INTEGRATED FILING — BANKING



General information about company

Scrip code 544020
NSE Symbol ESAFSFB
MSEI Symbol NOTLISTED
ISIN INE818W01011
Name of bank ESAF SMALL FINANCE BANK LIMITED
Class of security Equity
Date of start of financial year 01-Apr-2024
Date of end of financial year 31-Mar-2025
Date of board meeting when results were approved 16-May-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 12-May-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter Fourth quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Audited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Audited
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 16-May-2025   14:00:00
End date and time of board meeting 16-May-2025   18:00:00
Whether cash flow statement is applicable on company Yes
Type of cash flow statement Cash Flow Indirect
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Whether the company has any related party? Yes
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure? Yes
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public NA
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure. NA
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)? No
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company? Yes
Latest Date on which RPT policy is updated 2025-03-21
Indicate Company website link for updated RPT policy of the Company https://www.esafbank.com/wp-content/uploads/2025/04/Related-Party-Transaction-Policy.pdf
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? No
There were no default on loans and debt securties during the period


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
C Whether results are audited or unaudited Audited Audited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 7808600000 34105000000
Income on investments 1111200000 4020400000
Interest on balances with reserve bank of India and other inter bank funds 14600000 496800000
Others 0 0
Total interest earned 8934400000 38622200000
2 Other income 1433400000 4670900000
3 Total income 10367800000 43293100000
Expenses
4 Interest expenses 4576500000 18106900000
5 Operating expenses
(i) Employees cost 1848700000 6600800000
(ii) Details of other operating expenses
Description of other operating expenses
1 Rent, taxes and lighting 327900000 1166100000
2 Printing and stationery 23700000 82400000
3 Advertisement and publicity 6100000 116000000
4 Depreciation 155900000 592500000
5 Directors' fees, allowances and expenses 7600000 25700000
6 Auditors' fees and expenses 2500000 8800000
7 Law charges 6400000 19000000
8 Postage, Telegrams, Telephones 111700000 329400000
9 BC expenses 1153400000 5957600000
10 Other Expenditure 1240800000 4136800000
Total other operating Expenses 3036000000 12434300000
Total Operating Expenses 4884700000 19035100000
6 Total expenditure excluding provisions and contingencies 9461200000 37142000000
7 Operating profit before provision and contingencies 906600000 6151100000
8 Provisions other than tax and contingencies 3315000000 12500800000
9 Exceptional items 0 -580000000
10 Total profit (loss) from ordinary activities before tax -2408400000 -6929700000
11 Provision for Tax -576500000 -1715800000
12 Net profit (loss) from ordinary activities after tax -1831900000 -5213900000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period -1831900000 -5213900000
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates -1831900000 -5213900000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 5154300000 5154300000
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) 14295800000
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 17.11 17.11
Additional Tier 1 ratio 0.47 0.47
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items -3.56 -10.13
Diluted earnings per share before extraordinary items -3.55 -10.12
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items -3.56 -10.13
Diluted earnings per share after extraordinary items -3.55 -10.12
(iv) NPA Ratios
Amount of gross non-performing assets 12905600000 12905600000
Amount of net non-performing assets 5396400000 5396400000
% of gross NPAs 6.87 6.87
% of net NPAs 2.99 2.99
Return on assets -0.67 -1.94
21 Disclosure of notes on financial results by banks


Statement of Asset and Liabilities
Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2024
Date of end of reporting period 31-Mar-2025
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Standalone
1 Capital and liabilities
Capital 5154300000
Reserves and surplus 14295800000
Deposits 232764400000
Borrowings 14057300000
Other liabilities and provisions 5511100000
Total Capital Liabilities 271782900000
2 ASSETS
Cash and Balances with Reserve Bank of India 13514300000
Balances with Banks and money at call and short notice 6276800000
Investments 59952600000
Advances 180278700000
Fixed Assets 3004200000
Other Assets 8756300000
Total Assets 271782900000
Disclosure of notes on assets and liabilities


Text Block
Textual Information(1)


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether results are audited or unaudited Audited Audited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Retail 8157200000 35299900000
2 Wholesale 349200000 1416100000
3 Treasury 1483200000 5350400000
4 Other Banking Operations 378200000 1226700000
5 Capital & Reserves 0 0
6 Unallocated 0 0
7 NA 0 0
8 NA 0 0
9 NA 0 0
10 NA 0 0
11 NA 0 0
12 NA 0 0
13 NA 0 0
14 NA 0 0
15 NA 0 0
Total Segment Revenue 10367800000 43293100000
Less: Inter segment revenue 0 0
Income from operations 10367800000 43293100000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Retail -2979500000 -9048900000
2 Wholesale -106900000 230600000
3 Treasury 318000000 744500000
4 Other Banking Operations 360000000 1144100000
5 Capital & Reserves 0 0
6 Unallocated 0 0
7 NA 0 0
8 NA 0 0
9 NA 0 0
10 NA 0 0
11 NA 0 0
12 NA 0 0
13 NA 0 0
14 NA 0 0
15 NA 0 0
Total Profit before tax -2408400000 -6929700000
i. Finance cost 0 0
ii. Other Unallocable Expenditure net off Unallocable income 0 0
