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.
Quarterly Results
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Profit & Loss
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Balance Sheet
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Cash Flows
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Ratios
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Documents
Announcements
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
1d - ESAF Bank schedules Q4 & FY25 earnings call on May 19, 2025, at 10:00 AM IST.
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Board Meeting Intimation for Considering And Approving The Audited Standalone Financial Results Of The Bank For The Quarter And Financial Year Ended March 31, 2025.
2d - Board meeting on May 16 to approve audited FY25 financial results; trading window closed till May 18.
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Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD
5 May - Interest payment of Rs. 78.6 lakh on NCS made on May 5, 2025, as per SEBI regulations.
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Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
15 Apr - Certificate under Regulation 74(5) of SEBI (DP) Regulations, 2018 for the quarter ended March 31, 2025.
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Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD
4 Apr - Certification of interest payment for non-convertible securities.
Concalls
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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