ESAF SMALL FINANCE BANK L (ESAFSFB) financials

ESAF SMALL FINANCE BANK L (ESAFSFB) NSE/BSE financials on Fincrux: quarterly results, profit and loss, cash flow, balance sheet, ratios, and shareholding.

Incorporated in 1992, ESAF Small FinanceBank provides micro, retail and corporate banking, para banking activities such asdebit card, third party financial product distribution, in addition to treasury andpermitted foreign exchange business[1]

Market Cap: ₹2,285Cr.
Current Price: ₹44.3
ROE: -8.86%
ROCE: 5.65%
Book Value: ₹34.6
Dividend Yield: 0.00%
52W High / Low: ₹46.0/19.7

In Jun 2026, ESAF SMALL FINANCE BANK L (ESAFSFB) reported sales ₹1,098 Cr and net profit ₹80 Cr.

Annual TTM: sales ₹3,807 Cr, net profit ₹-5 Cr.

Shareholding: Promoters 63.23% (Sep 2026), FIIs 0.19% (Sep 2026), DIIs 3.59% (Sep 2026), Public 33.00% (Sep 2026), No. of Shareholders 1,04,828% (Sep 2026).

ESAFSFB quarterly results (₹ Cr.)
Category	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	995	948	892	828	820	894	995	1,098
Interest	456	463	458	450	448	462	477	514
Expenses	834	881	820	682	672	693	692	725
Financing Profit	-294	-396	-386	-304	-301	-260	-174	-141
Financing Margin %	-30%	-42%	-43%	-37%	-37%	-29%	-18%	-13%
Other Income	40	114	145	195	145	269	201	248
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	-255	-282	-241	-109	-155	9	27	107
Tax %	-25%	-25%	-24%	-26%	-25%	22%	13%	25%
Net Profit	-190	-211	-183	-81	-116	7	24	80
EPS in Rs	-3.69	-4.09	-3.55	-1.58	-2.25	0.14	0.46	1.55
Gross NPA %	6.98%	6.96%	6.87%	7.48%	8.54%	5.64%	5.41%	5.40%
Net NPA %	2.98%	2.97%	2.99%	3.77%	3.83%	2.73%	1.77%	0.83%
Raw PDF	—	—	—	—	—	—	—	—

ESAFSFB profit and loss (₹ Cr.)
Category	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	1,413	1,641	1,940	2,854	3,819	3,858	3,537	3,807
Interest	621	720	793	1,017	1,449	1,811	1,837	1,901
Expenses	646	879	1,248	1,676	2,190	3,152	2,674	2,782
Financing Profit	146	43	-101	160	180	-1,105	-974	-876
Financing Margin %	10%	3%	-5%	6%	5%	-29%	-28%	-23%
Other Income	133	127	208	288	442	472	811	864
Depreciation	23	29	33	42	51	59	65	0
Profit before tax	256	141	74	406	570	-693	-228	-12
Tax %	26%	25%	26%	26%	25%	-25%	-27%	—
Net Profit	190	105	55	302	426	-521	-166	-5
EPS in Rs	4.45	2.34	1.22	6.73	8.27	-10.12	-3.23	-0.10
Dividend Payout %	0%	0%	0%	0%	8%	0%	0%	—

ESAFSFB balance sheet (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	428	428	449	449	449	515	515	516
Reserves	466	656	903	962	1,266	1,977	1,434	1,271
Deposits	4,317	7,028	8,999	12,815	14,666	19,868	23,276	25,850
Borrowing	1,702	1,203	1,694	2,953	3,354	3,223	1,406	2,753
Other Liabilities	145	154	293	528	489	505	547	479
Total Liabilities	7,058	9,470	12,339	17,708	20,224	26,087	27,178	30,868
Fixed Assets	86	116	133	159	188	205	237	226
CWIP	4	4	6	0	0	3	63	290
Investments	1,531	1,734	1,932	4,070	4,889	5,541	5,995	6,399
Other Assets	5,438	7,616	10,268	13,478	15,147	20,338	20,883	23,953
Total Assets	7,058	9,470	12,339	17,708	20,224	26,087	27,178	30,868

ESAFSFB cash flows (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity	-239	1,089	1,127	-584	-571	1,001	3,176	-1,960
Cash from Investing Activity	-171	-635	-638	-982	-573	-583	-769	-192
Cash from Financing Activity	488	-499	653	1,259	399	235	-1,852	1,347
Net Cash Flow	78	-45	1,143	-308	-745	654	556	-805
Free Cash Flow	-277	1,036	1,078	-638	-641	930	3,024	-2,242

