ESAF Small Finance Bank Ltd. Share Price

Overview

ESAF Small Finance Bank Ltd. share price is currently ₹39.03, up by ₹0.64 (1.67%) from its previous closing price of ₹38.39. The share price has declined -8.72% over the past month and gained 35.03% over the past year. The stock's 52-week low and high are ₹19.63 and ₹44.34, respectively. ESAF Small Finance Bank Ltd. has a market capitalisation of ₹ 2,020.00 Cr. The share price was last updated on 21 Sep 2026, 02:58 PM IST.

ESAF Small Finance Bank Ltd.
ESAF Small Finance Bank Ltd.
ESAFSFB
 0.00
 0.64
1.67%
Bank
 0.00(%)1D

Updated: 21 Sep 2026, 02:58:16 pm IST

Market Data

Open Price

 37.85

Prev. Close

 38.39
 37.85

Day Low

 39.54

Day High

 19.63

52 Week Low

 44.34

52 Week High

BankBank - Private
CategorySmall Cap

Fundamentals

Quick Bite

Price To Earnings Ratio

-390.30

Sector PE

12.31

PB Ratio

1.13

Sector PB

1.69

EPS

-0.10

Dividend Yield

0.00

Today's Volume

239.998 K

5 Day Avg. Volume

312.264 K

PEG Ratio

-5.73

Market Cap.

₹ 2,020.00 Cr.

StockGro Trade views

Technical Analysis

Forecasts 🧭

Financials

Corporate Actions

Corporate Actions will be available shortly.

Mutual Fund Ownership

Mutual Fund Holder
Oct 25
Shares held
Nov 25
Shares held
Motilal Oswal BSE 1000 Index Fund - Regular Plan - Growth494
506
(2.43%)

About ESAF Small Finance Bank Ltd. 👋

ESAF Small Finance Bank Limited (the Bank) is a small finance bank with a focus on unbanked and underbanked customer segments, especially in urban, semi-urban, rural and rural unbanked areas. The Bank provides micro, retail, and corporate banking, para-banking activities such as debit cards, third-party financial product distribution, in addition to treasury and permitted foreign exchange business. The Company's segments include treasury, wholesale banking, retail banking, and other banking operations. The treasury segment primarily consists of interest earnings on its investment portfolio, gains or losses on investment operations, and earnings from its foreign exchange business. The wholesale banking segment provides loans to the corporate segment. The retail banking segment provides loans to non-corporate customers. The other banking operations segment includes para-banking activities, such as debit cards, third-party product distribution, and associated costs.

Expert Opinions

Insights from SEBI-registered analysts · updated live

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Sunil Kotak

Sunil Kotak

31 Jul • 2:41 PM · SEBI-Registered Analyst

Q1FY27 Quarterly Result Announced for ESAF Small Finance Bank Ltd.

SEBI RA – Shubh Consultancy – Sunil Kotak – INH000015826 Q1FY27 Quarterly Result Announced for ESAF Small Finance Bank Ltd. ESAF Small Finance Bank announced Q1FY27 results Financial Highlights:

