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ESAF Small Finance Bank
ESAF Small Finance Bank (ESAF SFB) is a NSE & BSE listed, Kerala-based Small Finance Bank (SFB). The bank was reinforced by vision of Mr. K. Paul Thomas who is a part of the Kerala-based ESAF group, operating in microfinance space from 1995.
Sector Focus
Finance NBFC
Highest Credit Rating
A- (Negative) by CARE
Listing (Debt)
BSE
Date of NBFC License by RBI
2016
Business & Products
Lending- Micro Loans, Agri-Loans, Vehicle Loans, LAP & Housing Loans, Gold Loans, MSME & Personal Loans
Promoter
Mr. K. Paul Thomas
Key Management Personnel
Mr. Kadambelil Paul Thomas
MD & CEO
Mr. P R Ravi Mohan
Chairman
Mr. George K. John
Executive Director
Bonds issued by ESAF Small Finance Bank
Financial Performance
| Particulars | H1 FY26 (₹ in cr) | FY25 (₹ in cr) | FY24 (₹ in cr) |
|---|---|---|---|
| NET WORTH | 1748.50 | 1945 | 2486.11 |
| REVENUE | 1988.35 | 4329.31 | 4260.25 |
| PAT | (197.03) | (521.39) | 425.57 |
| CRAR% | 22.43 | 21.84 | 23.27 |
| GNPA% | 8.54 | 6.87 | 4.76 |
| NNPA% | 3.83 | 2.99 | 2.26 |
| GEARING (times) | 0.66 | 0.56 | 0.83 |
Credit Rating
| Credit Rating Agency | Rating | Rating Outlook | Date |
|---|---|---|---|
| CARE RATINGS LIMITED | A- | (Negative) | as on 2nd September, 2025 |
Top Lenders to ESAF Small Finance Bank
State Bank of India
IDFC FIRST Bank Limited
Indian Overseas Bank
IndusInd Bank Limited
Canara Bank
SIDBI
Bank of Maharashtra
Bank of Baroda
Strength
Established track record of the bank
Adequate capitalisation levels
Granular deposits
Weakness
Weak profitability
Deterioration in asset quality
Product and regional concentration
News & Announcement
Important Links
Source:
Investors Presentation, Information Memorandum & Rating Rationale of ESAF Small Finance Bank Limited
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India Bond Private Limited
CIN: U67100MH2008PTC178990
SEBI Registration No.: INZ000311637
NSE Member ID - Debt Segment: 90316
BSE Member ID - Debt Segment: 6811
CIN: U67100MH2008PTC178990
SEBI Registration No.: INZ000311637
NSE Member ID - Debt Segment: 90316
BSE Member ID - Debt Segment: 6811
Registered Address: 605, 6th Floor, Windsor, Off CST Road, Kalina, Santacruz - (East), Mumbai – 400 098.
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