ESAF Small Finance Bank (NSE:ESAFSFB)

ESAF Small Finance Bank Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	32,135	34,105	38,184	28,536	19,399	16,412
Interest Income on Investments	4,546	4,517	-	-	-	-
Total Interest Income	36,681	38,622	38,184	28,536	19,399	16,412
Interest Paid on Deposits	18,270	18,107	14,487	10,173	7,928	7,196
Net Interest Income	18,412	20,515	23,697	18,363	11,471	9,216
Net Interest Income Growth (YoY)	-22.40%	-13.43%	29.05%	60.08%	24.47%	16.34%
Gain (Loss) on Sale of Assets	-	-	0.9	-3.38	0.06	-23.34
Gain (Loss) on Sale of Investments	815	815	408.17	-757.53	202.08	241.84
Other Non-Interest Income	4,653	3,856	4,009	3,641	1,874	1,054
Total Non-Interest Income	5,468	4,671	4,418	2,880	2,076	1,272
Non-Interest Income Growth (YoY)	17.85%	5.72%	53.42%	38.73%	63.13%	-4.46%
Revenues Before Loan Losses	23,880	25,186	28,115	21,243	13,547	10,488
Provision for Loan Losses	13,151	12,501	5,923	4,877	4,180	2,756
Revenue	10,729	12,685	22,192	16,366	9,367	7,732
Revenue Growth (YoY)	-51.28%	-42.84%	35.60%	74.71%	21.14%	-2.25%
Salaries and Employee Benefits	7,431	6,561	3,632	2,769	2,273	1,878
Occupancy Expenses	-	-	1,433	1,213	945.57	721.9
Selling, General & Administrative	39.5	39.5	586.71	458.89	262.43	194.64
Other Non-Interest Expense	11,550	12,434	10,839	7,854	5,099	3,524
Total Non-Interest Expense	19,020	19,035	16,488	12,305	8,629	6,319
EBT Excluding Unusual Items	-8,291	-6,350	5,704	4,060	738.5	1,414
Other Unusual Items	-580	-580	-	-	-	-
Pretax Income	-8,871	-6,930	5,704	4,060	738.5	1,414
Income Tax Expense	-2,217	-1,716	1,449	1,037	191.18	359.78
Net Income	-6,654	-5,214	4,256	3,023	547.32	1,054
Net Income to Common	-6,654	-5,214	4,256	3,023	547.32	1,054
Net Income Growth	-	-	40.76%	452.39%	-48.07%	-44.64%
Basic Shares Outstanding	515	515	475	450	449	428
Diluted Shares Outstanding	515	515	476	450	450	428
Shares Change (YoY)	4.57%	8.15%	5.68%	0.04%	5.21%	0.00%
EPS (Basic)	-12.93	-10.13	8.96	6.73	1.22	2.46
EPS (Diluted)	-12.93	-10.13	8.94	6.71	1.22	2.46
EPS Growth	-	-	33.23%	451.04%	-50.50%	-44.72%
Dividend Per Share	-	-	0.700	-	-	-
Effective Tax Rate	-	-	25.39%	25.54%	25.89%	25.45%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.