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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
Financial Performance
| Particulars | 9M FY26 (₹ in cr) | H1 FY26 (₹ in cr) | FY25 (₹ in cr) |
|---|---|---|---|
| NET WORTH | 1755.99 | 1748.50 | 1945 |
| REVENUE | 3151.79 | 1988.35 | 4329.31 |
| PAT | (189.91) | (197.03) | (521.39) |
| CAR% | 22.68 | 22.43 | 21.84 |
| GNPA% | 5.64 | 8.54 | 6.87 |
| NNPA% | 2.73 | 3.83 | 2.99 |
| GEARING (times) | 0.46 | 0.66 | 0.56 |
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
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 submitted its Shareholding Pattern for the Quarter Ended 31-Mar-2026. Promoter & Promoter Group holding: 63.28%, Public holding: 36.72%. Filed on 21-Apr-2026 12:06:35.
Announcements
21 Apr, 2026 12:06 PM
ESAF SMALL FINANCE BANK LIMITED has informed the Exchange regarding Alteration Of Capital and Fund Raising-XBRL. Filed on 13-Apr-2026 14:47:02.
Announcements
13 Apr, 2026 02:47 PM
ESAF SMALL FINANCE BANK LIMITED has informed the Exchange regarding Updates. Filed on 13-Apr-2026 14:41:40.
Announcements
13 Apr, 2026 02:41 PM
ESAF SMALL FINANCE BANK LIMITED has informed the Exchange regarding Allotment of Securities. Filed on 13-Apr-2026 14:39:57.
Announcements
13 Apr, 2026 02:39 PM
ESAF SMALL FINANCE BANK LIMITED has informed the Exchange regarding Others. Filed on 06-Apr-2026 16:06:07.
Announcements
06 Apr, 2026 04:06 PM
Market News New
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Source:
Investors Presentation, Information Memorandum & Rating Rationale of ESAF Small Finance Bank Limited