Profit before tax -2408400000 -6929700000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Retail 174527700000 174527700000
2 Wholesale 12454900000 12454900000
3 Treasury 79399700000 79399700000
4 Other Banking Operations 0 0
5 Capital & Reserves 0 0
6 Unallocated 5400600000 5400600000
7 NA 0 0
8 NA 0 0
9 NA 0 0
10 NA 0 0
11 NA 0 0
12 NA 0 0
13 NA 0 0
14 NA 0 0
15 NA 0 0
Total Segment Assets 271782900000 271782900000
Un-allocable Assets 0 0
Net Segment Assets 271782900000 271782900000
4 Segment Liabilities
Segment Liabilities
1 Retail 177689600000 177689600000
2 Wholesale 12367400000 12367400000
3 Treasury 58192200000 58192200000
4 Other Banking Operations 0 0
5 Capital & Reserves 19450100000 19450100000
6 Unallocated 4083600000 4083600000
7 NA 0 0
8 NA 0 0
9 NA 0 0
10 NA 0 0
11 NA 0 0
12 NA 0 0
13 NA 0 0
14 NA 0 0
15 NA 0 0
Total Segment Liabilities 271782900000 271782900000
Un-allocable Liabilities 0 0
Net Segment Liabilities 271782900000 271782900000
Disclosure of notes on segments




Cash Flow Statement, Indirect
Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025
B Date of end of reporting period 31-Mar-2025
C Whether results are audited or unaudited Audited
D Nature of report standalone or consolidated Standalone
1 Statement of cash flows
Cash flows from used in operating activities
Profit before extraordinary items and tax
2 Adjustments for reconcile profit (loss)
Adjustments to profit (loss)
Adjustments for finance costs 0
Adjustments for depreciation and amortisation expense 598200000
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 15027200000
Adjustments for unrealised foreign exchange losses gains 0
Adjustments for dividend income 0
Adjustments for share-based payments 0
Other adjustments for which cash effects are investing or financing cash flow 0
Other adjustments to reconcile profit (loss) -792500000
Other adjustments for non-cash items 40700000
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0
Total adjustments to profit (loss) 14873600000
3 Adjustments for working capital
Adjustments for decrease (increase) in inventories 0
Adjustments for decrease (increase) in trade receivables 0
Adjustments for decrease (increase) in other current assets -10548500000
Adjustments for increase (decrease) in trade payables 0
Adjustments for increase (decrease) in other current liabilities 34367800000
Adjustments for provisions 0
Total adjustments for working capital 23819300000
Total adjustments for reconcile profit (loss) 38692900000
Net cash flows from (used in) operations 31763200000
Dividends received 0
Interest paid 0
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Net cash flows from (used in) operating activities before extraordinary items 31763200000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) operating activities 31763200000
4 Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0
Cash flows used in obtaining control of subsidiaries or other businesses 0
Other cash receipts from sales of equity or debt instruments of other entities 0
Other cash payments to acquire equity or debt instruments of other entities 0
Other cash receipts from sales of interests in joint ventures 0
Other cash payments to acquire interests in joint ventures 0
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0
Proceeds from sales of tangible assets 6600000
Purchase of tangible assets 1526900000
Proceeds from sales of intangible assets 0
Purchase of intangible assets 0
Cash advances and loans made to other parties 0
Cash receipts from repayment of advances and loans made to other parties 0
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0
Dividends received 0
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash -6168000000
Proceeds from government grants 0
Net cash flows from (used in) investing activities before extraordinary items -7688300000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) investing activities -7688300000
5 Cash flows from used in financing activities
Proceeds from issuing shares 12100000
Proceeds from issuing other equity instruments 0
Proceeds from issuing debentures notes bonds etc 0
Proceeds from borrowings 0
Repayments of borrowings 18168000000
Dividends paid 360300000
Interest paid 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Net cash flows from (used in) financing activities before extraordinary items -18516200000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) financing activities -18516200000
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes 5558700000
6 Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 0
Net increase (decrease) in cash and cash equivalents 5558700000
Cash and cash equivalents cash flow statement at beginning of period 14199200000
Cash and cash equivalents cash flow statement at end of period 19757900000


Details of Impact of Audit Qualification
Whether results are audited or unaudited Audited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 Abarna & Ananthan Yes 30-Sep-2025
2 Kirtane & Pandit LLP Yes 31-Dec-2025


Financial details
Sr. Particulars Audited Figures (as reported before adjusting for qualifications) Adjusted Figures (audited figures after adjusting for qualifications)
1 Turnover / Total income
2 Total Expenditure
3 Net Profit/(Loss)
4 Earnings Per Share
5 Total Assets
6 Total Liabilities
7 Net Worth

Any other financial item(s) (as felt appropriate by the management)



Signatories details

Name of CEO / Managing director
Name of CFO
Name of audit committee chairman
Name of statutory auditor
Name of other signatory, if any, with designation
Place
Date


Format for Disclosure of Related Party Transactions (applicable only for half-yearly filings i.e., 2nd and 4th quarter)
Sr No. Additional disclosure of related party transactions - applicable only in case the related party transaction relates to loans, inter-corporate deposits, advances or investments made or given by the listed entity/subsidiary. These details need to be disclosed only once, during the reporting period when such transaction was undertaken.
