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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 | FY26 (₹ in cr) | FY25 (₹ in cr) | FY24 (₹ in cr) |
|---|---|---|---|
| NET WORTH | 1780 | 1945 | 2486.11 |
| REVENUE | 4348.23 | 4329.31 | 4260.25 |
| PAT | -166.40 | -521.39 | 425.57 |
| CAR% | 22.22 | 21.84 | 23.27 |
| GNPA% | 5.41 | 6.87 | 4.76 |
| NNPA% | 1.77 | 2.99 | 2.26 |
| GEARING (times) | 0.98 | 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
NA
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
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Headline
Published On
ESAF SMALL FINANCE BANK LIMITED has informed the Exchange regarding Copy of Newspaper Publication. Filed on 01-Aug-2026 15:39:47.
Announcements
01 Aug, 2026 03:39 PM
ESAF SMALL FINANCE BANK LIMITED has informed the Exchange regarding Copy of Newspaper Publication. Filed on 01-Aug-2026 15:38:59.
Announcements
01 Aug, 2026 03:38 PM
ESAF SMALL FINANCE BANK LIMITED has informed the Exchange regarding Press Release. Filed on 31-Jul-2026 17:39:30.
Announcements
31 Jul, 2026 05:39 PM
ESAF SMALL FINANCE BANK LIMITED has informed the Exchange regarding Press Release. Filed on 31-Jul-2026 17:38:44.
Announcements
31 Jul, 2026 05:38 PM
ESAF SMALL FINANCE BANK LIMITED has informed the Exchange regarding Updates. Filed on 31-Jul-2026 16:39:52.
Announcements
31 Jul, 2026 04:39 PM
Market News New
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Source:
Investors Presentation, Information Memorandum & Rating Rationale of ESAF Small Finance Bank Limited
