Asian Paints

2402 45.00

Cipla

1311.6 -17.30

Eicher Motors

6985.5 96.00

Nestle India

1308.3 25.80

Grasim Inds

2774.6 37.00

Hindalco Inds.

930.5 22.30

Hind. Unilever

2357.3 6.60

ITC

314.7 5.25

Trent

3720.9 -8.10

Larsen & Toubro

3921.3 107.30

M & M

3463.2 99.40

Reliance Industr

1390.4 43.40

Tata Consumer

1125.4 38.10

Tata Motors PVeh

362.9 18.25

Tata Steel

188.51 3.13

Wipro

242.3 0.50

Apollo Hospitals

6933.5 -14.50

Dr Reddy's Labs

1182.5 3.80

Titan Company

3953.2 -32.10

SBI

1028.7 10.50

Shriram Finance

962.1 -35.50

Bharat Electron

439.1 13.75

Kotak Mah. Bank

408.2 0.95

Infosys

1629.4 -25.10

Bajaj Finance

903.7 1.35

Adani Enterp.

1995.4 52.60

Sun Pharma.Inds.

1627.9 17.80

JSW Steel

1199.2 7.70

HDFC Bank

928.1 6.00

TCS

3169.6 -17.30

ICICI Bank

1352.8 18.60

Power Grid Corpn

270.4 19.05

Maruti Suzuki

14384 185.00

Axis Bank

1311.5 -28.90

HCL Technologies

1676.8 10.60

O N G C

253.95 -0.35

NTPC

350.35 5.60

Coal India

423.5 3.95

Bharti Airtel

1965.4 16.40

Tech Mahindra

1724 6.70

Jio Financial

244.1 1.80

Adani Ports

1403.1 58.20

HDFC Life Insur.

717.5 2.20

SBI Life Insuran

2001 26.70

Max Healthcare

958.1 -18.60

UltraTech Cem.

