42.43
+0.93%
Close of 9 Nov 2026, in INR
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About ESAF Small Finance Bank Limited
Its shares trade on NSE under the ticker ESAFSFB.NS. It has been listed since 10 November 2023. In the fiscal year to 31 March 2025, it reported revenue before interest expense of ₹43.29bn and a net loss of ₹5.21bn. At that date it held total assets of ₹271.78bn and shareholders' equity of ₹19.49bn.
ESAF Small Finance Bank Limited is a IN-based company operating in Banks industry. The company is headquartered in Thrichur, Kerala. The company went IPO on 2023-11-10. ESAF Small Finance Bank Limited is a small finance bank with a focus on unbanked and under-banked customer segments, especially in rural and semi-urban centers. Its segments include treasury, wholesale banking, retail banking, and other banking operations. treasury. The treasury segment primarily consists of interest earnings on its investment’s portfolio, gains or losses on investment operations and earnings from its foreign exchange business. The wholesale banking segment provides loans to the corporate segment. The retail banking segment provides loans to non-corporate customers. The other banking operations segment includes para banking activities, such as debit cards, third-party product distribution and associated costs. Its advances comprise include micro loans, which comprises microfinance loans and other micro loans; retail loans, which includes gold loans, mortgages, personal loans, and vehicle loans; loans to financial institutions, and agricultural loans.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 10 Nov 2023
- Website
- esafbank.com ↗
Leadership
Pay as last reported
- Mr. Gireesh Chandrathil Parameswaran NairChief Financial Officer
- Mr. Paul KadambelilManaging Director
- George JohnWhole-Time Director, since 2024
- Ranjith Raj Parameswaran NambisanCompany Secretary
- Assan AkbarDirector
- Alex GeorgeDirector
- Mr. George JosephDirector
- Mohan PappachanNominee Director
- Biju VarkkeyDirector
- Vinod VasudevanDirector
- Ms. Kolasseril RanjaniNon-Executive Independent Director
- Shri. Ajay SharmaNon-Executive Independent Director
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 0
- Environment
- 0
- Social
- 0
- Governance
- 0
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- ESAF Small Finance Bank focuses on unbanked rural and semi-urban segments with micro loans and agricultural loans.
- The treasury segment generates interest earnings from investment portfolios and foreign exchange operations.
- Retail banking offers diverse products like gold loans, mortgages, and vehicle loans to non-corporate customers.
Weaknesses
- The company's IPO listing date is 10 November 2023, indicating recent market entry.
- The headquarters city Thrichur, Kerala, may limit broader market reach compared to larger cities.
- The focus on micro loans and agricultural loans could lead to higher risk exposure in volatile sectors.
Opportunities
- Expanding retail banking segments to include more non-corporate customer products like personal loans.
- Growing demand for treasury services in the Indian financial sector with investment portfolios.
- Increasing agricultural loans to support rural economic development in Kerala.
Threats
- Competition from established banks in the Indian Financials sector targeting similar segments.
- Economic downturns affecting rural and semi-urban customer segments' repayment capabilities.
- Regulatory changes in the Indian banking industry impacting microfinance operations.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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