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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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
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Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
9 Sep - Allotment of Equity Shares under ESAF Employee Stock Option Scheme 2019
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Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD
4 Sep - ESAF SFB paid Rs.81,21,580 interest for ISIN INE818W08099 on Sept 04, 2025; issue size Rs.85,00,00,000.
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Announcement under Regulation 30 (LODR)-Credit Rating
3 Sep - CARE downgraded ESAF SFB Tier-II/Lower Tier-II to CARE A-; CD downgraded to CARE A1; FY25 loss ₹521 crore.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
31 Aug - Newspaper Publication of the Notice of the 9th Annual General Meeting of the Bank.
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Announcement Under Regulation 30 Of SEBI LODR Regulations, 2015
31 Aug - AGM on 24 Sep 2025; annual report dispatched with web links; cut-off date August 20, 2025.
Annual reports
Concalls
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Aug 2025Transcript PPT
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Aug 2025TranscriptNotesPPT
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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