Details of the party (listed entity /subsidiary) entering into the transaction Details of the counterparty Type of related party transaction Details of other related party transaction Value of the related party transaction as approved by the audit committee Remarks on approval by audit committee Value of transaction during the reporting period In case monies are due to either party as a result of the transaction In case any financial indebtedness is incurred to make or give loans, inter-corporate deposits, advances or investments Details of the loans, inter-corporate deposits, advances or investments Notes
Name PAN Name PAN Relationship of the counterparty with the listed entity or its subsidiary Opening balance Closing balance Nature of indebtedness (loan/ issuance of debt/ any other etc.) Details of other indebtedness Cost Tenure Nature (loan/ advance/ intercorporate deposit/ investment ) Interest Rate (%) Tenure Secured/ unsecured Purpose for which the funds will be utilised by the ultimate recipient of funds (endusage)
1 ESAF Small Finance Bank Ltd K Paul Thomas Managing Director and CEO - KMP Any other transaction Deposit accepted (excluding CASA) 0 NIL 5800000 5900000 6900000
2 ESAF Small Finance Bank Ltd K Paul Thomas Managing Director and CEO - KMP Any other transaction Deposit repaid (excluding CASA) 0 NIL 5300000 5900000 6900000
3 ESAF Small Finance Bank Ltd K Paul Thomas Managing Director and CEO - KMP Interest paid 0 NIL 2400000 0 0
4 ESAF Small Finance Bank Ltd K Paul Thomas Managing Director and CEO - KMP Remuneration 0 NIL 25800000 0 0
5 ESAF Small Finance Bank Ltd K Paul Thomas Managing Director and CEO - KMP Any other transaction Reimbursement of Expenses 0 NIL 1800000 0 0
6 ESAF Small Finance Bank Ltd Mereena Paul Relative of KMP Any other transaction Deposit accepted (excluding CASA) 0 NIL 0 0 0
7 ESAF Small Finance Bank Ltd Mereena Paul Relative of KMP Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 0 0
8 ESAF Small Finance Bank Ltd Mereena Paul Relative of KMP Interest paid 0 NIL 400000 0 0
9 ESAF Small Finance Bank Ltd Alok Thomas Paul Relative of KMP Any other transaction Deposit accepted (excluding CASA) 0 NIL 2500000 300000 2800000
10 ESAF Small Finance Bank Ltd Alok Thomas Paul Relative of KMP Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 300000 2800000
11 ESAF Small Finance Bank Ltd Alok Thomas Paul Relative of KMP Interest paid 0 NIL 100000 0 0
12 ESAF Small Finance Bank Ltd Emy Acha Paul Relative of KMP Any other transaction Deposit accepted (excluding CASA) 0 NIL 0 900000 900000
13 ESAF Small Finance Bank Ltd Emy Acha Paul Relative of KMP Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 900000 900000
14 ESAF Small Finance Bank Ltd Emy Acha Paul Relative of KMP Interest paid 0 NIL 100000 0 0
15 ESAF Small Finance Bank Ltd Beena George Relative of KMP Any other transaction Deposit accepted (excluding CASA) 0 NIL 1700000 1500000 1700000
16 ESAF Small Finance Bank Ltd Beena George Relative of KMP Any other transaction Deposit repaid (excluding CASA) 0 NIL 1600000 1500000 1700000
17 ESAF Small Finance Bank Ltd Beena George Relative of KMP Interest paid 0 NIL 100000 0 0
18 ESAF Small Finance Bank Ltd Miriam Ann Philip Relative of KMP Any other transaction Deposit accepted (excluding CASA) 0 NIL 100000 600000 800000
19 ESAF Small Finance Bank Ltd Miriam Ann Philip Relative of KMP Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 600000 800000
20 ESAF Small Finance Bank Ltd Miriam Ann Philip Relative of KMP Interest paid 0 NIL 0 0 0
21 ESAF Small Finance Bank Ltd Miriam Ann Philip Relative of KMP Remuneration 0 NIL 1000000 0 0
22 ESAF Small Finance Bank Ltd Cedar Retail Private Ltd Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Deposit accepted (excluding CASA) 0 NIL 0 0 0
23 ESAF Small Finance Bank Ltd Cedar Retail Private Ltd Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 0 0
24 ESAF Small Finance Bank Ltd Cedar Retail Private Ltd Related Company - Company in which Director /KMP /or their Relatives are members Interest paid 0 NIL 0 0 0
25 ESAF Small Finance Bank Ltd Dia Vikas Capital Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Deposit accepted (excluding CASA) 0 NIL 0 0 0
26 ESAF Small Finance Bank Ltd Dia Vikas Capital Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 0 0
27 ESAF Small Finance Bank Ltd Dia Vikas Capital Related Company - Company in which Director /KMP /or their Relatives are members Interest paid 0 NIL 0 0 0
28 ESAF Small Finance Bank Ltd ESAF Financial Holdings (P) Ltd Significant Investor Any other transaction Deposit accepted (excluding CASA) 0 NIL 556700000 51100000 201400000
