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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. Karthikeyan Manickam
Chairman
Mr. George K. John
Executive Director
Bonds issued by ESAF Small Finance Bank
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Financial Performance
ParticularsFY26 (₹ in cr)FY25 (₹ in cr)FY24 (₹ in cr)
NET WORTH178019452486.11
REVENUE4348.234329.314260.25
PAT-166.40-521.39425.57
CAR%22.2221.8423.27
GNPA%5.416.874.76
NNPA%1.772.992.26
GEARING (times)0.980.560.83
Credit Rating
Credit Rating AgencyRatingRating OutlookDate
CARE RATINGS LIMITEDA-(Negative)as on 2nd September, 2025
Top Lenders to ESAF Small Finance Bank
NA
Strength
Established track record of the bank
Adequate capitalisation levels
Granular deposits
Weakness
Weak profitability
Deterioration in asset quality
Product and regional concentration
Market News
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Headline
Published On
ESAF SMALL FINANCE BANK LIMITED has informed the Exchange regarding Copy of Newspaper Publication. Filed on 30-Oct-2026 13:27:54.
Announcements
30 Oct, 2026 01:27 PM
ESAF SMALL FINANCE BANK LIMITED has informed the Exchange regarding Copy of Newspaper Publication. Filed on 30-Oct-2026 13:26:54.
Announcements
30 Oct, 2026 01:26 PM
ESAF SMALL FINANCE BANK LIMITED has informed the Exchange regarding Press Release. Filed on 29-Oct-2026 18:19:15.
Announcements
29 Oct, 2026 06:19 PM
ESAF SMALL FINANCE BANK LIMITED has informed the Exchange regarding Press Release. Filed on 29-Oct-2026 18:18:27.
Announcements
29 Oct, 2026 06:18 PM
ESAF SMALL FINANCE BANK LIMITED has informed the Exchange regarding Updates. Filed on 29-Oct-2026 13:59:51.
Announcements
29 Oct, 2026 01:59 PM
Market News New
>
Announcements
•
30 Oct, 2026 01:27 PM
ESAF SMALL FINANCE BANK LIMITED has informed the Exchange regarding Copy of Newspaper Publication. Filed on 30-Oct-2026 13:27:54.
Announcements
•
30 Oct, 2026 01:26 PM
ESAF SMALL FINANCE BANK LIMITED has informed the Exchange regarding Copy of Newspaper Publication. Filed on 30-Oct-2026 13:26:54.
Announcements
•
29 Oct, 2026 06:19 PM
ESAF SMALL FINANCE BANK LIMITED has informed the Exchange regarding Press Release. Filed on 29-Oct-2026 18:19:15.
Announcements
•
29 Oct, 2026 06:18 PM
ESAF SMALL FINANCE BANK LIMITED has informed the Exchange regarding Press Release. Filed on 29-Oct-2026 18:18:27.
Announcements
•
29 Oct, 2026 01:59 PM
ESAF SMALL FINANCE BANK LIMITED has informed the Exchange regarding Updates. Filed on 29-Oct-2026 13:59:51.
Source:
Investors Presentation, Information Memorandum & Rating Rationale of ESAF Small Finance Bank Limited
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© 2026 India Bond Pvt Ltd.
India Bond Private Limited
CIN: U67100MH2008PTC178990 |
SEBI Registration No.(Stock Broker): INZ000311637 |
NSE Member ID - Debt Segment: 90316 |
BSE Member ID - Debt Segment: 6811 |
SEBI Registration No.(DP):
IN-DP-855-2026 |
NSDL DP ID: IN305103
Registered Address: 605, 6th Floor, Windsor, Off CST Road, Kalina, Santacruz - (East), Mumbai – 400 098.

*Numbers as on specific date.

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