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Bearish
5
Neutral
4
Bullish
5
Bearish
36
Neutral
4
Bullish
6
Bearish
31
Neutral
0
Bullish
1
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 is a leading small finance bank in India focused on micro, retail, and corporate banking. The bank also provides para banking activities such as debit card and third-party financial product distribution.
The bank exhibits a strategic transition towards secured lending, with secured loans now making up 61% of the gross advances, reflecting a move from microfinance to safer, diversified lending portfolios.
Despite a decline in net interest income by 32.5% YoY and continued quarterly losses, the bank's gold loan portfolio has shown a strong performance, doubling over the past year and driving growth in secured assets.
The bank has an extensive outreach across India, with operations in 24 states and 2 UTs, and 788 banking outlets complemented by a vast network of agents and facilitators, emphasizing its commitment to financial inclusion.
The company is on a de-risking strategy, focusing on strengthening asset quality and reducing credit concentrations, with a target to achieve 70% secured portfolio by 2027.
Banks
Banks - Private Sector
1,352 Cr
Moderate Risk
—
19.0
—
0.8
43.00
24.35
Sales CAGR
1Y
1.15%
3Y
25.80%
5Y
22.27%
10Y
—
Profit CAGR
1Y
-222.52%
3Y
—
5Y
—
10Y
—
ROE
TTM
-33.71%
3Y
3.35%
5Y
4.11%
10Y
—
ROCE
TTM
3.83%
3Y
20.97%
5Y
20.15%
10Y
—
Market Cap
₹ 1,352 Cr
P/E
—
Performance
UNDER PERFORMER
Valuation
REASONABLE
Growth
STABLE
Profitability
LOW MARGIN
Technicals
Bearish
Risk
MODERATE RISK
| Symbol | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
424.70 | 4,516 Cr | 10.99 | 1.06 | 0.00 | 9.53 | 6.95 | 1.49 | |
14.94 | 2,669 Cr | — | 0.81 | 0.00 | -31.46 | 3.21 | 0.09 | |
261.55 | 2,175 Cr | 27.11 | 2.89 | 0.00 | 10.20 | 4.89 | 2.43 | |
137.90 | 1,441 Cr | 22.08 | 0.72 | 0.00 | 3.27 | 6.22 | 0.84 | |
26.22 | 1,352 Cr | — | 0.77 | 0.00 | -33.71 | 3.83 | -1.94 | |
261.50 | 1,192 Cr | 8.81 | 0.86 | 1.52 | 9.72 | 6.28 | 1.35 | |
25.04 | 988 Cr | 11.75 | 0.78 | 0.00 | 5.94 | 5.05 | 0.41 |
Voting Results
4 days ago
Outcome of Postal Ballot Results
The Postal Ballot resolutions regarding share capital increase and new director appointments were approved by members of ESAF Small Finance Bank on December 12, 2025.
Change in Directors
4 days ago
Change in Directorate Announcement
The company announced the retirement of several directors from its Board effective December 12, 2025, as per regulatory requirements.
Board Meeting Outcome
4 days ago
Board Meeting Outcome December 12, 2025
The Board of Directors of ESAF Small Finance Bank approved the sale of NPA and announced the retirement of several directors during their meeting on December 12, 2025.