29 ESAF Small Finance Bank Ltd ESAF Financial Holdings (P) Ltd Significant Investor Any other transaction Deposit repaid (excluding CASA) 0 NIL 407700000 51100000 201400000
30 ESAF Small Finance Bank Ltd ESAF Financial Holdings (P) Ltd Significant Investor Interest paid 0 NIL 10400000 0 0
31 ESAF Small Finance Bank Ltd ESAF Financial Holdings (P) Ltd Significant Investor Loan 0 NIL 0 200000000 200000000
32 ESAF Small Finance Bank Ltd ESAF Financial Holdings (P) Ltd Significant Investor Any other transaction Interest on Sub Debt 23000000 NIL 22500000 0 0
33 ESAF Small Finance Bank Ltd ESAF Foundation Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Deposit accepted (excluding CASA) 0 NIL 0 33500000 35600000
34 ESAF Small Finance Bank Ltd ESAF Foundation Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 33500000 35600000
35 ESAF Small Finance Bank Ltd ESAF Foundation Related Company - Company in which Director /KMP /or their Relatives are members Interest paid 0 NIL 19400000 0 0
36 ESAF Small Finance Bank Ltd ESAF Foundation Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction CSR 96000000 NIL 96000000 0 0
37 ESAF Small Finance Bank Ltd ESAF Foundation Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Royalty 135000000 NIL 0 0 0
38 ESAF Small Finance Bank Ltd ESAF Foundation Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Bank Guarantee 0 NIL 11000000 0 0
39 ESAF Small Finance Bank Ltd ESAF Foundation Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Royalty Payable 0 NIL 0 0 0
40 ESAF Small Finance Bank Ltd ESAF Foundation Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Charity 0 NIL 21100000 0 0
41 ESAF Small Finance Bank Ltd ESAF Swasraya Multi State Agro CO Operative Society LTD Promoter Group Any other transaction Deposit accepted (excluding CASA) 0 NIL 15200000 1326000000 117200000
42 ESAF Small Finance Bank Ltd ESAF Swasraya Multi State Agro CO Operative Society LTD Promoter Group Any other transaction Deposit repaid (excluding CASA) 0 NIL 1214800000 1326000000 117200000
43 ESAF Small Finance Bank Ltd ESAF Swasraya Multi State Agro CO Operative Society LTD Promoter Group Interest paid 0 NIL 61900000 0 0
44 ESAF Small Finance Bank Ltd ESAF Swasraya Multi State Agro CO Operative Society LTD Promoter Group Any other transaction Interest on PDI 158400000 NIL 62400000 0 0
45 ESAF Small Finance Bank Ltd ESAF Swasraya Multi State Agro CO Operative Society LTD Promoter Group Any other transaction Interest on Sub Debt 0 NIL 73900000 0 0
46 ESAF Small Finance Bank Ltd ESAF Swasraya Multi State Agro CO Operative Society LTD Promoter Group Any other transaction Sub Debt Repaid 0 NIL 450000000 850000000 400000000
47 ESAF Small Finance Bank Ltd ESAF Swasraya Multi State Agro CO Operative Society LTD Promoter Group Any other transaction PDI 0 NIL 0 480000000 480000000
48 ESAF Small Finance Bank Ltd ESAF Swasraya Multi State Agro CO Operative Society LTD Promoter Group Any other transaction BC Expenses 6000000000 NIL 2759800000 0 0
49 ESAF Small Finance Bank Ltd ESAF Swasraya Multi State Agro CO Operative Society LTD Promoter Group Any other transaction Retention Money Payable 0 NIL 32700000 0 0
50 ESAF Small Finance Bank Ltd ESAF Swasraya Multi State Agro CO Operative Society LTD Promoter Group Any other transaction BC Expenses Payable 0 NIL 139600000 0 0
51 ESAF Small Finance Bank Ltd ESAF Swasraya Multi State Agro CO Operative Society LTD Promoter Group Any other transaction Interest Payable on PDI 0 NIL 200000 0 0
52 ESAF Small Finance Bank Ltd ESAF Swasraya Multi State Agro CO Operative Society LTD Promoter Group Any other transaction Interest Payable on Subdebt 0 NIL 11500000 0 0
53 ESAF Small Finance Bank Ltd ESAF Swasraya Multi State Agro CO Operative Society LTD Promoter Group Any other transaction Corporate Facility Management 300000000 NIL 229900000 0 0
54 ESAF Small Finance Bank Ltd ESAF Swasraya Multi State Agro CO Operative Society LTD Promoter Group Any other transaction Corporate Facility Management Payable 0 NIL 42800000 0 0
55 ESAF Small Finance Bank Ltd ESAF Swasraya Producers Company Ltd Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Deposit accepted (excluding CASA) 0 NIL 0 0 0
56 ESAF Small Finance Bank Ltd ESAF Swasraya Producers Company Ltd Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 0 0
57 ESAF Small Finance Bank Ltd ESAF Swasraya Producers Company Ltd Related Company - Company in which Director /KMP /or their Relatives are members Interest paid 0 NIL 0 0 0
