ESAF Small Fin

  • Market Cap: Small Cap
  • Industry: Other Bank
  • ISIN: INE818W01011
  • NSEID: ESAFSFB
  • BSEID: 544020
INR
28.01
-0.02 (-0.07%)
BSENSE

Feb 03

BSE+NSE Vol: 5.75 lacs

  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationNine Monthly Results
Results Snapshot
Figures in Cr
Standalone Nine Monthly Results
Dec'25
Dec'24
Dec'23
Dec'22
Interest Earned
2,542.10
2,965.47
2,816.54
2,079.78
Income On Investments
309.06
290.92
259.23
232.61
Interest On Balances With Rbi Other Inter Bank Funds
7.87
48.22
3.77
9.45
Interest / Discount On Advances / Bills
2,225.17
2,626.33
2,553.54
1,837.72
Others
0.00
0.00
0.00
0.00
Other Income
609.69
327.06
291.87
209.19
Total Income
3,151.79
3,292.53
3,108.41
2,288.97
Interest Expended
1,367.84
1,353.04
1,037.48
742.40
Net Interest Income
1,174.26
1,612.43
1,779.06
1,337.38
Total Expenditure (Excl Depreciation)
1,313.26
1,415.04
1,192.92
856.13
Employee Cost
519.34
475.21
258.26
70.14
Other Operating Expenses
793.92
939.83
934.66
785.99
Operating Profit Before Provisions and Contingencies
470.69
524.45
878.01
690.44
Exceptional Items
0.00
0.00
0.00
0.00
Provisions and contingencies
726.18
918.58
366.13
420.61
Profit Before Tax
-255.49
-452.13
511.88
269.83
Tax
-65.58
-113.93
129.66
68.87
Profit After Tax
-189.91
-338.20
382.22
200.96
Extraordinary Items
0.00
-58.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
Net Profit
-189.91
-280.20
382.22
200.96
Face Value
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
Diluted Earnings per share
0.14
-4.09
2.42
0.83
Operating Profit Margin (Excl OI)
48.34%
52.28%
57.65%
58.84%
Gross Profit Margin
0.0%
0.0%
0.0%
0.0%
PAT Margin
-7.47%
-11.4%
13.57%
9.66%
Net Interest Margin
0.0%
0.0%
10.6%
9.9%
Return on Assets
0.03%
-0.79%
0.51%
0.21%
CASA (%)
0.0%
0.0%
18.9%
0.0%
CASA Amount
0.00
0.00
3,563.00
2,960.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
0.0%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
0.0%
Provision Coverage Ratio (%)
0.0%
0.0%
59.5%
69.6%
Amount of Gross NPAs
1,165.59
1,273.95
713.20
908.28
Amount of Net NPAs
547.94
520.46
368.31
451.05
% of Net NPAs
2.73%
2.97%
2.19%
3.73%
% of Gross NPAs
5.64%
6.96%
4.16%
7.24%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
Number of ATMs
0.0
0.0
600.0
0.0
Number of Branches
0.0
0.0
731.0
0.0
Nine Monthly Analysis Highlights
stock-summary

Interest Earned

YoY Growth in nine months ended Dec 2025 is -14.28% vs 5.29% in Dec 2024

stock-summary

Net Profit

YoY Growth in nine months ended Dec 2025 is 32.22% vs -173.31% in Dec 2024

stock-summary

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2025 is -10.25% vs -40.27% in Dec 2024

