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ESAF Small Finance Bank is a leading small finance bank in India focused on financial inclusion by servicing the underserved segments through micro, retail, and corporate banking products.
In Q3 FY26, the bank reported a turnaround in profitability with a PAT of ₹7 crores, a significant improvement from prior losses, driven by robust operational performance and strategic focus on secured lending.
The bank's 'MARG' strategy has been pivotal in shifting portfolio focus from unsecured to secured lending, covering MSME, agri, retail, and gold loans, strengthening asset quality while reducing risk concentrations.
Operational efficiency improvements and strategic de-risking have led to a reduction in GNPA to 5.6%, while NNPA decreased to 2.7%, indicating successful risk management efforts.
ESAF is committed to using advanced technology platforms to enhance customer service through digital transformation, which is expected to streamline operations and improve service delivery in the near future.
Banks
Other Bank
1,835 Cr
Low Risk
-11.0
12.8
—
1.0
37.37
19.74
Sales CAGR
Profit CAGR
ROE
ROCE
Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.
ESAF Small Finance Bank Ltd (ESAFSFB) is currently trading at 35.62 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
ESAF Small Finance Bank is a leading small finance bank in India focused on financial inclusion by servicing the underserved segments through micro, retail, and corporate banking products. In Q3 FY26, the bank reported a turnaround in profitability with a PAT of ₹7 crores, a significant improvement from prior losses, driven by robust operational performance and strategic focus on secured lending. The bank's 'MARG' strategy has been pivotal in shifting portfolio focus from unsecured to secured lending, covering MSME, agri, retail, and gold loans, strengthening asset quality while reducing risk concentrations. Operational efficiency improvements and strategic de-risking have led to a reduction in GNPA to 5.6%, while NNPA decreased to 2.7%, indicating successful risk management efforts. ESAF is committed to using advanced technology platforms to enhance customer service through digital transformation, which is expected to streamline operations and improve service delivery in the near future.
Over the past 52 weeks, ESAF Small Finance Bank Ltd has traded between a low of ₹19.74 and a high of ₹37.37. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
ESAF Small Finance Bank Ltd has a market capitalization of approximately 1,835.42. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
ESAF Small Finance Bank Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of -11.03 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 1,835.42 Cr, ESAF Small Finance Bank Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
ESAF Small Finance Bank Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of ESAF Small Finance Bank Ltd is -11.03. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
The bank informed exchanges that its total business crossed Rs 50,000 crore on June 11, 2026 under a Regulation 30 SEBI LODR intimation.
The provided Q4 summary states results were announced on April 30, 2026, while a separate preview note mentions a May 8, 2026 board meeting for approval of audited results.
ESAF Small Finance Bank announced its Q4 FY26 results on April 30, 2026, as per the official NSE and BSE exchange filings.
The dataset states ESAF Small Finance Bank reported a net profit of Rs 7 crore in Q3 FY25-26 (results dated 30 January 2026).
Bearish
2
Neutral
7
Bullish
5
Bearish
9
Neutral
7
Bullish
30
Bearish
7
Neutral
0
Bullish
25
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
78.77 | 9,040 Cr | 87.69 | 1.48 | 0.00 | 1.68 | 5.83 | 0.18 | ||
545.35 | 5,834 Cr | 15.36 | 1.32 | 0.00 | 8.49 | 6.78 | 0.79 | ||
14.50 | 2,571 Cr | -2.23 | 0.93 | 0.00 | -41.47 | 1.37 | -4.16 | ||
194.90 | 1,925 Cr | 12.67 | 0.93 | 0.83 | 7.31 | 6.34 | 0.89 | ||
35.62 | 1,835 Cr | -11.03 | 1.03 | 0.00 | -9.31 | 5.21 | -0.60 | ||
167.50 | 1,428 Cr | 27.21 | 1.85 | 0.00 | 6.52 | 3.42 | 1.10 | ||
303.00 | 1,369 Cr | 9.68 | 0.94 | 1.66 | 9.68 | 6.39 | 1.23 | ||
| Median: 7 Co. | — | 167.50 | 1,925 Cr | 12.67 | 1.03 | 0.00 | 6.52 | 5.83 | 0.79 |
Board Meeting
ESAF Small Finance Bank will hold a Board meeting on 2026-07-31 to consider and approve unaudited standalone financial results for Q1 ended June 30, 2026. Trading window closed Jul 01–Aug 02, 2026.
AGM/EGM Notice
ESAF Small Finance Bank dispatched letters with links to the Annual Report FY2025-26 and notified the 10th AGM to be held on 2026-08-14 at 15:00 IST via VC/OAVM; annual report available on bank website.
AGM/EGM Notice
ESAF Small Finance Bank Ltd dispatched letters to shareholders without registered emails with the exact web link to the Annual Report FY 2025-26; Annual Report available online; 10th AGM on 2026-08-14 at 15:00 IST via VC/OAVM.
AGM/EGM Notice
Newspaper ads published July 21, 2026 for ESAF Small Finance Bank's 10th AGM scheduled on 2026-08-14 at 15:00 (IST) to be held via Video Conferencing/Other Audio-Visual Means; ads available on the bank website.
AGM/EGM Notice
ESAF Small Finance Bank published newspaper advertisements for its 10th AGM scheduled on 2026-08-14 at 15:00 (IST) to be held via Video Conferencing/Other Audio-Visual Means; ads published on July 21, 2026.
