| Annual Financials | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
Revenue  | 1,141 | 1,546 | 1,768 | 2,148 | 3,142 | 4,260 | 4,329 | 4,087 |
| Expenses | 538 | 646 | 879 | 1,248 | 1,676 | 2,190 | 3,152 | 3,048 |
| EBITDA | 144 | 279 | 170 | 107 | 448 | 621 | -634 | -788 |
| Operating Profit % | 48 % | 54 % | 46 % | 36 % | 41 % | 43 % | 18 % | 13 % |
| Depreciation | 17 | 23 | 29 | 33 | 42 | 51 | 59 | 0 |
| Interest | 458 | 621 | 720 | 793 | 1,017 | 1,449 | 1,811 | 1,827 |
| Profit Before Tax | 127 | 256 | 141 | 74 | 406 | 570 | -693 | -788 |
| Tax | 37 | 66 | 36 | 19 | 104 | 145 | -172 | -197 |
| Net Profit | 90 | 190 | 105 | 55 | 302 | 426 | -521 | -591 |
| EPS in ₹ | 2.37 | 4.45 | 2.46 | 1.22 | 6.73 | 8.96 | -10.13 | -11.50 |
ESAF Small Finance Bank
ESAF Small Finance Bank
27.05
-0.11
(-0.41%)
Key Fundamentals
Market Cap
1,394.46 Cr
EPS
-10.13
PE Ratio
-2.37
Dividend Yield
0.00 %
Industry
Banks 52 Week High
42.99
52 Week Low
24.31
PB Ratio
0.80
Debt to Equity
0.00
Sector
Small Finance Bank Actual
Company News
View All News
ESAF Small Finance Bank conducted its Q2 and H1 FY26 earnings call, reporting total business of INR 42,031 crores with secured assets now comprising 61% of gross advances, up from 39% a year ago. The bank expects to achieve positive quarterly ROA in FY26 as it focuses on portfolio diversification away from microfinance toward gold loans, MSME, and mortgage lending while targeting 20-25% loan book growth.
CareEdge ESG Ratings upgraded ESAF Small Finance Bank's ESG rating from CareEdge-ESG2 (score 68.1) to CareEdge-ESG1 (score 75.4), citing leadership in workforce diversity, financial inclusion, and governance practices. The upgrade reflects the bank's commitment to sustainability through enhanced CSR fund allocation, robust cybersecurity framework, and comprehensive regulatory compliance, though constraints remain in climate data verification and green loan portfolio coverage.
ESAF Small Finance Bank Seeks Shareholder Approval for Capital Increase and Director Appointments
8 days ago
8 days agoESAF Small Finance Bank has issued a postal ballot notice seeking shareholder approval for four key resolutions. The bank proposes to increase its authorized share capital from ₹600 crores to ₹1,000 crores by creating additional 40 crore equity shares of ₹10 each. The bank also seeks approval for the appointment of Karthikeyan Manickam as Non-Executive Independent Director and Part-Time Chairman with effect from December 21, 2025, with annual remuneration of ₹20 lakhs. Additionally, the bank proposes re-appointment of Ms. Kolasseril Chandramohanan Ranjani as Non-Executive Independent Director for another three-year term from December 13, 2025, and appointment of Ajay Sharma as Non-Executive Independent Director from December 21, 2025. The remote e-voting period runs from November 13, 2025 to December 12, 2025. The capital increase is intended to strengthen the bank's capital adequacy position and support future growth objectives through potential capital raising initiatives.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
916.70 | #1 68,376.49 | 31.56 | 1,446.00 | 19.10 | #1 761 | -1.80 | 69.61 | |
54.34 | 10,526.49 | 25.13 | 7,200.60 | 11.40 | 726 | -47.77 | 62.51 | |
64.02 | 7,301.51 | #1 -80.38 | #1 7,223.20 | 14.93 | 147 | #1 86.82 | 67.47 | |
451.75 | 4,753.62 | 11.65 | 5,485.70 | 17.11 | 501 | -22.44 | 46.47 | |
16.24 | 2,889.95 | -3.91 | 4,364.80 | #1 21.96 | 24 | -778.02 | 40.27 | |
140.19 | 1,490.08 | 22.21 | 2,171.00 | 20.07 | 115 | -33.04 | 42.94 | |
27.05 | #7 1,394.46 | #3 -2.37 | #5 4,329.30 | #8 1.62 | #8 -521 | #2 39.08 | 41.60 | |
280.55 | 1,270.50 | 9.47 | 994.50 | 15.32 | 132 | 4.80 | 58.11 |
Automatic Screeners on ScanX
Growth Rate
Revenue Growth
1.62 %
Net Income Growth
-222.51 %
Cash Flow Change
217.34 %
ROE
-256.62 %
ROCE
-46.90 %
EBITDA Margin (Avg.)
