	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	C 2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	C 2025 Mar 31	2026 Mar 31	TTM Jun 30

Period length: Source:	12M PR	12M PR	12M PR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M IR
Net Interest & Dividend Income	13	282	573	792	922	1,147	1,836	2,370	2,047	1,700	1,898
Non-Interest Revenue	-	-	-	-	-	-	-	-	79	85	-
Total Revenue	13	282	573	792	922	1,147	1,836	2,370	2,126	1,785	1,898
Total Operating Expenses	31	357	592	729	903	1,234	1,718	2,241	2,868	2,477	2,651
Operating Profit	-18	-75	-19	63	19	-87	118	129	-742	-692	-752
Operating Margin	-135.9	-26.5	-3.3	8.0	2.0	-7.6	6.4	5.4	-34.9	-38.8	-39.6
Profit before Taxes	1	27	90	190	105	55	406	570	-350	-104	112
Income Taxes	-	-	-	-	-	-	104	145	172	62	117
Profit after Tax	1	27	90	190	105	55	302	426	-521	-166	-5
PAT Margin	5.7	9.6	15.7	24.0	11.4	4.8	16.5	18.0	-24.5	-9.3	-0.3
EPS - Basic - ex Extraordinary Items	0.02	0.63	2.11	4.45	2.46	1.22	6.73	8.96	-10.13	-3.23	-0.10
EPS - Diluted - ex Extraordinary Items	0.02	0.63	2.11	4.45	2.46	1.22	6.71	8.94	-10.13	-3.23	-0.10
EBIT	-18	-75	-19	63	19	-87	118	129	-742	-692	-752
EBITDA	-18	-65	-2	87	47	-54	160	180	-683	-627	-752
EBITDA Margin	-132.6	-23.2	-0.3	10.9	5.1	-4.7	8.7	7.6	-32.1	-35.1	-39.6

Balance Sheet

Abridged

Understanding Balance Sheet

ESAF Small Finance Bank Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	PR	PR	PR	AR	AR	AR	AR	AR	AR	AR
Cash & ST Balance with Banks	556	698	781	903	1,819	1,512	767	1,423	1,979	1,175
Property Plant & Equipment - Net	33	69	90	120	139	159	188	208	300	516
Total Assets	2,938	4,725	7,058	9,470	12,339	17,708	20,224	26,087	27,178	30,868
Deposits - Total	409	2,523	4,317	7,028	8,999	12,815	14,666	19,868	23,276	25,850
Long Term Debt	2,053	1,675	1,702	1,203	1,694	2,953	3,354	3,223	1,406	1,423
Total Liabilities	2,632	4,382	6,165	8,386	10,987	16,296	18,509	23,595	25,229	29,081
Total Shareholders' Equity	306	343	894	1,084	1,352	1,412	1,715	2,492	1,949	1,787
Total Equity	306	343	894	1,084	1,352	1,412	1,715	2,492	1,949	1,787
Total Liabilities & Equity	2,938	4,725	7,058	9,470	12,339	17,708	20,224	26,087	27,178	30,868

Cash Flow

Abridged

Understanding Cash Flow Statement

ESAF Small Finance Bank Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M PR	12M PR	12M PR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR
Operating CF bef Changes in Working Cap	-6	71	207	271	321	500	963	1,028	789	787
Working Capital - Increase/(Decrease)	-1,266	509	-446	818	806	-1,085	-1,536	-28	2,388	-2,747
Net CF from Operating Activities	-1,273	580	-239	1,089	1,127	-585	-573	1,001	3,176	-1,960
Capital Expenditures - Net	33	45	38	53	49	54	71	71	152	282
Net CF from Investing Activities	-473	-181	-171	-635	-638	-982	-573	-583	-769	-192
Dividends Paid - Cash - Total	-	-	-	-	-	-	-	-	36	-
Stock - Issuance/(Retirement) - Net	305	11	464	-	163	-	-	391	1	0
Debt - LT & ST - Issuance/(Retirement) - Total	2,053	-378	28	-499	491	1,259	401	-132	-1,817	1,347
Net Cash Flow from Financing Activities	2,358	-368	488	-499	653	1,259	401	235	-1,852	1,347
Free Cash Flow to Equity	747	157	-250	537	1,569	621	-242	799	1,207	-895
Free Operating CF net dividend	-1,306	535	-277	1,035	1,078	-639	-645	930	2,988	-2,243
Free Operating CF	-1,306	535	-277	1,035	1,078	-639	-645	930	3,024	-2,243

Business Segment Analysis

FY End:

Mar 26

ESAF Small Finance Bank Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Revenue / Sales

Retail (84.2%)₹ 3,661.64 CrTreasury (9.3%)₹ 404.85 CrOther Banking opeations (4.1%)₹ 178.44 CrWholesale (2.4%)₹ 103.30 Cr

Assets

Retail (70.6%)₹ 21,784.49 CrTreasury (24.4%)₹ 7,543.46 CrWholesale (2.6%)₹ 792.76 CrUnallocated (2.4%)₹ 747.27 Cr

Regional Segment Analysis

ESAF Small Finance Bank Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

We don't have enough data to show regional segment analysis for ESAF Small Finance Bank Ltd.

Historical Segment Analysis

Track how ESAF Small Finance Bank Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Sales

Assets

Business

Regional

Business

We don't have enough data to show the Capex for ESAF Small Finance Bank Ltd..

Frequently Asked Questions

What is the revenue of ESAF Small Finance Bank Ltd.?

The latest trailing twelve month revenue of ESAF Small Finance Bank Ltd. is ₹ 1,898.21 Cr, reflecting a 1-year growth of 3.11% and a 3-year CAGR of -1.28%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of ESAF Small Finance Bank Ltd.?

The latest trailing twelve month net profit (PAT) of ESAF Small Finance Bank Ltd. is ₹ -5.10 Cr, with a 3-year earnings CAGR of -26.29%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of ESAF Small Finance Bank Ltd.?

The trailing twelve month EBITDA of ESAF Small Finance Bank Ltd. is approximately ₹ -752.34 Cr (based on an operating margin of -39.63%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of ESAF Small Finance Bank Ltd.?

The trailing twelve month Earnings Per Share (EPS) of ESAF Small Finance Bank Ltd. is -0.10. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of ESAF Small Finance Bank Ltd.?

The debt-to-equity ratio of ESAF Small Finance Bank Ltd. stands at 1.54. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of ESAF Small Finance Bank Ltd.?

The estimated book value per share of ESAF Small Finance Bank Ltd. is 34.62 (derived from a P/B ratio of 1.16 and market price of ₹ 40.27), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of ESAF Small Finance Bank Ltd.?

The trailing twelve month operating cash flow of ESAF Small Finance Bank Ltd. is ₹ -1,960.29 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does ESAF Small Finance Bank Ltd. report consolidated or standalone financials?

ESAF Small Finance Bank Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.