58 ESAF Small Finance Bank Ltd Lahanti Homes and Infrastructure Private Limited Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Deposit accepted (excluding CASA) 0 NIL 0 1800000 1900000
59 ESAF Small Finance Bank Ltd Lahanti Homes and Infrastructure Private Limited Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 1800000 1900000
60 ESAF Small Finance Bank Ltd Lahanti Homes and Infrastructure Private Limited Related Company - Company in which Director /KMP /or their Relatives are members Interest paid 0 NIL 200000 0 0
61 ESAF Small Finance Bank Ltd Lahanti Homes and Infrastructure Private Limited Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Rent 26000000 NIL 24100000 0 0
62 ESAF Small Finance Bank Ltd Rhema Kisan Producer Company Ltd Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Deposit accepted (excluding CASA) 0 NIL 0 0 0
63 ESAF Small Finance Bank Ltd Rhema Kisan Producer Company Ltd Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 0 0
64 ESAF Small Finance Bank Ltd Rhema Kisan Producer Company Ltd Related Company - Company in which Director /KMP /or their Relatives are members Interest paid 0 NIL 0 0 0
65 ESAF Small Finance Bank Ltd Prachodan Development Services Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Deposit accepted (excluding CASA) 0 NIL 0 0 0
66 ESAF Small Finance Bank Ltd Prachodan Development Services Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 0 0
67 ESAF Small Finance Bank Ltd Prachodan Development Services Related Company - Company in which Director /KMP /or their Relatives are members Interest paid 0 NIL 300000 0 0
68 ESAF Small Finance Bank Ltd Prachodan Development Services Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction CSR 90000000 NIL 90000000 0 0
69 ESAF Small Finance Bank Ltd Rhema Dairy Products India Pvt Ltd Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Deposit accepted (excluding CASA) 0 NIL 0 0 0
70 ESAF Small Finance Bank Ltd Rhema Dairy Products India Pvt Ltd Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 0 0
71 ESAF Small Finance Bank Ltd Rhema Dairy Products India Pvt Ltd Related Company - Company in which Director /KMP /or their Relatives are members Interest paid 0 NIL 0 0 0
72 ESAF Small Finance Bank Ltd Sa-Dhan Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Deposit accepted (excluding CASA) 0 NIL 9000000 5100000 9000000
73 ESAF Small Finance Bank Ltd Sa-Dhan Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 5100000 9000000
74 ESAF Small Finance Bank Ltd Sa-Dhan Related Company - Company in which Director /KMP /or their Relatives are members Interest paid 0 NIL 1400000 0 0
75 ESAF Small Finance Bank Ltd JRK Marketing Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Deposit accepted (excluding CASA) 0 NIL 0 0 0
76 ESAF Small Finance Bank Ltd JRK Marketing Related Company - Company in which Director /KMP /or their Relatives are members Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 0 0
77 ESAF Small Finance Bank Ltd JRK Marketing Related Company - Company in which Director /KMP /or their Relatives are members Interest paid 0 NIL 0 0 0
78 ESAF Small Finance Bank Ltd Anil Kumar Immediate relative of Ravimohan P R Any other transaction Deposit accepted (excluding CASA) 0 NIL 300000 0 300000
79 ESAF Small Finance Bank Ltd Anil Kumar Immediate relative of Ravimohan P R Interest paid 0 NIL 0 0 0
80 ESAF Small Finance Bank Ltd Benno Joseph Individual forming part of Promoter Group Interest paid 0 NIL 200000 2100000 2200000
81 ESAF Small Finance Bank Ltd Bosco Joseph Individual forming part of Promoter Group Interest paid 0 NIL 0 0 0
82 ESAF Small Finance Bank Ltd Bosco Joseph Individual forming part of Promoter Group Remuneration 0 NIL 6100000 0 0
83 ESAF Small Finance Bank Ltd Dev Bhoomi Eco Tourism Private Ltd Individual forming part of Promoter Group Any other transaction Deposit accepted (excluding CASA) 0 NIL 0 0 0
84 ESAF Small Finance Bank Ltd Dev Bhoomi Eco Tourism Private Ltd Individual forming part of Promoter Group Interest paid 0 NIL 0 0 0
85 ESAF Small Finance Bank Ltd George K John Executive Director Any other transaction Deposit accepted (excluding CASA) 0 NIL 200000 700000 1000000
86 ESAF Small Finance Bank Ltd George K John Executive Director Interest paid 0 NIL 100000 0 0
87 ESAF Small Finance Bank Ltd George K John Executive Director Remuneration 0 NIL 9100000 0 0
88 ESAF Small Finance Bank Ltd George Thomas Executive Vice President (HR) Any other transaction Deposit accepted (excluding CASA) 0 NIL 9400000 11400000 22000000