-44.04 %
Yearly Financial Results
Balance Sheet
| Balance Sheet | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 7,058 | 9,470 | 12,339 | 17,708 | 20,224 | 26,087 | 27,178 |
| Fixed Assets | 86 | 116 | 133 | 159 | 188 | 205 | 237 |
| Current Assets | 884 | 1,057 | 2,065 | 1,776 | 1,185 | 1,999 | 2,637 |
| Capital Work in Progress | 4 | 4 | 6 | 0 | 0 | 3 | 63 |
| Investments | 1,531 | 1,734 | 1,932 | 4,070 | 4,889 | 5,541 | 5,995 |
| Other Assets | 5,438 | 7,616 | 10,268 | 13,478 | 15,147 | 20,338 | 20,883 |
| Total Liabilities | 7,058 | 9,470 | 12,339 | 17,708 | 20,224 | 26,087 | 27,178 |
| Current Liabilities | 145 | 154 | 293 | 528 | 489 | 505 | 547 |
| Non Current Liabilities | 6,913 | 9,316 | 12,046 | 17,180 | 19,735 | 25,582 | 26,631 |
| Total Equity | 894 | 1,084 | 1,352 | 1,412 | 1,715 | 2,492 | 1,949 |
| Reserve & Surplus | 466 | 656 | 903 | 962 | 1,266 | 1,977 | 1,434 |
| Share Capital | 428 | 428 | 450 | 450 | 450 | 515 | 515 |
Cash Flow
| Cash Flow | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | 78 | -45 | 1,143 | -308 | -745 | 654 | 556 |
| Investing Activities | -171 | -635 | -638 | -982 | -573 | -583 | -769 |
| Operating Activities | -239 | 1,089 | 1,127 | -585 | -571 | 1,001 | 3,176 |
| Financing Activities | 488 | -499 | 653 | 1,259 | 399 | 235 | -1,852 |
Share Holding
| % Holding | Jul 2021 | Nov 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
| Promoter | 74.43 % | 63.39 % | 63.39 % | 63.39 % | 63.39 % | 63.38 % | 63.36 % | 63.31 % | 63.31 % | 63.30 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.81 % | 0.12 % | 0.15 % | 0.16 % | 0.27 % | 0.17 % | 0.16 % |
| DIIs | 0.00 % | 13.13 % | 10.27 % | 10.26 % | 8.90 % | 5.56 % | 5.03 % | 5.00 % | 5.00 % | 5.00 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 0.00 % | 8.08 % | 9.53 % | 11.06 % | 12.84 % | 15.78 % | 16.19 % | 16.17 % | 16.65 % | 16.72 % |
| Others | 25.57 % | 15.40 % | 16.81 % | 14.47 % | 14.75 % | 15.13 % | 15.26 % | 15.24 % | 14.87 % | 14.81 % |
| No of Share Holders | 85 | 1,10,769 | 94,713 | 1,02,124 | 1,07,413 | 1,15,818 | 1,18,512 | 1,16,912 | 1,16,490 | 1,13,955 |
Dividend History
| Annual Cash Flows | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.7 | 0.00 |
| Dividend Yield (%) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 2.85 | 0.00 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 29 Dec 2023 |  Annual General Meeting | NA | 29 Dec 2023 | 69.00 | 68.88 |
| 07 Aug 2024 |  Dividend | ₹ 0.70 /share | 07 Aug 2024 | 60.40 | 49.97 |
| 14 Aug 2024 | Annual General Meeting | NA | 14 Aug 2024 | 52.25 | 50.96 |
| 13 Nov 2024 |  Quarterly Result Announcement | NA | 13 Nov 2024 | 44.30 | 42.91 |
| 10 Feb 2025 | Quarterly Result Announcement | NA | 10 Feb 2025 | 37.15 | 36.27 |
| 16 May 2025 | Quarterly Result Announcement | NA | 16 May 2025 | 28.53 | 31.02 |
| 08 Aug 2025 | Quarterly Result Announcement | NA | 08 Aug 2025 | 31.14 | 31.39 |
| 24 Sept 2025 | Annual General Meeting | NA | 24 Sept 2025 | 29.47 | 29.33 |
| 11 Nov 2025 | Quarterly Result Announcement | NA | 11 Nov 2025 | 27.98 | 28.06 |
Announcements
Announcement under Regulation 30 (LODR)-Earnings Call Transcript2 days ago
2 days agoIntimation On The Upgrading Of ESG Rating To Careedge-ESG 1 By Careedge ESG Ratings6 days ago
6 days agoCompliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD 6 days ago
6 days agoClarification W.R.T Audio Recording Uploaded Towards Q2FY26 Earnings Call Dated November 12 20257 days ago
7 days agoAnnouncement under Regulation 30 (LODR)-Newspaper Publication8 days ago
8 days agoShareholder Meeting / Postal Ballot-Notice of Postal Ballot8 days ago
8 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome8 days ago
8 days agoAnnouncement under Regulation 30 (LODR)-Newspaper Publication9 days ago
9 days agoAnnouncement under Regulation 30 (LODR)-Press Release / Media Release9 days ago
9 days agoAnnouncement under Regulation 30 (LODR)-Investor Presentation9 days ago
9 days agoAnnouncement under Regulation 30 (LODR)-Change in Directorate9 days ago
9 days agoUnaudited Standalone Financial Results For The Quarter And Half Year Ended September 30 20259 days ago
9 days agoBoard Meeting Outcome for Outcome Of The Board Meeting Held On November 11 20259 days ago
9 days agoAnnouncement under Regulation 30 (LODR)-Allotment10 days ago
