ESAF Small Finance Bank Balance Sheet
- Market cap
- ₹2,200 crore
- P/E
- 22.5
- P/B
- 0.94
- ROE
- 18.7%
- Dividend yield
- 1.20%
As of Mar 2022, ESAF Small Finance Bank had total assets of ₹13,700 crore and borrowings of ₹1,200 crore, against shareholders' equity of ₹9,000 crore — a debt-to-equity ratio of 0.13. Borrowings fell 55.23% from Mar 2023.
ESAF Small Finance Bank balance sheet
As at each financial year end, newest first. H1 = half-year.
| Item | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Equity capital | 500 | 449 | 515 | 515 | 516 |
| Reserves | 8,500 | 542 | 857 | 291 | 96.13 |
| Borrowings | 1,200 | 2,680 | 2,573 | 1,406 | 2,253 |
| Other liabilities | 3,500 | 15,828 | 21,023 | 23,824 | 26,829 |
| Total liabilities | 13,700 | 20,224 | 26,087 | 27,178 | 30,868 |
| Fixed assets | 6,500 | 188 | 208 | 300 | 516 |
| Capital work in progress | 400 | 100 | 100 | 100 | 100 |
| Investments | 2,500 | 4,045 | 5,217 | 5,436 | 6,174 |
| Other assets | 4,300 | 6,067 | 7,826 | 8,153 | 9,260 |
| Total assets | 13,700 | 20,224 | 26,087 | 27,178 | 30,868 |
Balance sheet ratios
- Debt to equity
- 0.13
Source: Company filings (consolidated), in ₹ crore. Data as of 7 October 2026. How this data is compiled.
ESAF Small Finance Bank balance sheet — frequently asked questions
What is the total debt of ESAF Small Finance Bank?
ESAF Small Finance Bank reported borrowings of ₹1,200 crore as of Mar 2022, compared with ₹2,680 crore as of Mar 2023.
What is ESAF Small Finance Bank's debt-to-equity ratio?
Based on the Mar 2022 balance sheet, ESAF Small Finance Bank's debt-to-equity ratio is 0.13 — borrowings of ₹1,200 crore against equity capital and reserves of ₹9,000 crore.
What are ESAF Small Finance Bank's total assets?
ESAF Small Finance Bank's total assets were ₹13,700 crore as of Mar 2022, including fixed assets of ₹6,500 crore and investments of ₹2,500 crore.
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