89 ESAF Small Finance Bank Ltd George Thomas Executive Vice President (HR) Any other transaction Deposit repaid (excluding CASA) 0 NIL 300000 11400000 22000000
90 ESAF Small Finance Bank Ltd George Thomas Executive Vice President (HR) Interest paid 0 NIL 1700000 0 0
91 ESAF Small Finance Bank Ltd George Thomas Executive Vice President (HR) Remuneration 0 NIL 6900000 0 0
92 ESAF Small Finance Bank Ltd George Thomas Executive Vice President (HR) Loan 0 NIL 2900000 0 2700000
93 ESAF Small Finance Bank Ltd George Thomas Executive Vice President (HR) Interest received 0 NIL 100000 0 0
94 ESAF Small Finance Bank Ltd Gireesh Chandrathil Nair EVP Finance &Chief Financial Officer Any other transaction Deposit accepted (excluding CASA) 0 NIL 100000 1800000 2000000
95 ESAF Small Finance Bank Ltd Gireesh Chandrathil Nair EVP Finance &Chief Financial Officer Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 1800000 2000000
96 ESAF Small Finance Bank Ltd Gireesh Chandrathil Nair EVP Finance &Chief Financial Officer Interest paid 0 NIL 200000 0 0
97 ESAF Small Finance Bank Ltd Gireesh Chandrathil Nair EVP Finance &Chief Financial Officer Remuneration 0 NIL 8500000 0 0
98 ESAF Small Finance Bank Ltd Hari Velloor Executive Vice President (Credit) Any other transaction Deposit accepted (excluding CASA) 0 NIL 1200000 11100000 12500000
99 ESAF Small Finance Bank Ltd Hari Velloor Executive Vice President (Credit) Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 11100000 12500000
100 ESAF Small Finance Bank Ltd Hari Velloor Executive Vice President (Credit) Interest paid 0 NIL 1200000 0 0
101 ESAF Small Finance Bank Ltd Hari Velloor Executive Vice President (Credit) Remuneration 0 NIL 6900000 0 0
102 ESAF Small Finance Bank Ltd Hebron Gardens Private Ltd Corporate Entity forming part of Promoter Group Any other transaction Deposit accepted (excluding CASA) 0 NIL 0 0 0
103 ESAF Small Finance Bank Ltd Hebron Gardens Private Ltd Corporate Entity forming part of Promoter Group Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 0 0
104 ESAF Small Finance Bank Ltd Hebron Gardens Private Ltd Corporate Entity forming part of Promoter Group Interest paid 0 NIL 0 0 0
105 ESAF Small Finance Bank Ltd Hemant Kumar Tamta Executive V.P (Assets) Any other transaction Deposit accepted (excluding CASA) 0 NIL 700000 3700000 1300000
106 ESAF Small Finance Bank Ltd Hemant Kumar Tamta Executive V.P (Assets) Any other transaction Deposit repaid (excluding CASA) 0 NIL 3000000 3700000 1300000
107 ESAF Small Finance Bank Ltd Hemant Kumar Tamta Executive V.P (Assets) Interest paid 0 NIL 300000 0 0
108 ESAF Small Finance Bank Ltd Hemant Kumar Tamta Executive V.P (Assets) Remuneration 0 NIL 6900000 0 0
109 ESAF Small Finance Bank Ltd John Samuel Non-Executive Nominee Director Any other transaction Deposit accepted (excluding CASA) 0 NIL 0 200000 200000
110 ESAF Small Finance Bank Ltd John Samuel Non-Executive Nominee Director Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 200000 200000
111 ESAF Small Finance Bank Ltd John Samuel Non-Executive Nominee Director Interest paid 0 NIL 0 0 0
112 ESAF Small Finance Bank Ltd John Samuel Non-Executive Nominee Director Any other transaction Sitting Fee 3000000 NIL 1300000 0 0
113 ESAF Small Finance Bank Ltd K C Ranjani Non-Executive Independent Director Any other transaction Deposit accepted (excluding CASA) 0 NIL 0 100000 0
114 ESAF Small Finance Bank Ltd K C Ranjani Non-Executive Independent Director Any other transaction Deposit repaid (excluding CASA) 0 NIL 100000 0 0
115 ESAF Small Finance Bank Ltd K C Ranjani Non-Executive Independent Director Interest paid 0 NIL 0 0 0
116 ESAF Small Finance Bank Ltd K C Ranjani Non-Executive Independent Director Any other transaction Sitting Fee 3000000 NIL 2100000 0 0
117 ESAF Small Finance Bank Ltd K Thomas Jacob Non-Executive Independent Director Any other transaction Deposit accepted (excluding CASA) 0 NIL 3200000 1000000 4500000
118 ESAF Small Finance Bank Ltd K Thomas Jacob Non-Executive Independent Director Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 1000000 4500000
119 ESAF Small Finance Bank Ltd K Thomas Jacob Non-Executive Independent Director Interest paid 0 NIL 1200000 0 0
120 ESAF Small Finance Bank Ltd K Thomas Jacob Non-Executive Independent Director Any other transaction Sitting Fee 3000000 NIL 2000000 0 0
121 ESAF Small Finance Bank Ltd Leo Joseph Individual forming part of Promoter Group Any other transaction Deposit accepted (excluding CASA) 0 NIL 0 2500000 2500000
122 ESAF Small Finance Bank Ltd Leo Joseph Individual forming part of Promoter Group Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 2500000 2500000