12535 251.00

Bajaj Auto

9496.5 -3.00

Bajaj Finserv

1930.1 21.30

Interglobe Aviat

4687 97.50

Eternal

272.65 3.10

CORPORATE INFORMATION   
ESAF Small Finance Bank Ltd
Industry :  Banks - Private Sector
BSE Code
ISIN Demat
Book Value()
544020
INE818W01011
33.9138758
NSE Symbol
P/E(TTM)
Mar.Cap( Cr.)
ESAFSFB
0
1445.24
EPS(TTM)
Face Value()
Div & Yield %
0
10
0
Detailed Quotes
BSE NSE
Last Price() 28.03 arrowDown
Feb 02,2026 EOD
28.11 arrowDown
Feb 02,2026 EOD
Today's Change( ) -0.84 (-2.91%) arrowDown -0.80 (-2.77%) arrowDown
Open( ) 29.18 29.33
Prev Close( ) 28.87 28.91
Volume 38,611.00 403,106.00
Today's Range( ) 29.41 - 27.80 29.33 - 27.71
52-Week Range( ) 36.55 - 24.35 36.60 - 24.31
Buy (Size) N.A 28.11(×201)
Sell (Size) N.A N.A
Company Background
Incorporation Year 2016
Registered Office Bldg. # VII/83/8 ESAF Bhavan,Tri-Palakkad N.Hiway. Mannuthy,
Trissur,
Kerala-680651
Telephone +91 487 7123 907
Fax NA
Chairman Ravimohan Periyakavil Ramakrishnan
Managing Director K P Thomas
Company Secretary NA
Auditor Abarna & Ananthan/Kirtane & Pandit LLP
Face Value 10
Market Lot 1
Listing BSE,NSEBSE,NSE
Registrar MUFG Intime India Pvt Ltd
C-101 247 Park,L B S Marg,Vikhroli West,Mumbai-400083
Board of Directors
Independent DirectorK Thomas Jacob
Vinod Vijayalekshmi Vasudevan
Kolasserif Chandramohanan Raniani
Managing Director & Chief Executive OfficerK P Thomas
Part Time ChairmanRavimohan Periyakavil Ramakrishnan
Independent DirectorBIJU VARKKEY
Ajay Sharma
Balance Sheet
Particulars (Sources Of Funds)Mar 2025
( Cr)
Mar 2024
( Cr)
Mar 2023
( Cr)
Mar 2022
( Cr)
Mar 2021
( Cr)
Mar 2020
( Cr)
Capital 515.43514.78449.47449.47449.47427.80
Reserves Total 1433.621977.011265.53962.13902.59656.29
Equity Share Warrants0.000.000.000.000.000.00
Equity Application Money0.000.000.000.000.000.00
Deposits 23276.4419867.8014665.6212815.078999.437028.38
Borrowings 1405.733222.533354.202952.831694.001203.32
Other Liabilities & Provisions 547.07504.77488.86528.06293.16154.19
Other Liabilities0.000.000.000.000.000.00
Total Liabilities27178.2926086.8920223.6817707.5612338.659469.98
APPLICATION OF FUNDS :
Cash & Balances with RBI1351.421364.64739.551300.67428.07304.77
Balances with Banks & money at Call627.6858.2827.50211.241391.05598.02
Investments 5995.265541.024888.534070.301932.071733.63
Advances 18027.8718293.1113924.3311637.018167.596547.82
Fixed Assets 300.42207.55187.93159.48138.51120.11
Other Assets 875.62622.28455.85328.88281.36165.63
Miscellaneous Expenses not written off 0.000.000.000.000.000.00
Others0.000.000.000.000.000.00
Total Assets27178.2726086.8820223.6917707.5812338.659469.98
Contingent Liabilities198.592.191.902.051.501.50
Bills for collection0.000.000.000.000.000.00
Deferred Tax Liability0.000.000.000.000.000.00
Profit and Loss
Particulars(INCOME)Mar 2025
( Cr)
Mar 2024
( Cr)
Mar 2023
( Cr)
Mar 2022
( Cr)
Mar 2021
( Cr)
Mar 2020
( Cr)
Interest Earned 3862.223818.532853.601939.931641.171413.25
Other Income 467.09441.72287.97207.58127.25133.19
Total Income4329.314260.253141.572147.511768.421546.44
II. Expenditure
Interest expended 1810.691448.731017.32792.79719.58621.06
Payments to/Provisions for Employees660.08362.97278.00232.14187.78144.07
Operating Expenses & Administrative Expenses 213.49170.93140.48100.7673.9259.93
Depreciation 59.2550.9941.7932.7728.5723.17
Other Expenses, Provisions & Contingencies2278.771656.201257.95915.20617.18441.96
Provision for Tax 0.00153.0077.1248.5060.2671.35
Fringe Benefit tax0.000.000.000.000.000.00
Deferred Tax -171.58-8.1526.59-29.38-24.27-5.48
Total Expenditure4850.693834.682839.242092.781663.021356.06
III. Profit & Loss
Reported Net Profit-521.39425.57302.3354.73105.40190.39
Extraordinary Items 0.090.07-0.250.00-1.340.03
Adjusted Net Profit-521.48425.50302.5854.73106.74190.36
Prior Year Adjustments 0.000.000.000.000.000.00
Profit brought forward857.28542.02321.50306.24227.2088.00
IV. Appropriations
Transfer to Statutory Reserve0.00106.3975.5813.6826.3547.60
Transfer to Other Reserves 8.683.926.2225.800.003.59
Trans. to Government /Proposed Dividend 36.030.000.000.000.000.00
Balance carried forward to Balance Sheet291.18857.28542.02321.50306.24227.20
Equity Dividend %0.007.000.000.000.000.00
Dividend Per Share(Rs)0.000.700.000.000.000.00
Earnings Per Share-Unit Curr-10.128.276.731.222.344.45
Earnings Per Share(Adj)-Unit Curr-10.128.276.731.222.344.45
Book Value-Unit Curr37.8148.4138.1631.4130.0825.34
Book Value(Adj)-Unit Curr37.8148.4138.1631.4130.0825.34
Quarterly Results
 
