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 - Outcome
2d - Audio recording of ESAF Bank Q4 FY25 earnings call uploaded on website.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
19 May - Newspaper Publication of the Audited Standalone Financial Results of the Bank for the Quarter and Year ended March 31, 2025.
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Announcement under Regulation 30 (LODR)-Investor Presentation
17 May - Investor Presentation on the Financial Results of the Bank for the quarter and year ended March 31, 2025.
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Announcement under Regulation 30 (LODR)-Press Release / Media Release
16 May - ESAF Bank Q4/FY25 results: secured loans up 89%, gold loans doubled, loss ₹183cr due to provisions, CASA deposits +28%.
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Announcement under Regulation 30 (LODR)-Code of Conduct under SEBI (PIT) Regulations, 2015
16 May - ESAF Bank amends insider trading monitoring policy per SEBI regulations, effective May 16, 2025.
Concalls
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May 2025TranscriptNotesPPT
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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