123 ESAF Small Finance Bank Ltd Leo Joseph Individual forming part of Promoter Group Interest paid 0 NIL 200000 0 0
124 ESAF Small Finance Bank Ltd M G Ajayan Non-Executive Nominee Director Any other transaction Deposit accepted (excluding CASA) 0 NIL 100000 300000 500000
125 ESAF Small Finance Bank Ltd M G Ajayan Non-Executive Nominee Director Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 300000 500000
126 ESAF Small Finance Bank Ltd M G Ajayan Non-Executive Nominee Director Interest paid 0 NIL 100000 0 0
127 ESAF Small Finance Bank Ltd M G Ajayan Non-Executive Nominee Director Any other transaction Sitting Fee 3000000 NIL 2700000 0 0
128 ESAF Small Finance Bank Ltd Mercy Mathew Individual forming part of Promoter Group Any other transaction Deposit accepted (excluding CASA) 0 NIL 0 0 0
129 ESAF Small Finance Bank Ltd Mercy Mathew Individual forming part of Promoter Group Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 0 0
130 ESAF Small Finance Bank Ltd Mercy Mathew Individual forming part of Promoter Group Interest paid 0 NIL 0 0 0
131 ESAF Small Finance Bank Ltd P R Ravimohan Non-Executive Independent Director Any other transaction Deposit accepted (excluding CASA) 3000000 NIL 0 0 0
132 ESAF Small Finance Bank Ltd P R Ravimohan Non-Executive Independent Director Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 0 0
133 ESAF Small Finance Bank Ltd P R Ravimohan Non-Executive Independent Director Interest paid 0 NIL 300000 0 0
134 ESAF Small Finance Bank Ltd P R Ravimohan Non-Executive Independent Director Any other transaction Sitting Fee 3000000 NIL 2200000 0 0
135 ESAF Small Finance Bank Ltd Rajee Karukulath Immediate relative of Ravimohan P R Any other transaction Deposit accepted (excluding CASA) 0 NIL 1200000 6900000 8100000
136 ESAF Small Finance Bank Ltd Rajee Karukulath Immediate relative of Ravimohan P R Any other transaction Deposit repaid (excluding CASA) 0 NIL 600000 6900000 8100000
137 ESAF Small Finance Bank Ltd Rajee Karukulath Immediate relative of Ravimohan P R Interest paid 0 NIL 600000 0 0
138 ESAF Small Finance Bank Ltd Ranjith Raj P Company Secretary Any other transaction Deposit accepted (excluding CASA) 0 NIL 100000 1000000 1200000
139 ESAF Small Finance Bank Ltd Ranjith Raj P Company Secretary Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 1000000 1200000
140 ESAF Small Finance Bank Ltd Ranjith Raj P Company Secretary Interest paid 0 NIL 100000 0 0
141 ESAF Small Finance Bank Ltd Ranjith Raj P Company Secretary Remuneration 0 NIL 3300000 0 0
142 ESAF Small Finance Bank Ltd Savio Joseph Individual forming part of Promoter Group Any other transaction Deposit accepted (excluding CASA) 0 NIL 0 0 0
143 ESAF Small Finance Bank Ltd Savio Joseph Individual forming part of Promoter Group Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 0 0
144 ESAF Small Finance Bank Ltd Savio Joseph Individual forming part of Promoter Group Interest paid 0 NIL 0 0 0
145 ESAF Small Finance Bank Ltd Sivakumar P Head - Internal Audit Any other transaction Deposit accepted (excluding CASA) 0 NIL 100000 700000 800000
146 ESAF Small Finance Bank Ltd Sivakumar P Head - Internal Audit Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 700000 800000
147 ESAF Small Finance Bank Ltd Sivakumar P Head - Internal Audit Interest paid 0 NIL 100000 0 0
148 ESAF Small Finance Bank Ltd Sivakumar P Head - Internal Audit Remuneration 0 NIL 2400000 0 0
149 ESAF Small Finance Bank Ltd Sudev kumar V EVP(Branch Banking) Any other transaction Deposit accepted (excluding CASA) 0 NIL 200000 100000 200000
150 ESAF Small Finance Bank Ltd Sudev kumar V EVP(Branch Banking) Any other transaction Deposit repaid (excluding CASA) 0 NIL 200000 100000 200000
151 ESAF Small Finance Bank Ltd Sudev kumar V EVP(Branch Banking) Interest paid 0 NIL 0 0 0
152 ESAF Small Finance Bank Ltd Sudev kumar V EVP(Branch Banking) Remuneration 0 NIL 5400000 0 0
153 ESAF Small Finance Bank Ltd Sudev kumar V EVP(Branch Banking) Loan 0 NIL 3800000 0 3700000
154 ESAF Small Finance Bank Ltd Sudev kumar V EVP(Branch Banking) Interest received 0 NIL 100000 0 0
155 ESAF Small Finance Bank Ltd Sunny Thomas Individual forming part of Promoter Group Any other transaction Deposit accepted (excluding CASA) 0 NIL 0 0 0
156 ESAF Small Finance Bank Ltd Sunny Thomas Individual forming part of Promoter Group Any other transaction Deposit repaid (excluding CASA) 0 NIL 0 0 0
157 ESAF Small Finance Bank Ltd Sunny Thomas Individual forming part of Promoter Group Interest paid 0 NIL 0 0 0