ESAFSFB
Total Income: The Bank reported a total income of Rs 1,34,601 lakh for Q1FY27, marking a YoY growth of 31.53% compared to Rs 1,02,337 lakh in Q1FY26 and a QoQ increase of 12.50% from Rs 1,19,645 lakh in Q4FY26. Interest Earned: Interest earned for Q1FY27 stood at Rs 1,09,777 lakh, reflecting a YoY increase of 32.54% from Rs 82,823 lakh in Q1FY26 and a QoQ growth of 10.32% compared to Rs 99,508 lakh in Q4FY26. Other Income: This parameter was recorded at Rs 24,824 lakh in Q1FY27, showing a YoY growth of 27.21% from Rs 19,514 lakh in Q1FY26 and a QoQ increase of 23.28% from Rs 20,137 lakh in Q4FY26. Operating Profit: Operating profit before provisions and contingencies reached Rs 34,898 lakh in Q1FY27, representing a YoY increase of 179.36% from Rs 12,492 lakh in Q1FY26 and a QoQ growth of 44.63% from Rs 24,129 lakh in Q4FY26. Net Profit: The Bank recorded a net profit of Rs 8,008 lakh for Q1FY27, showing a significant turnaround from a net loss of Rs 8,122 lakh in Q1FY26. On a QoQ basis, the profit grew by 240.62% from Rs 2,351 lakh in Q4FY26. Earnings Per Share (EPS): Basic and diluted EPS (not annualized) stood at Rs 1.55 for Q1FY27, compared to a negative EPS of Rs (1.58) in Q1FY26 and Rs 0.46 in Q4FY26. Networth: The Bank's networth was reported at Rs 1,86,382 lakh as of June 30, 2026, compared to Rs 1,86,379 lakh as of June 30, 2025. All this is for information This is not a buy/sell recommendation. Thank you, Technofunda24

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Jeet B Bhayani (SEBI RA)

Jeet B Bhayani (SEBI RA)

15 Jun • 3:15 PM · SEBI-Registered Analyst

ESAF Small Finance Bank has surpassed Rs. 50,000 crore (US$ 5.44 billion) in total revenue as of June 11, 2026, highlighting a key achievement in its growth trajectory. As per a regulatory document, the bank's overall operations, including deposits and loans, totaled Rs. 50,029 crore (USD 5.44 billion). Total deposits were recorded at Rs. 26,197 crore (US$ 2.85 billion), with gross advances reported at Rs. 23,832 crore (US$ 2.59 billion). The accomplishment underscores the lender’s ongoing growth in retail, microfinance, and rural banking sectors, bolstered by an expanding customer base and a wide-reaching branch network. The achievement also highlights the bank's capacity to sustain balanced growth in both assets and liabilities while enhancing its footprint in underserved regions. The growth of the business coincides with a rise in the bank’s financial results. For the quarter concluding in March 2026, ESAF Small Finance Bank announced a net profit of Rs. 24 crore (US$ 2.77 million), in contrast to a net loss of Rs. 183 crore (US$ 21.09 million) in the same timeframe of the prior year. The bank reported increased income for the quarter, indicative of better operating performance and enhanced asset quality. Traversing the Rs. The milestone of 50,000 crore (US$ 5.44 billion) is a significant accomplishment for a small finance bank, showcasing ESAF’s advancement in enhancing financial inclusion while expanding its banking services. The initiative is anticipated to bolster the bank's aspirations for long-term growth and enhance its standing in India's small finance banking industry.

ESAFSFB

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AASHISH RA

AASHISH RA

17 Jan • 3:28 PM · SEBI-Registered Analyst

ESAF Small Finance Bank Ltd (ESAFSFB) – SWOT Analysis

ESAFSFB
Strengths Strong Microfinance Franchise: Deep experience in micro-lending and financial inclusion. Wide Geographic Reach: Presence across multiple states with focus on under-banked regions. Retail-Focused Loan Book: High share of secured and granular retail loans. Improving CASA Base: Growing low-cost deposits support margin stability. Government & Regulatory Support: Beneficiary of financial-inclusion initiatives. Weaknesses High Dependence on Microfinance: Vulnerable to stress in low-income borrower segments. Asset Quality Sensitivity: Credit costs can spike during economic disruptions. Lower Scale vs Large Banks: Limited operating leverage compared to big private banks. Geographic Concentration Risk: Higher exposure to certain states. Margin Pressure: Competitive deposit rates impact profitability. Opportunities Credit Growth in Under-Served Segments: MSME, affordable housing, and retail loans. Deposit Franchise Expansion: CASA growth through digital and branch expansion. Cross-Selling: Insurance, gold loans, and fee-based products. Digital Banking Adoption: Cost efficiency and customer acquisition. Formalisation of Economy: Rising demand for banking services in rural and semi-urban India. Threats Credit Risk from MFI Segment: Economic stress, weather events, or regulatory changes. Intense Competition: From other SFBs, NBFCs, and PSU banks. Regulatory Changes: RBI norms on capital, provisioning, or lending practices. Interest Rate Volatility: Impacts NIMs and deposit mobilisation. Disclaimer Disclaimer: This analysis is provided solely for educational and informational purposes and does not constitute investment advice or a recommendation to buy, sell, or hold any security. Stock-market investments are subject to market risks. Investors are advised to consult a SEBI-registered investment advisor before making any investment decision. Registration Number: INH000013174

