EEsaf Small Finance Bank Limited
ISIN: INE818W08131
Key Highlights
Yield
Rating
Min. Invest
11.85%
A-
~₹ 99.12K
Interest
Principal
Maturity date
Seniority
Quarterly
At Maturity
17/07/2031
Subordinated
About the Company
ESAF Small Finance Bank Limited (ESAF SFB) is a public limited company headquartered in Thrissur, Kerala, India. Incorporated on May 5, 2016, it operates as a small finance bank licensed by the Reserve Bank of India (RBI License No. MUM:124). The bank focuses on providing banking services and small loans to underbanked and unbanked segments, particularly in rural and semi-urban areas. It offers a range of products including savings accounts, fixed deposits, microloans, retail loans (e.g., gold, vehicle, and housing loans), MSME loans, and digital banking services. As of September 2025, ESAF SFB has 788 branches, 718 ATMs, and 1,110 customer service centers across 24 states and 2 union territories, serving over 9 million customers with 11,594 employees. The bank emphasizes social banking, financial inclusion, and sustainability, with roots tracing back to ESAF Microfinance established in 1992
Key Management Personnel
Shri. Dr. Kadambelil Paul Thomas
Managing Director & CEO
Financials
Yearly
*All values are in cr
Company Updates
ESAF Small Finance Bank turns profitable in Q3 on improved asset quality
11 weeks ago
Net interest income declined 10.6% year-on-year to ₹433 crore, from ₹484 crore. On the asset quality front, gross non-performing assets (GNPA) improved to 5.65%, from 8.54% in the previous quarter, while net NPAs declined to 2.73% from 3.83% on a sequential basis. During the quarter ended December 31, 2025, the bank raised Tier II capital of ₹150 crore, taking the total Tier II capital raised during the nine months ended December 31, 2025, to ₹265 crore
Other disclosures
Esaf Small Finance Bank Limited
Yield 11.85%
Units
Inv. Amount
Exp. Returns
Payout Schedule
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