ESAF Small Finance Bank Ltd
Incorporated in 1992, ESAF Small Finance
Bank provides micro, retail and corporate banking, para banking activities such as
debit card, third party financial product distribution, in addition to treasury and
permitted foreign exchange business[1]
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Pros
Cons
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Quarterly Results
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Profit & Loss
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Balance Sheet
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Documents
Announcements
- Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD 4 Jun
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Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD
31 May - ESAF Bank paid 1.91 Cr interest and fully redeemed 40 Cr NCDs on May 31, 2025 as scheduled.
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Compliances-Reg.24(A)-Annual Secretarial Compliance
26 May - Annual Secretarial Compliance Report for FY 2024-25; minor delay fined and paid; regulatory compliance confirmed.
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Announcement under Regulation 30 (LODR)-Earnings Call Transcript
22 May - Transcript of the Earnings Conference Call held on May 19, 2025
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
19 May - Audio recording of ESAF Bank Q4 FY25 earnings call uploaded on website.
Concalls
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May 2025Transcript PPT
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Feb 2025Transcript PPT
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Nov 2024Transcript PPT
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Aug 2024Transcript PPT
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May 2024Transcript PPT
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Feb 2024Transcript PPT
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Nov 2023Transcript PPT
Business Overview:[1][2][3]
a) ESAF SFB is a Scheduled commercial bank with a presence in 24 States and 2 UTs, with ~756 Banking Outlets and 646 ATMs
b) It has 8,834 Customer Touchpoints for 89.4 lakh Customers
c) Company has Loan Book of Rs. 19,216 Cr which includes Micro Loans ~62%, and Retail & Other Loans ~38%. It has Deposits of Rs. 21,613 Cr
d) GNPA ~6.9%, NNPA ~2.9%, CASA ~22.7%, NIM ~10.7%
e) 53% of their customers are in rural and semi urban areas, and 70% of their banking outlets are in rural and semi-urban areas