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Adarsh Nimborkar (SEBI IA)

Adarsh Nimborkar (SEBI IA)

17 Jan • 3:21 PM · SEBI-Registered Analyst

ESAF Small Finance Bank Ltd — Fundamental Overview

ESAFSFB
ESAF Small Finance Bank Ltd is an Indian small finance bank that emerged from a long-standing microfinance institution with a core focus on financial inclusion. It primarily serves underbanked and low-income customers across rural and semi-urban regions, offering savings and deposit products along with a diversified loan portfolio that includes microfinance loans, MSME loans, housing loans, vehicle loans and other retail credit products. Over time, the bank has been working to transition from a microfinance-heavy model to a more balanced retail banking structure. The bank’s business model is retail-oriented and credit-driven, with earnings largely dependent on net interest income, deposit mobilisation and asset quality. A key strength is its wide grassroots presence and strong customer relationships in regions where traditional banking penetration is lower. This allows ESAF to mobilise deposits and cross-sell credit products, which is critical for improving margins and reducing reliance on higher-cost borrowings. Increasing the share of CASA deposits remains an important long-term objective for strengthening profitability. However, ESAF has faced significant asset-quality stress, particularly in its microfinance portfolio. Economic disruptions, borrower stress and regional concentration risks have led to higher delinquencies and elevated credit costs. As a result, profitability has been under pressure, with higher provisioning weighing on earnings despite growth in advances and deposits. Like other small finance banks, ESAF operates in a highly competitive environment, facing pressure from larger banks, NBFCs and fintech lenders that are increasingly targeting the same customer segments. Maintaining disciplined underwriting, improving collection efficiency and shifting the loan mix toward more secured products are critical for stabilising asset quality.

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Vibhu Jain

Vibhu Jain

17 Jan • 1:07 PM · SEBI-Registered Analyst

ESAFSFB

ESAF Small Finance Bank's recent price rise on 16-Jan and over the past week reflects a strong short-term rebound that outpaces both its sector and the broader market. This rally is supported by technical strength and a series of consecutive gains. However, the bank's fundamental weaknesses—including inadequate capital buffers, poor cost control, deteriorating asset quality, and sustained losses—continue to weigh heavily on its longer-term outlook. The stock's expensive valuation relative to its financial performance and lack of institutional endorsement suggest that investors should approach the recent gains with caution, recognising the underlying risks that remain unresolved.

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DEEPAK PAL

DEEPAK PAL

12 Nov • 9:16 AM · SEBI-Registered Analyst

"तेजी की नई सुबह, नई लिस्टिंग और रिजल्ट्स के साथ बाजार में रहेगा उत्साह!"

Market Outlook for November 12, 2025 The market is expected to see a gap-up opening, with Nifty futures trading around 25,963 on GIFT Nifty—up about 0.55% from previous close. Sentiment is robust after global markets rallied on hopes of a US government shutdown resolution, strong Dow performance, and broader Asian gains. The US dollar index is weakening, while Asian indices (like Kosdaq and Australia S&P/ASX) show mild to moderate upward trends. Volatility may be moderate, as India VIX remains stable. Key Global Market Mood US markets finished higher overnight; Dow reached record highs while Nasdaq slipped slightly on sector rotation out of tech stocks. European markets are supportive; Asian markets mostly trading positive. Dollar index remains weak, which supports risk assets globally. Stocks to Watch Today Groww (IPO listing and debut)

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