Quarters
ParticularsDec 2025 ( Cr)Sep 2025 ( Cr)Jun 2025 ( Cr)
Gross Sales0.000.000.00
Other Operating Income0.000.000.00
Other Income 269.39145.16195.14
Total Income1163.44964.981023.37
Total Expenditure 692.59672.38682.21
PBIDT470.85292.60341.16
Interest 461.72448.02450.36
PBDT9.13-155.42-109.20
Depreciation0.000.000.00
Tax2.01-39.61-27.98
Fringe Benefit Tax0.000.000.00
Deferred Tax0.000.000.00
Reported Profit After Tax7.12-115.81-81.22
Extra-ordinary Items 0.000.000.00
Adjusted Profit After Extra-ordinary item7.12-115.81-81.22
EPS (Unit Curr.)0.14-2.25-1.58
EPS (Adj) (Unit Curr.)0.14-2.25-1.58
Calculated EPS (Unit Curr.)0.14-2.25-1.58
Calculated EPS (Adj) (Unit Curr.)0.14-2.25-1.58
Calculated EPS (Ann.) (Unit Curr.)0.55-8.99-6.30
Calculated EPS (Adj) (Ann.) (Unit Curr.)0.55-8.99-6.30
Book Value (Unit Curr.)0.000.000.00
Dividend (%)0.000.000.00
Equity515.57515.51515.43
Reserve & Surplus0.000.000.00
Face Value10.0010.0010.00
Public Shareholding (No. Of Shares)0.000.000.00
Public Shareholding (% in Equity)0.000.000.00
Pledged/Encumbered - No. of Shares0.000.000.00
Pledged/Encumbered - % in Total Promoters Holding0.000.000.00
Pledged/Encumbered - % in Total Equity0.000.000.00
Non Encumbered - No. of Shares0.000.000.00
Non Encumbered - % in Total Promoters Holding0.000.000.00
Non Encumbered - % in Total Equity0.000.000.00
PBIDTM(%)52.6635.6941.19
PBDTM(%)1.02-18.96-13.18
PATM(%)0.80-14.13-9.81
Financial Ratios
   ParticularsMar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Credit-Deposit(%)84.1993.2993.0290.7991.81
Investment / Deposit (%)26.7430.2032.6027.5222.87
Cash / Deposit (%)6.306.097.427.924.57
Interest Expended / Interest Earned (%)46.8837.9435.6540.8743.85
Other Income / Total Income (%)10.7910.379.179.677.20
Operating Expenses / Total Income (%)45.3138.7039.1739.7735.32
Interest Income / Total Funds (%)14.5016.4915.0512.9115.05
Interest Expended / Total Funds (%)6.806.265.365.286.60
Net Interest Income / Total Funds (%)7.7010.239.687.648.45
Non Interest Income / Total Funds (%)1.751.911.521.381.17
Operating Expenses / Total Funds (%)7.377.126.495.695.73
Profit before Provisions / Total Funds (%)2.095.024.713.273.82
Net Profit / Total funds (%)-1.961.841.590.360.97
RONW (%)-23.4820.2319.343.968.65
Share Price
Year High () Low () Close () P/E High P/E Low P/E Close Mkt Cap.( In Cr.)
Jan 2026 30.12 25.00 27.98 0.00 0.00 0.00 1,442.66
Share Prices Of 2025
Dec 2025 27.43 24.51 26.69 0.00 0.00 0.00 1,376.06
Nov 2025 28.39 25.80 26.94 0.00 0.00 0.00 1,388.92
Oct 2025 30.50 27.40 28.08 0.00 0.00 0.00 1,447.66
Sep 2025 30.85 28.36 29.01 0.00 0.00 0.00 1,495.50
Aug 2025 31.89 28.35 28.72 0.00 0.00 0.00 1,480.55
Jul 2025 36.13 30.45 31.14 0.00 0.00 0.00 1,605.17
Jun 2025 34.75 30.30 32.29 0.00 0.00 0.00 1,664.32
May 2025 31.76 26.40 31.06 0.00 0.00 0.00 1,600.92
Apr 2025 31.87 24.87 29.25 0.00 0.00 0.00 1,507.63
Mar 2025 30.76 24.35 24.53 0.00 0.00 0.00 1,264.34
Feb 2025 37.34 28.60 29.06 4.69 3.41 3.52 1,497.18
Jan 2025 43.00 35.89 37.06 5.23 4.29 4.49 1,908.98
Share Prices Of 2024
Dec 2024 42.25 37.65 42.04 5.14 4.52 5.09 2,165.40
Nov 2024 46.05 37.94 39.94 5.66 4.50 4.83 2,056.87
Oct 2024 48.09 42.05 44.43 6.23 5.01 5.38 2,287.84
Sep 2024 51.68 45.00 45.27 6.47 5.35 5.48 2,330.83
Aug 2024 53.10 49.30 50.94 6.55 5.90 6.16 2,622.29
Jul 2024 54.19 49.92 51.83 6.71 5.98 6.27 2,668.10
Jun 2024 57.11 49.37 53.92 7.00 5.68 6.52 2,775.69

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