10 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationNov 06, 2025
Nov 06, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSNov 05, 2025
Nov 05, 2025Board Meeting Intimation for Considering And Approving The Unaudited Standalone Financial Results For The Quarter Ended September 30 2025.Nov 04, 2025
Nov 04, 2025Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Nov 04, 2025
Nov 04, 2025Board Meeting Outcome for Outcome Of The Board Meeting Held On November 3 2025Nov 03, 2025
Nov 03, 2025Board Meeting Intimation for Considering The Proposal To Raise Funds By Way Of Issuance Of Non-Convertible Debentures (Tier II Bonds) On Preferential Basis Through Private Placement.Oct 29, 2025
Oct 29, 2025Receipt Of Communication From RBI On The Scheme Of Arrangement Between The Promoter Company And Its Identified ShareholdersOct 28, 2025
Oct 28, 2025Reg. 34 (1) Annual Report.Oct 23, 2025
Oct 23, 2025Intimation On Receipt Of Reserve Bank Of India Approval For Appointment Of Shri. Karthikeyan M (DIN: 09450145) As Part Time Chairman Of The BankOct 18, 2025
Oct 18, 2025Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Oct 17, 2025
Oct 17, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSOct 13, 2025
Oct 13, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 08, 2025
Oct 08, 2025Compliances-Half Yearly Report (SEBI Circular No. CIR/IMD/DF-1/67/2017) Oct 07, 2025
Oct 07, 2025Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Oct 04, 2025
Oct 04, 2025Key Business Updates For The Quarter Ended September 30 2025Oct 04, 2025
Oct 04, 2025Closure of Trading WindowSep 26, 2025
Sep 26, 2025Announcement under Regulation 30 (LODR)-Change in ManagementSep 24, 2025
Sep 24, 2025Announcement under Regulation 30 (LODR)-Appointment of Statutory Auditor/sSep 24, 2025
Sep 24, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateSep 24, 2025
Sep 24, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportSep 24, 2025
Sep 24, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMSep 24, 2025
Sep 24, 2025Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Sep 20, 2025
Sep 20, 2025Announcement under Regulation 30 (LODR)-Change in ManagementSep 20, 2025
Sep 20, 2025Board Meeting Outcome for Outcome Of The Board Meeting Held On September 20 2025Sep 20, 2025
Sep 20, 2025Closure of Trading WindowSep 15, 2025
Sep 15, 2025Board Meeting Intimation for Considering And Approving Proposal Of Raising Tier I Capital By Way Of Issuance Of Equity Shares Or Any Other Eligible Securities Through Permissible Modes As May Be Permitted Under Applicable Laws.Sep 15, 2025
Sep 15, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSSep 09, 2025
Sep 09, 2025Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Sep 04, 2025
Sep 04, 2025Announcement under Regulation 30 (LODR)-Credit RatingSep 03, 2025
Sep 03, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 31, 2025
Aug 31, 2025Announcement Under Regulation 30 Of SEBI LODR Regulations 2015Aug 31, 2025
Aug 31, 2025Intimation Of The Book Closure For Annual General Meeting Of ESAF Small Finance Bank LimitedAug 30, 2025
Aug 30, 2025Business Responsibility and Sustainability Reporting (BRSR)Aug 30, 2025
Aug 30, 2025Reg. 34 (1) Annual Report.Aug 30, 2025
Aug 30, 2025Notice Of The Ninth (09Th) Annual General Meeting (AGM) Of The Shareholders Of ESAF Small Finance Bank Limited (The Bank)Aug 30, 2025
Aug 30, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 26, 2025
Aug 26, 2025Mutual Fund Holdings
| Funding House | Current Holding % | 1M Change | 1M Change % | 3M Change % | Last 6M Trend |
|---|---|---|---|---|---|
 Bandhan Nifty Total Market Index Fund Direct-Growth | 0.00% | 0 | 0.00% | 0.00% | |
 Groww Nifty Total Market Index Fund Direct - Growth | 0.00% | 0 | 0.00% | 0.00% | |
 Mirae Asset Nifty Total Market Index Fund Direct-Growth | 0.00% | 0 | 0.00% | 0.00% | |
 Motilal Oswal Nifty Microcap 250 Index Fund Direct - Growth | 0.00% | 0 | 0.00% | 0.00% |
Technical Indicators
RSI(14)
Neutral 41.60
ATR(14)
Less Volatile 0.80
STOCH(9,6)
Neutral 21.98
STOCH RSI(14)
Neutral 74.82
MACD(12,26)
Bearish -0.01
ADX(14)
Strong Trend 25.12
UO(9)
Bearish 34.33
ROC(12)
Downtrend And Accelerating -2.93
WillR(14)
Oversold -80.11
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