stock-summary

% of Net NPAs

YoY Growth in nine months ended Dec 2025 is -0.24% vs 0.78% in Dec 2024

stock-summary

% of Gross NPAs

YoY Growth in nine months ended Dec 2025 is -1.32% vs 2.80% in Dec 2024

Compare Nine Monthly Results Of ESAF Small Fin With
Markets Mojo
Figures in Cr
Standalone Nine Monthly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
2,542.10
2,542.03
0.07
Income On Investments
309.06
282.22
26.84
9.51%
Interest On Balances With Rbi Other Inter Bank Funds
7.87
109.22
-101.35
-92.79%
Interest / Discount On Advances / Bills
2,225.17
2,150.57
74.60
3.47%
Others
0.00
0.01
-0.01
-100.0%
Other Income
609.69
315.65
294.04
93.15%
Total Income
3,151.79
2,857.68
294.11
10.29%
Interest Expended
1,367.84
1,441.39
-73.55
-5.1%
Net Interest Income
1,174.26
1,100.64
73.62
6.69%
Total Expenditure (Excl Depreciation)
1,313.26
1,372.24
-58.98
-4.3%
Employee Cost
519.34
710.64
-191.30
-26.92%
Other Operating Expenses
793.92
661.60
132.32
20.0%
Operating Profit Before Provisions and Contingencies
470.69
44.04
426.65
968.78%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
726.18
1,318.57
-592.39
-44.93%
Profit Before Tax
-255.49
-1,274.53
1,019.04
79.95%
Tax
-65.58
-311.57
245.99
78.95%
Profit After Tax
-189.91
-962.97
773.06
80.28%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
-189.91
-962.97
773.06
80.28%
Face Value
10.00
10.00
0.00
Reserves
0.00
0.00
0.00
Gross Profit Margin
0.00%
0.00%
0.00
0.00%
PAT Margin
-7.47%
-37.88%
0.00
30.41%
Net Interest Margin
0.00%
0.00%
0.00
0.00%
Return on Assets
0.03%
-1.36%
1.39
1.39%
CASA (%)
0.00%
0.00%
0.00
0.00%
CASA Amount
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
0.00%
0.00%
0.00
0.00%
Capital Adequacy Ratio (Tier 1)
0.00%
0.00%
0.00
0.00%
Provision Coverage Ratio (%)
0.00%
0.00%
0.00
0.00%
Amount of Gross NPAs
1,165.59
1,985.95
-820.36
-41.31%
Amount of Net NPAs
547.94
750.87
-202.93
-27.03%
% of Net NPAs
2.73%
4.48%
-1.75
-1.75%
% of Gross NPAs
5.64%
11.05%
-5.41
-5.41%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
0.00
0.00
0.00
Number of Branches
0.00
0.00
0.00
Nine Monthly - Interest Earned
Interest Earned 2542.1 Cr
in Dec 2025

Figures in Cr
stock-summary

YoY Growth in nine months ended Dec 2025 is -14.28% vs 5.29% in Dec 2024

Nine Monthly - Net Profit
Net Profit -189.91 Cr
in Dec 2025

Figures in Cr
stock-summary

YoY Growth in nine months ended Dec 2025 is 32.22% vs -173.31% in Dec 2024

Nine Monthly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 470.69 Cr
in Dec 2025

Figures in Cr
stock-summary

YoY Growth in nine months ended Dec 2025 is -10.25% vs -40.27% in Dec 2024

Nine Monthly - % of Net NPAs
% of Net NPAs 2.73%
in Dec 2025

Figures in %
stock-summary

YoY Growth in nine months ended Dec 2025 is -0.24% vs 0.78% in Dec 2024

Nine Monthly - % of Gross NPAs
% of Gross NPAs 5.64%
in Dec 2025

Figures in %
stock-summary

YoY Growth in nine months ended Dec 2025 is -1.32% vs 2.80% in Dec 2024

Stock List
ABCDEFGHIJKLMNOPQRSTUVWXYZOther

Name: MOJO Markets Private Limited (Research Entity) (SEBI Registration No. INH000021942) (CIN:U74900MH2015PTC264951)

Registered & Correspondence Address: Benefice Business House, Office No. 3B, 3rd Floor, C.S. 242, Mathuradas Mills Estate, N.M. Joshi Marg, Tulsi Pipe Road, Lower Parel West, Mumbai- 400013

For queries or grievances, please contact us on support@mojoinfinity.com, Phone : 022-35121239

"Investments in securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors."