ESAF Small Finance (NSE: ESAFSFB, BSE: 544020) is a Thrissur, Kerala-based company in the Small Finance Bank industry. With a market capitalisation of ₹2,285 Cr, it ranks #1,176 by market cap among the 6,137 Indian listed companies on FinBizNet, and #6 of 8 in Small Finance Bank. At ₹38.82 (as of 25 Oct 2026), the share price is 15.6% below its 52-week high of ₹46.00 and 96.3% above its 52-week low of ₹19.78. The share price is up 37.7% over one year and up 0.3% over three months.
| Current Price | ₹38.82 |
|---|---|
| Market Cap | ₹2,285 Cr |
| NSE Symbol | ESAFSFB |
| BSE Code | 544020 |
| Sector | Financials > Banks > Banks |
| Sub-Industry | Small Finance Bank |
| P/E Ratio | -13.5 |
| Return on Equity | -8.93% |
| Return on Assets | -0.57% |
| 52-Week Range | ₹19.78 – ₹46.00 |
| 1-Year Price Change | +37.7% |
| 3-Month Price Change | +0.3% |
| Beta (1Y) | 0.89 |
| Dividend Yield | 0.00% |
| Headquarters | Thrissur, Kerala |
| Website | www.esaf.bank.in |
| Revenue | ₹1,346 Cr |
|---|---|
| Net Profit | ₹80 Cr |
| Net Margin | 5.9% |
| EPS (Basic) | ₹1.55 |
| Basis | standalone |
Figures in ₹ crore, parsed from the company's exchange filing (XBRL).
ESAF Small Finance Bank provides banking products and services to retail, rural, and corporate customers in India. It operates through Treasury, Wholesale Banking, Retail Banking, and Other Banking segments. The company offers savings, current, and NRI accounts; foreign currency non-resident deposit accounts; fixed, recurring, social, and term deposits; personal net, mobile, SMS, missed call, and USSD banking services; and debit and credit cards. It also provides working capital/term, farmer interest group, used and new car, two- and three-wheeler, light commercial vehicle, school, personal, agri gold, lease rental discounting, dream education, gold, dairy development, MSME, dream home, clean energy, business, micro housing, income generation, general, microfinance, QR, micro enterprise, and other loans; as well as ESAF FPO finance; trade receivables e-discounting system; salary overdrafts; and loans against property. In addition, the company offers micro-banking services; unified paym
1. Retail-This segment offers loans, deposits, and other banking services to non-corporate customers. 2. Wholesale-This segment provides loans and other banking services to corporate customers. 3. Treasury-This segment engages in investment activities. 4. Other Banking-This segment engages in para banking activities, such as debit cards, third party product distribution, and others.
1. Retail-84.2% 2. Wholesale-2.4% 3. Treasury-9.3% 4. Other Banking-4.1%
| Company | Market Cap | P/E | ROE | Latest Qtr Revenue | 1Y Change |
|---|---|---|---|---|---|
| AU Small Finance Bank Ltd (AUBANK) | ₹74,164 Cr | 27.7 | 14.22% | ₹6,382 Cr | +16.8% |
| Ujjivan Small Finance Bank Ltd | ₹12,325 Cr | 18 | 10.74% | ₹2,449 Cr | +18.6% |
| Equitas Small Finance Bank Ltd | ₹8,050 Cr | 77.8 | 1.69% | ₹2,216 Cr | +18.4% |
| Jana Small Finance | ₹5,192 Cr | 13.9 | 7.60% | ₹1,816 Cr | -17.0% |
| Utkarsh Small Finance Bank | ₹2,361 Cr | -1.6 | -40.03% | ₹1,002 Cr | -33.6% |
| ESAF Small Finance | ₹2,285 Cr | -13.5 | -8.93% | ₹1,346 Cr | +37.7% |
| Suryoday Small Finance | ₹1,573 Cr | 10.5 | 7.59% | ₹770 Cr | -6.1% |
| Capital Small Finance | ₹1,243 Cr | 8.6 | 10.10% | ₹314 Cr | -5.6% |
Listed by market capitalisation. Ratios are shown for context only.
ESAF Small Finance is trading at ₹38.82, with a market capitalisation of ₹2,285 Cr.
ESAF Small Finance operates in the Financials > Banks > Banks space (Small Finance Bank).
ESAF Small Finance has a P/E of -13.5 and a return on equity of -8.93%.
ESAF Small Finance is listed on the NSE under the symbol ESAFSFB and on the BSE under the scrip code 544020.
ESAF Small Finance's share price is up 37.7% over one year and up 0.3% over three months. Its 52-week range is ₹19.78 to ₹46.00.
In Q1 FY27, ESAF Small Finance reported revenue of ₹1,346 Cr and net profit of ₹80 Cr, with basic EPS of ₹1.55 (standalone, parsed from the company's exchange filing).
Data as of 25 Oct 2026. Descriptive market data only — not investment advice.