ESAFSFB shareholding pattern (%)
Category	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Promoters	63.36%	63.31%	63.31%	63.30%	63.29%	63.28%	63.25%	63.23%
FIIs	0.16%	0.27%	0.16%	0.16%	0.01%	0.01%	0.31%	0.19%
DIIs	5.02%	5.00%	5.00%	5.00%	4.97%	4.63%	3.80%	3.59%
Public	31.45%	31.41%	31.51%	31.53%	31.74%	32.08%	32.63%	33.00%
No. of Shareholders	1,18,512	1,16,912	1,16,490	1,13,955	1,11,691	1,09,246	1,07,631	1,04,828

ESAFSFB key ratios
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	15%	19%	9%	4%	19%	20%	-23%	-9%

ESAFSFBUpdated 18 Oct 2026, 20:53

Esaf Small Finance Bank L

ESAFSFBUpdated 18 Oct 2026, 20:53

Market Cap

₹2,285Cr.

Current Price

₹44.3

High / Low

₹46.0/19.7

ROE-8.86%

ROCE5.65%

Book Value₹34.6

Face Value₹10.0

Dividend Yield0.00%

About

Quarterly results

Last reported quarters₹ Cr.

Quarter	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Profit Before Tax	Tax	Net Profit	EPS (₹)	Gross NPA	Net NPA
Jun 2023	899	313	505	81	9	93	174	25	130	2.89	1.65	0.81
Sep 2023	943	347	487	109	12	79	188	26	140	3.12	2.64	1.19
Dec 2023	974	377	567	30	3	120	150	25	112	2.18	4.16	2.19
Mar 2024	1002	411	682	-91	-9	150	59	26	43	0.84	4.76	2.26
Jun 2024	1022	434	619	-30	-3	115	85	26	63	1.22	6.61	3.22
Sep 2024	995	456	834	-294	-30	40	-255	-25	-190	-3.69	6.98	2.98
Dec 2024	948	463	881	-396	-42	114	-282	-25	-211	-4.09	6.96	2.97
Mar 2025	892	458	820	-386	-43	145	-241	-24	-183	-3.55	6.87	2.99
Jun 2025	828	450	682	-304	-37	195	-109	-26	-81	-1.58	7.48	3.77
Sep 2025	820	448	672	-301	-37	145	-155	-25	-116	-2.25	8.54	3.83
Dec 2025	894	462	693	-260	-29	269	9	22	7	0.14	5.64	2.73
Mar 2026	995	477	692	-174	-18	201	27	13	24	0.46	5.41	1.77
Jun 2026	1098	514	725	-141	-13	248	107	25	80	1.55	5.4	0.83

Profit & loss

Annual statement₹ Cr.

Year	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Depreciation	Profit Before Tax	Tax	Net Profit	EPS (₹)
Mar 2017	29	16	31	-18	-61	19	0	1	0	1	0.03
Mar 2018	597	315	357	-75	-13	102	0	27	0	27	0.87
Mar 2019	1032	458	538	35	3	109	17	127	29	90	2.11
Mar 2020	1413	621	646	146	10	133	23	256	26	190	4.45
Mar 2021	1641	720	879	43	3	127	29	141	25	105	2.34
Mar 2022	1940	793	1248	-101	-5	208	33	74	26	55	1.22
Mar 2023	2854	1017	1676	160	6	288	42	406	26	302	6.73
Mar 2024	3819	1449	2190	180	5	442	51	570	25	426	8.27
Mar 2025	3858	1811	3152	-1105	-29	472	59	-693	-25	-521	-10.12
Mar 2026	3537	1837	2674	-974	-28	811	65	-228	-27	-166	-3.23
TTM	3807	1901	2782	-876	-23	864	0	-12	—	-5	-0.1

