sign in for TTM |
| Provisions & contingencies | 1,250 Cr | Sign in for TTM |
| Depreciation | — | Sign in for TTM |
| Profit before tax | -693 Cr | Sign in for TTM |
| Tax % | 24.8% | Sign in for TTM |
| Net profit | -521 Cr | Sign in for TTM |
| EPS (₹) | ₹-10.13 | Sign in for TTM |
| Dividend payout % | — | Sign in for TTM |
Trailing twelve months totals and margin rows
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2025 |
|---|---|
| Equity capital | 515 Cr |
| Reserves | 1,430 Cr |
| Borrowings | 1,406 Cr |
| Other liabilities | 23,828 Cr |
| Total liabilities | 27,178 Cr |
| Fixed assets (net) | 300 Cr |
| CWIP | — |
| Investments | 5,995 Cr |
| Loans & advances | 18,028 Cr |
| Cash & bank | 1,351 Cr |
| Other assets | 1,503 Cr |
| Total assets | 27,178 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2025 |
|---|---|
| Cash from operating activity | 3,176 Cr |
| Cash from investing | -769 Cr |
| Cash from financing | -1,852 Cr |
| Net cash flow | 556 Cr |
| Free cash flow (OCF − Capex) | 3,024 Cr |
Ratios
Ratios as reported or derived per annual period.
| Metric | Mar 2025 |
|---|---|
| ROCE % | 4.2% |
| ROE % | -26.8% |
| Debtor days | — |
| Inventory days | — |
| Days payable | — |
| Cash conversion cycle | — |
| Debt / equity | 0.72 |
| Current ratio | — |
| Net debt / EBITDA | — |
Regulatory ratios (standalone basis)
RBI/Basel III ratios — NPA, CET1, CRAR, NIM, ROA — for the licensed banking entity. Always sourced from the standalone filing, even on the consolidated view, since these have no consolidated-group definition.
| Metric | Mar 2025 |
|---|---|
| Gross NPA | 1,291 Cr |
| Gross NPA % | 6.9% |
| Net NPA | 540 Cr |
| Net NPA % | 3.0% |
| CET1 % | 17.1% |
| Additional Tier 1 % | 0.5% |
| Capital adequacy % | — |
| NIM % | — |
| ROA % | -1.9% |
Compare with peers
Loading peers…