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 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Interest Income on Loans	38,090	35,372	38,575	38,185	28,536	19,399
Interest Paid on Deposits	19,008	18,374	18,107	14,487	10,173	7,928
Net Interest Income	19,059	16,997	20,468	23,698	18,363	11,471
Net Interest Income Growth	3.52%	-16.96%	-13.63%	29.05%	60.08%	24.47%
Gain (Loss) on Sale of Assets	-8.61	-8.61	0.94	0.9	-3.38	0.06
Gain (Loss) on Sale of Investments	-173.84	-173.84	814.94	408.17	-757.53	202.08
Other Non-Interest Income	8,824	8,293	3,902	4,008	3,641	1,874
Total Non-Interest Income	8,642	8,111	4,718	4,417	2,880	2,076
Non-Interest Income Growth	58.03%	71.92%	6.80%	53.39%	38.73%	63.13%
Revenues Before Loan Losses	27,701	25,108	25,186	28,115	21,243	13,547
Provision for Loan Losses	9,482	9,404	12,501	5,923	4,877	4,180
Revenue	18,219	15,704	12,685	22,192	16,366	9,367
Revenue Growth	69.81%	23.80%	-42.84%	35.60%	74.71%	21.14%
Salaries and Employee Benefits	6,777	6,885	6,605	3,632	2,769	2,273
Occupancy Expenses	2,038	2,038	1,857	1,433	1,213	945.57
Selling, General & Administrative	538.17	538.17	581.25	586.71	458.89	262.43
Other Non-Interest Expense	8,952	8,492	10,532	10,839	7,854	5,099
Total Non-Interest Expense	18,341	17,988	19,615	16,488	12,305	8,629
EBT Excluding Unusual Items	-121.82	-2,284	-6,930	5,704	4,060	738.5
Pretax Income	-121.82	-2,284	-6,930	5,704	4,060	738.5
Income Tax Expense	-70.8	-620	-1,716	1,449	1,037	191.18
Net Income	-51.02	-1,664	-5,214	4,256	3,023	547.32
Net Income to Common	-51.02	-1,664	-5,214	4,256	3,023	547.32
Net Income Growth	-	-	-	40.76%	452.39%	-48.07%
Basic Shares Outstanding	516	516	515	475	450	449
Diluted Shares Outstanding	516	516	515	476	450	450
Shares Change	0.30%	0.12%	8.17%	5.71%	0.04%	5.21%
EPS (Basic)	-0.10	-3.23	-10.13	8.96	6.73	1.22
EPS (Diluted)	-0.10	-3.23	-10.13	8.94	6.71	1.22
EPS Growth	-	-	-	33.23%	451.04%	-50.50%

Additional Metrics

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Dividend Per Share	-	-	-	0.700	-	-
Dividend Growth	-	-	-	-	-	-
Effective Tax Rate	-	-	-	25.39%	25.54%	25.89%

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 2, 2026

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