Shareholding pattern

As of Sep 2026%

Holder	Share
Promoters	63.23%
FIIs	0.19%
DIIs	3.59%
Public	33%

Shareholding trend

Ownership over time%

Quarter	Promoters	FIIs	DIIs	Public
Dec 2023	63.39%	1.16%	10.98%	24.48%
Mar 2024	63.39%	0.81%	10.26%	25.53%
Jun 2024	63.39%	0.12%	8.9%	27.57%
Sep 2024	63.38%	0.15%	5.56%	30.92%
Dec 2024	63.36%	0.16%	5.02%	31.45%
Mar 2025	63.31%	0.27%	5%	31.41%
Jun 2025	63.31%	0.16%	5%	31.51%
Sep 2025	63.3%	0.16%	5%	31.53%
Dec 2025	63.29%	0.01%	4.97%	31.74%
Mar 2026	63.28%	0.01%	4.63%	32.08%
Jun 2026	63.25%	0.31%	3.8%	32.63%
Sep 2026	63.23%	0.19%	3.59%	33%

Balance sheet

Assets & liabilities₹ Cr.

Period	Equity Capital	Reserves	Other Liabilities	Total Liabilities	Fixed Assets	CWIP	Investments	Other Assets	Total Assets
Mar 2017	302	4	227	2994	33	0	579	2382	2994
Mar 2018	312	31	183	4724	69	0	732	3924	4724
Mar 2019	428	466	145	7058	86	4	1531	5438	7058
Mar 2020	428	656	154	9470	116	4	1734	7616	9470
Mar 2021	449	903	293	12339	133	6	1932	10268	12339
Mar 2022	449	962	528	17708	159	0	4070	13478	17708
Mar 2023	449	1266	489	20224	188	0	4889	15147	20224
Mar 2024	515	1977	505	26087	205	3	5541	20338	26087
Mar 2025	515	1434	547	27178	237	63	5995	20883	27178
Mar 2026	516	1271	479	30868	226	290	6399	23953	30868

Cash flows

Operating, investing & financing₹ Cr.

Period	Operating	Investing	Financing	Net cash flow
Mar 2017	—	—	—	—
Mar 2018	—	—	—	—
Mar 2019	-239	-171	488	78
Mar 2020	1089	-635	-499	-45
Mar 2021	1127	-638	653	1143
Mar 2022	-584	-982	1259	-308
Mar 2023	-571	-573	399	-745
Mar 2024	1001	-583	235	654
Mar 2025	3176	-769	-1852	556
Mar 2026	-1960	-192	1347	-805

Key ratios

Historical financial ratios

Category	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	0%	8%	15%	19%	9%	4%	19%	20%	-23%	-9%

Frequently asked questions

Quick answers about this company's financials on Fincrux

What is the market cap of ESAF SMALL FINANCE BANK L (ESAFSFB)?

The reported market capitalisation for ESAF SMALL FINANCE BANK L (ESAFSFB) is ₹2,285Cr. on Fincrux. Figures may update with market data and filings.

What is the current share price of ESAFSFB?

The current price shown for ESAF SMALL FINANCE BANK L (ESAFSFB) on Fincrux is ₹44.3 with a 52-week high/low of ₹46.0/19.7.

What were ESAFSFB latest quarterly results?

For Jun 2026, ESAF SMALL FINANCE BANK L (ESAFSFB) reported sales ₹1,098 Cr and net profit ₹80 Cr (figures in ₹ crore unless noted).

What are ESAFSFB annual sales and net profit?

For TTM, ESAF SMALL FINANCE BANK L (ESAFSFB) shows sales of ₹3,807 Cr and net profit of ₹-5 Cr on the Fincrux profit & loss statement.

Who owns ESAF SMALL FINANCE BANK L (ESAFSFB)?

Latest shareholding for ESAF SMALL FINANCE BANK L (ESAFSFB) on Fincrux: Promoters 63.23% (Sep 2026), FIIs 0.19% (Sep 2026), DIIs 3.59% (Sep 2026), Public 33.00% (Sep 2026), No. of Shareholders 1,04,828% (Sep 2026).

Where can I find ESAF SMALL FINANCE BANK L (ESAFSFB) financials?

ESAF SMALL FINANCE BANK L (ESAFSFB) financials on Fincrux include quarterly results, profit and loss, cash flow, balance sheet, key ratios, and shareholding patterns for NSE/BSE research.

Does Fincrux show ESAFSFB balance sheet and cash flow?

Yes. The ESAF SMALL FINANCE BANK L (ESAFSFB) page on Fincrux includes balance sheet, cash flow statements, historical ratios, and ownership trends alongside quarterly and annual results.

Figures in ₹ crore unless noted. Data sourced for research and may lag filings.

Last updated 18 October 2026 at 20:53