Experienced management team
It is promoted by K Paul Thomas who holds 6.94% stake in ESAF SFB as on March 31, 2023. He has over 34 years of industry experience, of which more than 25 years are in the MFI sector. He is supported by experienced management team having rich experience in the banking and financial services sector.
Strong Liability Franchise
Share of retail deposit is 92% & cost of borrowing is 6.20% as on 31 march 2023
Adequate Capitalisation
The Capital Adequacy Ratio (CRAR) stood at a healthy level of 20.56% as on Jun 30, 2023.
Strong Asset quality
Gross NPA and Net NPA stood at 1.65% and 0.81% respectively as on Jun 30, 2023.