158 ESAF Small Finance Bank Ltd Vinod Vijayalakshmi Vasudevan Non-Executive Independent Director Any other transaction Deposit accepted (excluding CASA) 0 NIL 1500000 1600000 1500000
159 ESAF Small Finance Bank Ltd Vinod Vijayalakshmi Vasudevan Non-Executive Independent Director Any other transaction Deposit repaid (excluding CASA) 0 NIL 1500000 1600000 1500000
160 ESAF Small Finance Bank Ltd Vinod Vijayalakshmi Vasudevan Non-Executive Independent Director Interest paid 0 NIL 200000 0 0
161 ESAF Small Finance Bank Ltd Vinod Vijayalakshmi Vasudevan Non-Executive Independent Director Any other transaction Sitting Fee 600000 NIL 1300000 0 0
162 ESAF Small Finance Bank Ltd Wilson Cyriac Chief Risk Officer Any other transaction Deposit accepted (excluding CASA) 0 NIL 200000 500000 600000
163 ESAF Small Finance Bank Ltd Wilson Cyriac Chief Risk Officer Any other transaction Deposit repaid (excluding CASA) 0 NIL 100000 500000 600000
164 ESAF Small Finance Bank Ltd Wilson Cyriac Chief Risk Officer Interest paid 0 NIL 0 0 0
165 ESAF Small Finance Bank Ltd Wilson Cyriac Chief Risk Officer Remuneration 0 NIL 3100000 0 0
166 ESAF Small Finance Bank Ltd Biju Varkkey Non-Executive Independent Director (Additional) Any other transaction Sitting Fee 3000000 NIL 1300000 0 0
167 ESAF Small Finance Bank Ltd K Paul Thomas Managing Director and CEO - KMP Dividend paid 0 NIL 21800000 0 0
168 ESAF Small Finance Bank Ltd Mereena Paul Relative Of KMP Dividend paid 0 NIL 0 0 0
169 ESAF Small Finance Bank Ltd Emy Acha Paul Relative Of KMP Dividend paid 0 NIL 0 0 0
170 ESAF Small Finance Bank Ltd Alok Thomas Paul Relative Of KMP Dividend paid 0 NIL 0 0 0
171 ESAF Small Finance Bank Ltd Beena George Relative Of KMP Dividend paid 0 NIL 0 0 0
172 ESAF Small Finance Bank Ltd Bosco Joseph Individual forming part of Promoter Group Dividend paid 0 NIL 0 0 0
173 ESAF Small Finance Bank Ltd George K John Executive Director Dividend paid 0 NIL 0 0 0
174 ESAF Small Finance Bank Ltd Hari Velloor Executive Vice President (Credit) Dividend paid 0 NIL 0 0 0
175 ESAF Small Finance Bank Ltd Leo Joseph Individual forming part of Promoter Group Dividend paid 3000000 NIL 0 0 0
176 ESAF Small Finance Bank Ltd Savio Joseph Individual forming part of Promoter Group Dividend paid 3000000 NIL 0 0 0
177 ESAF Small Finance Bank Ltd ESAF Financial Holdings (P) Ltd Significant Investor Dividend paid 3000000 NIL 190800000 0 0
178 ESAF Small Finance Bank Ltd ESAF Swasraya Multi State Agro CO Operative Society LTD Promoter Group Dividend paid 0 NIL 15700000 0 0
179 ESAF Small Finance Bank Ltd Miriam Ann Philip Relative of KMP Dividend paid 0 NIL 0 0 0
180 ESAF Small Finance Bank Ltd Lahanti Homes and Infrastructure Private Limited Related Company - Company in which Director /KMP /or their Relatives are members Dividend paid 0 NIL 0 0 0
181 ESAF Small Finance Bank Ltd George Thomas Executive Vice President (HR) Dividend paid 0 NIL 0 0 0
182 ESAF Small Finance Bank Ltd Gireesh Chandrathil Nair EVP Finance &Chief Financial Officer Dividend paid 0 NIL 0 0 0
183 ESAF Small Finance Bank Ltd Hemant Kumar Tamta Executive V.P (Assets) Dividend paid 0 NIL 0 0 0
184 ESAF Small Finance Bank Ltd M G Ajayan Non-Executive Nominee Director Dividend paid 0 NIL 0 0 0
185 ESAF Small Finance Bank Ltd Ranjith Raj P Company Secretary Dividend paid 0 NIL 0 0 0
186 ESAF Small Finance Bank Ltd Sivakumar P Head - Internal Audit Dividend paid 0 NIL 0 0 0
187 ESAF Small Finance Bank Ltd Wilson Cyriac Chief Risk Officer Dividend paid 0 NIL 0 0 0
188 ESAF Small Finance Bank Ltd Ravi Venkataraman Non-Executive Independent Director Any other transaction Sitting Fee 3000000 NIL 1700000 0 0
189 ESAF Small Finance Bank Ltd V A joseph Non-Executive Independent Director Any other transaction Sitting Fee 3000000 NIL 2300000 0 0
190 ESAF Small Finance Bank Ltd ESAF Swasraya Multi State Agro CO Operative Society LTD Promoter Group Any other transaction Business Consideration 0 NIL 580600000 0 0
Total value of transaction during the reporting period 7335300000





Format for Disclosing Outstanding Default on Loans and Debt Securities
Sr. No. Particulars Amount Remarks
1. Loans / revolving facilities like cash credit from banks / financial institutions
A Total amount outstanding as on date
B Of the total amount outstanding, amount of default as on date
2. Unlisted debt securities i.e. NCDs and NCRPS
A Total amount outstanding as on date
B Of the total amount outstanding, amount of default as on date
3. Total financial indebtedness of the listed entity including short-term and long-term debt