Ratnakar Securities Pvt. Ltd.

ESAF SMALL FINANCE BANK LTD.

NSE : ESAFSFBBSE : 544020ISIN CODE : INE818W01011Industry : Bank - PrivateHouse : Private

BSE26.13-0.29 (-1.1 %)

PREV CLOSE ( ) 26.42

OPEN PRICE ( ) 26.10

BID PRICE (QTY) 0.00 (0)

OFFER PRICE (QTY) 0.00 (0)

VOLUME 6383

TODAY'S LOW / HIGH ( )26.05 26.50

52 WK LOW / HIGH ( )24.35 43

Quarters

Select year

( in Million)

Particulars

Sep 2025

Jun 2025

Mar 2025

Dec 2024

Audited / UnAudited

UnAudited

Audited

Interest Earned

8198.2

8282.3

8934.4

9498.9

Income On Investments

1044.8

1005.2

1111.2

1032.2

Interest On Balances With Rbi Other Inter Bank Funds

3.9

14.6

130.8

Interest / Discount On Advances / Bills

7149.5

7206.1

7808.6

8335.9

Others

Other Income

1451.6

1951.4

1433.4

1118.9

Total Income

9649.8

10233.7

10367.8

10617.8

Interest Expended

4557.6

4503.6

4576.5

4628.7

Operating Expenses

4159.7

4480.9

4884.7

4715.3

Total Expenditure

4159.7

4480.9

4884.7

4715.3

Operating Profit Before Provisions and Contingencies

932.5

1249.2

906.6

1273.8

Exceptional Items

Provisions and contingencies

2486.7

2341.2

3315

4097.7

Profit Before Tax

-1554.2

-1092

-2408.4

-2823.9

Tax

-396.1

-279.8

-576.5

-714.9

Profit After Tax

-1158.1

-812.2

-1831.9

-2109

+/- Extraordinary Items

0.00

+/- Prior period items

Net Profit

-1158.1

-812.2

-1831.9

-2109

Equity Capital

5155.1

5154.3

5150.8

Face Value (IN RS)

Reserves

% of Shares held by Govt

Capital Adequacy Ratio

22.43

22.74

21.84

22.7

Gross / Net NPAs

Amount of Gross NPAs

16345.7

13636.3

12905.6

12739.5

Amount of Net NPAs

6964

6609

5396.4

5204.6

% of Gross / Net NPAs

% of Net NPAs

3.83

3.77

2.99

2.97

% of Gross NPAs

8.54

7.48

6.87

6.96

Return on Assets

-0.43

-0.3

-0.67

-0.79

No of Public Share Holdings

% of Public Share Holdings

Basic Eps After Extraordinary Items

-2.25

-1.58

-3.56

-4.1

Basic Eps Before Extraordinary Items

-2.25

-1.58

-3.56

-4.1

PBIDTM%

11.37

15.08

10.14

13.40

PBDTM%

-18.95

-13.18

-26.95

-29.72

PBTM%

-18.95

-13.18

-26.95

-29.72

PATM%

-14.12

-9.80

-20.50

-22.20

Notes

attention investors
kyc
ipo
ibt trading
KYC & KRA Status Awareness

Stock Brokers can accept securities as margin from clients only by way of pledge in the depository system w.e.f. September 1, 2020.

Update your mobile number & email Id with your stock broker/depository participant and receive OTP directly from depository on your email id and/or mobile number to create pledge.

Pay 20% upfront margin of the transaction value to trade in cash market segment.

Investors may please refer to the Exchange's Frequently Asked Questions (FAQs) issued vide circular reference NSE/INSP/45191 dated July 31, 2020 and NSE/INSP/45534 dated August 31, 2020 and other guidelines issued from time to time in this regard.

Check your Securities /MF/ Bonds in the consolidated account statement issued by NSDL/CDSL every month.
.......... Issued in the interest of Investors

INVESTOR CHARTER

CLOSE X

RISK DISCLOSURES ON DERIVATIVES

9 out of 10 individual traders in equity Futures and Options Segment, incurred net losses.
On an average, loss makers registered net trading loss close to ₹ 50,000.
Over and above the net trading losses incurred, loss makers expended an additional 28% of net trading losses as transaction costs.
Those making net trading profits, incurred between 15% to 50% of such profits as transaction cost.

Source: SEBI study dated January 25, 2023 on “Analysis of Profit and Loss of Individual Traders dealing in equity Futures and Options (F&O) Segment”, wherein Aggregate Level findings are based on annual Profit/Loss incurred by individual traders in equity F&O during FY 2021-22.

Ratnakar Securities

Quarterly Results

ESAF SMALL FINANCE BANK LTD.

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RISK DISCLOSURES ON DERIVATIVES