ESAF Small Finance Bank share price
NSE: ESAFSFBBSE: 544020BanksSmall Cap
ESAF Small Finance Bank Limited · Face value ₹10 Face value. The nominal value of one share as the company issued it, the unit its share capital is counted in and a dividend can be stated as a percentage of; it has no link to the share price. Face value in the glossary · Listed Nov 2023
Last close ₹42.46down ₹0.48 (1.12%)BSE ₹42.43
Share price at the NSE close on 30 Oct 2026. Previous close ₹42.94.
30 Oct: open ₹44.70, high ₹45.08, low ₹42.26
52-week range of traded prices to 30 Oct 2026
₹19.78Low, 30 Mar 2026₹46.00High, 30 Sep 2026
- Delivery only: shares bought must be paid for in full, with no selling on the same day.
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies. Market capitalisation: how it is worked out
- ₹2,191 Cr1,321st largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. Price to earnings, trailing: how it is worked out
- 8.09
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. Price to book: how it is worked out
- 1.08
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- Nonein the last 12 months
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it.
- 14.4%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Net interest margin in the glossary
- 9.53%
- Gross NPAGross NPA, non-performing loans. Gross non-performing loans as a percentage of all loans, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where the filing's own amounts show it written on another scale or rounded to the whole per cent, where it is 0 for a bank that lends, or where it is below the net share. At the end of Sep 2026.
- 2.84%
- Net NPANet NPA, non-performing loans. Net non-performing loans as a percentage of loans, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where the filing's own amounts show it written on another scale or rounded to the whole per cent, where it is 0 for a bank that lends, or where it is above the gross share. At the end of Sep 2026.
- 0.34%
- CET1Common equity tier 1 ratio. The bank's core capital, mostly shareholders' money, as a percentage of its loans and other assets weighted by risk, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, or where the figure is outside what it can be. At the end of Sep 2026. Common equity tier 1 ratio in the glossary
- 16.53%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026. Return on assets in the glossary
- −0.57%
- Volume, NSEVolume. Shares traded on the last trading day. Volume in the glossary
- 10,86,144
Results
Standalone; ₹ crore. Total income is interest earned plus other income, fees and treasury gains among it.ESAF Small Finance Bank quarterly results
- Total income growth, 12 monthsTotal income growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +24.6%
- Net profit growth, 12 monthsNet profit growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- –
Quarter to Sep 2026, against the quarter before
- Total incomeTotal income. The pill is the change in total income against the quarter before: this period's figure divided by that one's, less one, in per cent. Total income in the glossary
- ₹1,388 Crup 3.12%
- Net profitNet profit. The pill is the change in net profit against the quarter before: this period's figure divided by that one's, less one, in per cent. Net profit in the glossary
- ₹160 Crup 100.02%
Total income by quarter
Peak total income ₹1,388 Cr, quarter to Sep 2026; lowest ₹965 Cr, quarter to Sep 2025
Net profit by quarter, a loss in red
- Net profit
- Loss
A loss in 4 of the 8 quarters shown
| ₹ crore | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 1,062 | 1,037 | 1,023 | 965 | 1,163 | 1,196 | 1,346 | 1,388 |
| Net profit | −211 | −183 | −81 | −116 | 7 | 24 | 80 | 160 |
Standalone. The last eight quarters. The latest is shaded.
Year to Mar 2026, against the year before
- Total incomeTotal income. The pill is the change in total income against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹4,348 Crup 0.44%
- Net profitNet profit. Under it, net profit in the year before. A change in per cent is not worked out where either period is a loss or nothing.
- −₹166 CrYear to Mar 2025: −₹521 Cr
Total income by year
Peak total income ₹4,348 Cr, year to Mar 2026; lowest ₹4,260 Cr, year to Mar 2024
Net profit by year, a loss in red
- Net profit
- Loss
A loss in 2 of the 3 years shown
| ₹ crore | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| Total income | 4,260 | 4,329 | 4,348 |
| Net profit | 426 | −521 | −166 |
Standalone. Years to March. The latest is shaded.
Business segments
Share of revenue, year to Mar 2026, standalone.Segment revenue and profit
- RetailRetail, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹3,662 Crup 3.73%84.2%
- TreasuryTreasury, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹405 Crdown 24.33%9.3%
- Other Banking OperationsOther Banking Operations, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹178 Crup 45.46%4.1%
- WholesaleWholesale, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹103 Crdown 27.05%2.4%
The pill is the change in revenue on the year before; the share is of all the businesses together.
Valuation
Today, against the company's own history.ESAF Small Finance Bank PE ratio and valuation
Price to book
At or below today's level on 83% of 614 trading days since May 2024.
LowestHighest
Its median0.84Industry median0.87
Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price. When a year's dividend goes ex later than the year before's, the yield reads zero for the days between; a run of under 60 such trading days is left out of the yield's medians and percentiles. The ex-date is the day from which a buyer of the share no longer gets the dividend.
At or below today's level on 66% of 734 trading days since Nov 2023.
LowestHighest
Its median0.00%
Where the return came from
Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.
| Over | Return a year | Earnings growth | Change in P/E | Dividend yield |
|---|---|---|---|---|
| 1 year | −19.2% | – | – | 0.0% |
Return is price growth plus the average dividend yield. Change in P/E is (1 + price growth) / (1 + earnings growth) - 1, so the parts compound rather than add. Earnings growth and the change in P/E are left empty where earnings per share at either end of the window was a loss or is not on record.
Promoter and insider buying and selling
Trades made since 30 Oct 2025.ESAF Small Finance Bank insider trading
No promoter, director, key manager or employee bought or sold on the market.
