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“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹2,052 Cr on total income of ₹4,731 Cr.
Cost-to-income ratio at 75.6%. Provision coverage at 26.4% of income.
“Gross NPA declined to 5.6% and Net NPA to 2.7% while slippages reduced sharply to 219 crores from 555 crores in Q3 FY25”
“net interest margin improved to 6.”
“'27, we expect that, the loan growth will be somewhere around 25 percentage”
| KPI | Company | Sector Median |
|---|---|---|
| Net Margin | -11.0%▼ | 12.3% |
| NIM | 11.4%▼ | 390.0% |
| Cost To Income | 75.6% | - |
| Credit Deposit Ratio | 77.50x | 83.00x |
Historical valuation data not available.
Revenue segment breakdown not available.
| (₹ Cr) | FY2025 | FY2024 |
|---|---|---|
| Interest on Advances | ₹3,411 Cr -1.5% | ₹3,461 Cr |
| Income on Investments | ₹402 Cr +13.9% | ₹353 Cr |
| ₹467 Cr +5.7% | ₹442 Cr | |
| Total Income | ₹4,329 Cr +1.6% | ₹4,260 Cr |
| Interest Expended | ₹1,811 Cr +25.0% | ₹1,449 Cr |
| Employee Cost | ₹660 Cr +81.9% | ₹363 Cr |
| Other Operating Expenses | ₹1,243 Cr -3.3% | ₹1,286 Cr |
| Provisions & Contingencies | ₹1,250 Cr +111.1% | ₹592 Cr |
| Total Expenditure | ₹3,714 Cr +19.9% | ₹3,098 Cr |
| Profit Before Tax | (₹693 Cr) ↓ Decline | ₹570 Cr |
| Exceptional Items | (₹58 Cr) | ₹0.00 Cr |
| Tax | (₹172 Cr) ↓ Decline | ₹145 Cr |
| Net Profit | (₹521 Cr) ↓ Decline | ₹426 Cr |
| EPS | (₹10.12) | ₹8.27 |
| Diluted Shares | ₹52 Cr | ₹51 Cr |
| Non Performing Assets | ₹540 Cr +30.4% | ₹414 Cr |
| Gross Non Performing Assets | ₹1,291 Cr +44.5% | ₹893 Cr |
| Interest (RBI & Others) | ₹50 Cr | ₹4 Cr |
No related party data available for this company.
This section will be populated when data becomes available.
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ESAF Small Finance Bank Limited has informed the Exchange about Total Business of the Bank Crossing Rs. 50000 Crore.
ESAF Small Finance Bank Limited has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange Board of India (Substantial Acquisition of Shares and Takeovers...
ESAF Small Finance Bank Limited has informed the Exchange about change in Management
ESAF Small Finance Bank Limited has informed the Exchange regarding Change in Director(s) of the company.
ESAF Small Finance Bank Limited has informed the Exchange regarding Outcome of Board Meeting held on Jun 04, 2026.
ESAF Small Finance Bank Limited has informed the Exchange regarding allotment of Equity Shares under ESAF Employee Stock Option Scheme 2019
ESAF Small Finance Bank Limited has informed the Exchange regarding Outcome of Board Meeting held on April 30, 2026.
ESAF Small Finance Bank Limited has submitted to the Exchange, the Audited Standalone Financial Results for the Quarter and Financial Year ended March 31, 2026.
ESAF Small Finance Bank Limited has informed the Exchange regarding allotment of Equity Shares under ESAF Employee Stock Option Scheme 2019.
ESAF Small Finance Bank Limited has informed the Exchange about Transcript of the Earnings Conference Call held on February 2, 2026.
ESAF Small Finance Bank Limited has informed the Exchange regarding Allotment of Equity Shares under ESAF Employee Stock Option Scheme 2019.
ESAF Small Finance Bank Limited has informed the Exchange about Link of Recording of the Earnings Conference Call held on February 02, 2026.
ESAF Small Finance Bank Limited has informed the Exchange about Investor Presentation
ESAF Small Finance Bank Limited has informed the Exchange about Copy of Newspaper Publication on Unaudited Standalone Financial Results of the Bank for the Quarter and Nine Months ended December 31, 2...
ESAF Small Finance Bank Limited has informed the Exchange regarding a press release dated January 30, 2026, titled "Press Release on the Unaudited Standalone Financial Results for the Quarter and Nine...