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ESAF Small Fin

Part of MojoOne Strategy
  • Market Cap: Micro Cap
  • Industry: Other Bank
  • ISIN: INE818W01011
  • NSEID: ESAFSFB
  • BSEID: 544020
  • View on NSE | View on BSE
INR
27.34
0.35 (1.3%)
BSENSE

May 06

BSE+NSE Vol: 8.21 lacs

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stock-recommendationAnnual Results
Results Snapshot
Figures in Cr
Standalone Annual Results
Mar'26
Mar'25
Mar'24
Mar'23
Mar'22
Mar'21
Mar'18
Interest Earned
3,537.18
3,857.53
3,818.53
2,853.60
1,939.93
1,641.17
596.84
Income On Investments
410.60
402.04
352.95
312.04
188.31
0.00
0.00
Interest On Balances With Rbi Other Inter Bank Funds
9.54
49.68
4.16
9.57
24.91
0.00
0.00
Interest / Discount On Advances / Bills
3,117.04
3,405.81
3,461.42
2,531.99
1,726.71
0.00
0.00
Others
0.00
0.00
0.00
0.00
0.00
1,641.17
596.84
Other Income
811.05
471.77
441.72
287.97
207.58
127.25
101.86
Total Income
4,348.23
4,329.30
4,260.25
3,141.57
2,147.51
1,768.42
698.70
Interest Expended
1,837.44
1,810.68
1,448.73
1,017.32
792.79
719.58
314.82
Net Interest Income
1,699.74
2,046.85
2,369.80
1,836.28
1,147.14
921.59
282.02
Total Expenditure (Excl Depreciation)
1,798.82
1,903.51
1,648.83
1,230.54
862.87
631.86
304.48
Employee Cost
692.02
664.49
362.97
278.00
232.14
0.00
0.00
Other Operating Expenses
1,106.80
1,239.02
1,285.86
952.54
630.73
631.86
304.48
Operating Profit Before Provisions and Contingencies
711.97
615.11
1,162.69
893.71
491.85
416.98
79.40
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
940.37
1,250.08
592.28
487.67
418.00
275.61
52.41
Profit Before Tax
-228.40
-692.97
570.41
406.04
73.85
141.37
26.99
Tax
-62.00
-171.58
144.84
103.71
19.12
35.98
0.00
Profit After Tax
-166.40
-521.39
425.57
302.33
54.73
105.39
26.99
Extraordinary Items
0.00
-58.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
-166.40
-463.39
425.57
302.33
54.73
105.39
26.99
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
1,264.38
1,429.58
1,971.33
1,259.65
957.32
0.00
31.40
Earnings per share (EPS)
-3.23
-10.12
8.27
6.73
1.22
2.34
0.87
Diluted Earnings per share
-3.22
-10.12
8.94
6.71
1.22
2.46
0.89
Operating Profit Margin (Excl OI)
22.56%
16.74%
41.31%
39.79%
33.97%
44.71%
40.21%
Gross Profit Margin
-6.46%
-17.96%
14.94%
14.23%
3.81%
8.61%
4.52%
PAT Margin
-4.7%
-13.52%
11.14%
10.59%
2.82%
6.42%
4.52%
Net Interest Margin
0.0%
8.08%
11.15%
10.0%
0.0%
0.0%
0.0%
Return on Assets
-0.6%
0.0%
0.0%
0.0%
0.39%
0.0%
0.0%
CASA (%)
0.0%
24.8%
22.7%
22.7%
0.0%
0.0%
0.0%
CASA Amount
0.00
0.00
4,502.00
3,138.00
0.00
1,747.64
0.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
0.0%
18.64%
0.0%
16.92%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Provision Coverage Ratio (%)
0.0%
80.5%
65.2%
56.7%
0.0%
0.0%
0.0%
Amount of Gross NPAs
1,213.86
1,290.56
893.04
351.69
949.59
564.00
1.21
Amount of Net NPAs
382.44
539.64
413.79
157.89
455.96
316.58
0.85
% of Net NPAs
1.77%
2.99%
2.26%
1.13%
3.92%
3.88%
2.69%
% of Gross NPAs
5.41%
6.87%
4.76%
2.49%
7.83%
6.7%
3.79%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
0.0
693.0
614.0
528.0
0.0
0.0
0.0
Number of Branches
0.0
787.0
753.0
0.0
0.0
0.0
0.0
Annual Analysis Highlights
stock-summary

