Esaf Small Finance Bank Limited
Incorporated in 1992, ESAF Small Finance Bank provides micro, retail and corporate banking, para banking activities such as debit card, third party financial product distribution, in addition to treasury and permitted foreign exchange business.
Key Metrics
EPS
8.27
Current ratio
0.07
Debt/Equity
9.47
Debt/EBITDA
37.97
Interest coverage ratio
-
Operating Cashflow to total debt
0.04
Financials
Pros & Cons
Exclusive on TAP Bonds
Here's what we like about this company and potential risks we have identified.
Pros
Positive factors – Factors that could individually or collectively, lead to positive rating action/upgrade:
Increase in the scale of operations along with improvement in the capital adequacy levels.
Improvement in geographical diversification and product diversification.
Cons
Negative factors – Factors that could individually or collectively, lead to negative rating action/downgrade:
Fall in overall CAR below 18%.
Weakening of asset quality performance with stressed assets of above 7% of advances.
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About Esaf Small Finance Bank Limited bond.
This comprehensive profile covers key factual information about Esaf Small Finance Bank Limited. Incorporated in 1992, ESAF Small Finance Bank provides micro, retail and corporate banking, para banking activities such as debit card, third party financial product distribution, in addition to treasury and permitted foreign exchange business. EPS in Mar-2024 was 8.27. Current ratio in Mar-2024 was 0.07. Debt/Equity in Mar-2024 was 9.47. Debt/EBITDA in Mar-2024 was 37.97. Interest coverage ratio in Mar-2024 was . Operating Cashflow to total debt in Mar-2024 was 0.04. Total revenue for Mar-2025 (E) was ₹4613.72. Net income for Mar-2025 (E) stood at ₹432.09. Total assets as of Mar-2024 were ₹26,086.87. Total liabilities as of Mar-2024 were ₹23,595.08. Operating cash flow for Mar-2024 was ₹1,000.93. Peers and comparison entities consist of ESAF Small Finance Bank Limited, HDFC Bank Limited, ICICI Bank Limited, Axis Bank Limited. As of Dec 2024, promoters hold N/A% while others hold N/A% of equity. Key strengths include: Positive factors – Factors that could individually or collectively, lead to positive rating action/upgrade:; Increase in the scale of operations along with improvement in the capital adequacy levels.; Improvement in geographical diversification and product diversification.. Key risks include: Negative factors – Factors that could individually or collectively, lead to negative rating action/downgrade:; Fall in overall CAR below 18%.; Weakening of asset quality performance with stressed assets of above 7% of advances.. Leadership team details include Ajayan Mangalath Gopalakrishnan Nair (Non Executive & Nominee Director), Ali Mohammad Saquib (Chief Technology Officer), Biju Varkkey (Independent Non-Executive Director), C P Gireesh (Chief Financial Officer), Dinesh Kalarackal (Head - Legal), George Thomas (Executive Vice President), Hari Velloor (Executive Vice President), John Samuel (Non Executive & Nominee Director), Joseph Vadakkekara Antony (Non Executive Director), Kadambelil Paul Thomas (Managing Director & CEO), Kolasseril Chandramohanan Ranjani (Independent Non-Executive Director), M P Peter (Head - Operations), P Ranjith Raj (Company Secretary & Compliance Officer), P Sivakumar (Head - Internal Audit), Rabindra Kumar Dash (Head - Treasury), Ravi Venkatraman (Independent Non-Executive Director), Ravimohan Periyakavil Ramakrishnan (Non Executive Independent Part Time Chairman), Thomas Jacob Kalappila (Independent Non-Executive Director), Vinod Vijayalekshmi Vasudevan (Independent Non-Executive Director), Wilson Cyriac (Chief Risk Officer). This detailed corporate overview is structured to provide a thorough understanding of all available data points, enhance search visibility, and support investor analysis.