Cash Flow - ESAF Small Finance Bank Ltd.
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Registered Address
Registered & Corporate Office : Building No.VII/83/8, , ESAF Bhavan, Thrissur-Palakkad National Highway, Mannuthy,
Thrissur/Trichur, Kerala - 680651
Tel: 0487-7123456
Email : investor.relations@esafbank.com
Website : http://www.esafbank.com
Key Officials
Name Designation
Mr. Hari Velloor Executive Vice President
Mr. P Sivakumar Head - Internal Audit
Mr. Wilson Cyriac Chief Risk Officer
Listings
BSE , NSE ,  
Standalone
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Quarterly Results
Sep 25 Jun 25 Mar 25
Sales 819.82 828.23 893.44
Other Income 145.16 195.14 143.34
Gross Profit 93.25 124.92 90.66
Provisions Made 248.67 234.12 331.50
Depreciation 0.00 0.00 0.00
Taxation -39.61 -27.98 -57.65
Net Profit / Loss -115.81 -81.22 -183.19
Equity Capital 515.51 515.43 515.43
Balance Sheet
Mar 25 Mar 24 Mar 23
Share Capital 515.43 514.78 449.47
Reserve & Surplus 1,429.58 1,971.33 1,259.66
Deposits 23,276.44 19,867.80 14,665.63
Borrowings by Bank 1,405.73 3,222.53 3,354.20
Other Liability And Provision 547.07 504.76 488.83
Cash and Bank Balance 1,351.43 1,364.65 739.55
Net Block 237.12 204.94 187.69
Capital work in progress 63.30 2.61 0.24
Investment 5,995.26 5,541.02 4,888.53
Money at Call 627.68 58.28 27.50
Advances 18,027.87 18,293.11 13,924.33
Income Statement
  Mar25 Mar24 Mar23
Sales 3,862.22 3,818.43 2,853.66
Other Income 467.09 441.83 287.91
Operating Profit -633.72 621.41 447.83
Interest 1,810.69 1,448.73 1,017.32
Adjusted PBDIT -166.63 1,063.23 735.75
Depreciation 59.25 50.99 41.79
Adjusted PBT -1,475.97 419.96 206.29
Taxation -171.58 144.85 103.71
Net Profit / Loss -521.39 425.57 302.33
Key Ratios
  Mar25 Mar24 Mar23
NPM (%) -13.49 11.14 10.59
Capital Adequacy Ratio 21.84 23.27 19.83
Cost of Fund Ratio 7.33 6.27 5.64
Reported Return on Networth -26.80 17.11 17.68
Yield on Fund Advance 0.00 0.00 0.00
Registrar Details
MUFG Intime India Pvt. Ltd.
C 101, 247 Park, L.B.S. Marg, Vikhroli (West)
Mumbai,400083,Maharashtra
Tel : 022-49186270
Fax : 49186060
Market Performance
Exchange BSE NSE
Last Traded Price (Rs.) 26.94 26.91
Last Traded Date 28/11/2025 28/11/2025
Last Traded Time - -
Change (%) 1.66% 1.36%
Day's Open (Rs.) 26.70 26.90
Previous Close (Rs.) 26.50 26.55
Day's High (Rs.) 27.20 27.18
Day's Low (Rs.) 26.63 26.62
Volume (Rs. In Lacs) 0.83 62.54
Bid Price (Rs.) 0.00 0.00
Bid Quantity
Offer Price (Rs.) 0.00 0.00
Offer Quantity
Exchange Code 544020 ESAFSFBEQ
Exchange Group B OtherEQ
Board Meetings
Date Purpose
11/11/2025 Quarterly Results
03/11/2025 Others
20/09/2025 Others
Corporate News
ESAF Small Finance - General Updates
ESAF Small Finance - Receipt Of Communication From Promoter Company Regarding Revised Scheme Of Arrangement.\r\n
ESAF Small Finance - Analysts/Institutional Investor Meet/Con. Call Updates
ESAF Small Finance - Announcement under Regulation 30 (LODR)-Earnings Call Transcript
ESAF Small Finance - General Updates
Share Holding Pattern as on 30/09/2025
Major Holder No. of Shares Percentage (%)
Promoters 326,336,839 63.30
Institutional Investors 26,645,588 5.17
Other Investors 76,328,243 14.81
General Public 86,202,665 16.72