- Others: no market trade
Bought and sold count trades on the market only. A pledge is shares given to a lender as security for a loan; a lender invokes it by selling them.
ESAF Small Finance Bank competitors and peers
Other Bank, 9 listed companies, priced on 30 Oct 2026. The table lists the 8 companies closest to ESAF Small Finance Bank in market cap.Finance companies
Where the company sits among the companies nearest its size
| Company | |||||||||
|---|---|---|---|---|---|---|---|---|---|
 AU Small Finance BankAUBANK | 64,918 | 20.59 | 2.98 | +16.8% | +45.0% | 15.7% | 1.51% | 5.58% | 0.12% |
 Ujjivan Small Finance BankUJJIVANSFB | 10,358 | 9.01 | 1.38 | +20.9% | +175.6% | 16.6% | 1.32% | 8.07% | 0.00% |
 Equitas Small Finance BankEQUITASBNK | 6,131 | 8.70 | 0.94 | +15.3% | – | 11.4% | 0.18% | 6.85% | 0.00% |
 Jana Small Finance BankJSFB | 3,952 | 8.32 | 0.80 | +17.8% | +15.6% | 10.3% | 0.76% | 6.61% | 0.00% |
 Utkarsh Small Finance BankUTKARSHBNK | 2,039 | – | 0.73 | −12.0% | – | −32.9% | −4.04% | 5.90% | 0.00% |
 Suryoday Small Finance BankSURYODAY | 1,432 | 6.02 | 0.65 | +29.0% | +265.0% | 11.3% | 0.86% | 7.25% | 1.11% |
 Capital Small Finance BankCAPITALSFB | 1,235 | 7.65 | 0.81 | +17.3% | +19.4% | 11.1% | 1.27% | 4.46% | 1.84% |
 Fino Payments BankFINOPB | 972 | – | 1.26 | −24.0% | −119.0% | −2.0% | 1.10% | 3.45% | 0.00% |
Market cap in ₹ crore. Growth is the last twelve months against the twelve before. A figure is left empty where it would rest on a loss or the company has under a year of results on record. ROE is the shareholders' profit over their net worth. ROA is the year's profit over average total assets. NIM is net interest income over average loans and investments. Income growth is the growth of everything the company earns: interest, fees, premiums and the rest.
Dividends
Per share, by the year it was paid for, and the latest payments.ESAF Small Finance Bank dividend history
Dividend per share, ₹, restated for later splits and bonuses
Dividend per share. The dividends declared for the year, each restated to today's share count by the splits and bonuses after its own ex-date, added up. Dividend per share in the glossaryHighest ₹0.70 a share, year to Mar 2024.
| Ex-date | Type | Per share |
|---|---|---|
| 7 Aug 2024 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. Final dividend in the glossary | ₹0.70 |
Latest payments, as declared, by ex-date.
Latest announcements
Routine notices left out.ESAF Small Finance Bank announcements
Oct 2026
26 Oct · General Updates
16 Oct · General Updates
ESAF Small Finance Bank share price by year
Each calendar year to 2025.ESAF Small Finance Bank share price history
| Year | Close at year end | Change | Highest close | Lowest close |
|---|---|---|---|---|
| 2025 | 26.65 | −36.6% | 42.84 | 24.59 |
| 2024 | 42.02 | −38.8% | 78.65 | 37.97 |
| 2023 | 68.70 | – | 73.85 | 66.65 |
₹ per share, adjusted for splits and bonuses since. Change is on the close at the end of the year before. 2023 is from its first session, 10 Nov 2023.
Recent sessions
The 9 trading days to 29 Oct 2026, as traded on NSE; the latest is at the top of the page.
| Date | Open | High | Low | Close | Average price | Volume |
|---|---|---|---|---|---|---|
| 29 Oct 2026 | 40.50 | 42.94 | 40.50 | 42.94 | 42.22 | 6,38,350 |
| 28 Oct 2026 | 39.38 | 41.03 | 39.00 | 40.90 | 40.51 | 6,69,232 |
| 27 Oct 2026 | 37.18 | 39.31 | 37.18 | 39.08 | 38.24 | 4,56,500 |
| 26 Oct 2026 | 38.48 | 39.30 | 36.88 | 37.44 | 37.66 | 6,10,083 |
| 23 Oct 2026 | 40.11 | 40.50 | 38.82 | 38.82 | 39.08 | 3,26,582 |
| 22 Oct 2026 | 41.70 | 41.90 | 39.75 | 40.86 | 40.62 | 5,07,336 |
| 21 Oct 2026 | 42.50 | 43.75 | 41.18 | 41.70 | 41.93 | 4,67,681 |
| 19 Oct 2026 | 44.28 | 45.00 | 43.25 | 43.34 | 43.85 | 2,75,627 |
| 16 Oct 2026 | 43.68 | 44.98 | 43.50 | 44.28 | 44.35 | 5,89,268 |
Prices in ₹ per share as traded, not adjusted.
Company details
- NSE symbol
- ESAFSFB
- BSE code
- 544020
- ISIN
- INE818W01011
- Industry
- Banks
- Website
- www.esafbank.com
- CIN
- L65990KL2016PLC045669
- Corporate identity number, the registrar of companies' code for it
- Incorporated
- 2016
- Registered office
- Building No. VII/83/8, ESAF Bhavan, Thrissur-Palakkad National Highway, Mannuthy, 680651, Kerala
- Share registrar
- MUFG Intime India Pvt. Ltd
- Keeps the register of shareholders and handles transfers and dividend payments