ESAF Small Finance Bank (NSE:ESAFSFB)
India · Delayed Price · Currency is INR 28.58
-0.69 (-2.36%)
At close: Jan 23, 2026
ESAF Small Finance Bank Income Statement
Financials in millions INR. Fiscal year is April - March.
Millions INR. Fiscal year is Apr - Mar.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2017 - 2020 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Mar '25 Mar 31, 2025 | Mar '24 Mar 31, 2024 | Mar '23 Mar 31, 2023 | Mar '22 Mar 31, 2022 | Mar '21 Mar 31, 2021 | 2017 - 2020 |
Interest Income on Loans | 35,030 | 38,622 | 38,185 | 28,536 | 19,399 | 16,412 | Upgrade |
Interest Paid on Deposits | 18,266 | 18,107 | 14,487 | 10,173 | 7,928 | 7,196 | Upgrade |
Net Interest Income | 16,660 | 20,515 | 23,698 | 18,363 | 11,471 | 9,216 | Upgrade |
Net Interest Income Growth (YoY) | -28.08% | -13.43% | 29.05% | 60.08% | 24.47% | 16.34% | Upgrade |
Gain (Loss) on Sale of Assets | 0.94 | 0.94 | 0.9 | -3.38 | 0.06 | -23.34 | Upgrade |
Gain (Loss) on Sale of Investments | 1,448 | 814.94 | 408.17 | -757.53 | 202.08 | 241.84 | Upgrade |
Other Non-Interest Income | 4,493 | 3,855 | 4,008 | 3,641 | 1,874 | 1,054 | Upgrade |
Total Non-Interest Income | 5,943 | 4,671 | 4,417 | 2,880 | 2,076 | 1,272 | Upgrade |
Non-Interest Income Growth (YoY) | 23.35% | 5.74% | 53.39% | 38.73% | 63.13% | -4.46% | Upgrade |
Revenues Before Loan Losses | 22,603 | 25,186 | 28,115 | 21,243 | 13,547 | 10,488 | Upgrade |
Provision for Loan Losses | 12,241 | 12,501 | 5,923 | 4,877 | 4,180 | 2,756 | Upgrade |
| 10,362 | 12,685 | 22,192 | 16,366 | 9,367 | 7,732 | Upgrade | |
Revenue Growth (YoY) | -46.18% | -42.84% | 35.60% | 74.71% | 21.14% | -2.25% | Upgrade |
Salaries and Employee Benefits | 7,069 | 6,561 | 3,632 | 2,769 | 2,273 | 1,878 | Upgrade |
Occupancy Expenses | 1,857 | 1,857 | 1,433 | 1,213 | 945.57 | 721.9 | Upgrade |
Selling, General & Administrative | 596.85 | 581.25 | 586.71 | 458.89 | 262.43 | 194.64 | Upgrade |
Other Non-Interest Expense | 9,258 | 10,576 | 10,839 | 7,854 | 5,099 | 3,524 | Upgrade |
Total Non-Interest Expense | 18,821 | 19,615 | 16,488 | 12,305 | 8,629 | 6,319 | Upgrade |
EBT Excluding Unusual Items | -8,458 | -6,930 | 5,704 | 4,060 | 738.5 | 1,414 | Upgrade |
Pretax Income | -7,878 | -6,930 | 5,704 | 4,060 | 738.5 | 1,414 | Upgrade |
Income Tax Expense | -1,967 | -1,716 | 1,449 | 1,037 | 191.18 | 359.78 | Upgrade |
Net Income | -5,911 | -5,214 | 4,256 | 3,023 | 547.32 | 1,054 | Upgrade |
Net Income to Common | -5,911 | -5,214 | 4,256 | 3,023 | 547.32 | 1,054 | Upgrade |
Net Income Growth | - | - | 40.76% | 452.39% | -48.07% | -44.64% | Upgrade |
Basic Shares Outstanding | 515 | 515 | 475 | 450 | 449 | 428 | Upgrade |
Diluted Shares Outstanding | 515 | 515 | 476 | 450 | 450 | 428 | Upgrade |
Shares Change (YoY) | 1.29% | 8.17% | 5.71% | 0.04% | 5.21% | 0.00% | Upgrade |
EPS (Basic) | -11.48 | -10.13 | 8.96 | 6.73 | 1.22 | 2.46 | Upgrade |
EPS (Diluted) | -11.48 | -10.13 | 8.94 | 6.71 | 1.22 | 2.46 | Upgrade |
EPS Growth | - | - | 33.23% | 451.04% | -50.50% | -44.72% | Upgrade |
Dividend Per Share | - | - | 0.700 | - | - | - | Upgrade |
Effective Tax Rate | - | - | 25.39% | 25.54% | 25.89% | 25.45% | Upgrade |
Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.