Interest Earned

YoY Growth in year ended Mar 2026 is -8.3% vs 1.02% in Mar 2025

stock-summary

Net Profit

YoY Growth in year ended Mar 2026 is 64.09% vs -208.89% in Mar 2025

stock-summary

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2026 is 15.75% vs -47.10% in Mar 2025

stock-summary

% of Net NPAs

YoY Growth in year ended Mar 2026 is -1.22% vs 0.73% in Mar 2025

stock-summary

% of Gross NPAs

YoY Growth in year ended Mar 2026 is -1.46% vs 2.11% in Mar 2025

Compare Annual Results Of ESAF Small Fin With
Markets Mojo
Figures in Cr
Standalone Annual Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
3,537.18
1,953.75
1,583.43
81.05%
Income On Investments
410.60
198.62
211.98
106.73%
Interest On Balances With Rbi Other Inter Bank Funds
9.54
24.30
-14.76
-60.74%
Interest / Discount On Advances / Bills
3,117.04
1,730.83
1,386.21
80.09%
Others
0.00
0.00
0.00
Other Income
811.05
217.25
593.80
273.33%
Total Income
4,348.23
2,171.00
2,177.23
100.29%
Interest Expended
1,837.44
847.61
989.83
116.78%
Net Interest Income
1,699.74
1,106.14
593.60
53.66%
Total Expenditure (Excl Depreciation)
1,798.82
934.19
864.63
92.55%
Employee Cost
692.02
444.23
247.79
55.78%
Other Operating Expenses
1,106.80
489.96
616.84
125.9%
Operating Profit Before Provisions and Contingencies
711.97
389.20
322.77
82.93%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
940.37
245.37
695.00
283.25%
Profit Before Tax
-228.40
143.83
-372.23
-258.8%
Tax
-62.00
28.86
-90.86
-314.83%
Profit After Tax
-166.40
114.97
-281.37
-244.73%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
-166.40
114.97
-281.37
-244.73%
Face Value
10.00
10.00
0.00
Reserves
1,264.38
1,820.81
-556.43
-30.56%
Earnings per share (EPS)
-3.23
10.82
-14.05
-129.85%
Diluted Earnings per share
-3.22
10.75
-13.97
-129.95%
Operating Profit Margin (Excl OI)
22.56%
39.63%
0.00
-17.07%
Gross Profit Margin
-6.46%
7.36%
0.00
-13.82%
PAT Margin
-4.70%
5.88%
0.00
-10.58%
Net Interest Margin
0.00%
9.00%
-9.00
-9.00%
Return on Assets
-0.60%
0.00%
-0.60
-0.60%
CASA (%)
0.00%
20.90%
-20.90
-20.90%
CASA Amount
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
0.00%
0.00%
0.00
0.00%
Capital Adequacy Ratio (Tier 1)
0.00%
0.00%
0.00
0.00%
Provision Coverage Ratio (%)
0.00%
37.70%
-37.70
-37.70%
Amount of Gross NPAs
1,213.86
733.84
480.02
65.41%
Amount of Net NPAs
382.44
457.02
-74.58
-16.32%
% of Net NPAs
1.77%
4.58%
-2.81
-2.81%
% of Gross NPAs
5.41%
7.16%
-1.75
-1.75%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
0.00
0.00
0.00
Number of Branches
0.00
710.00
-710.00
-100.0%
Annual - Interest Earned
Interest Earned 3537.18 Cr
in Mar 2026

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2026 is -8.3% vs 1.02% in Mar 2025

Annual - Net Profit
Net Profit -166.40 Cr
in Mar 2026

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2026 is 64.09% vs -208.89% in Mar 2025

Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 711.97 Cr
in Mar 2026

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2026 is 15.75% vs -47.10% in Mar 2025

Annual - % of Net NPAs
% of Net NPAs 1.77%
in Mar 2026

Figures in %
stock-summary

YoY Growth in year ended Mar 2026 is -1.22% vs 0.73% in Mar 2025

Annual - % of Gross NPAs
% of Gross NPAs 5.41%
in Mar 2026

Figures in %
stock-summary

YoY Growth in year ended Mar 2026 is -1.46% vs 2.11% in Mar 2025

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