Annual Results Results Snapshot
Figures in Rs cr
Standalone Annual Results
Mar'24
Mar'23
Mar'22
Mar'21
Mar'18
Mar'17
Interest Earned
3,818.53
2,853.60
1,939.93
1,641.17
596.84
29.39
Income On Investments
352.95
312.04
188.31
0.00
0.00
0.00
Interest On Balances With Rbi Other Inter Bank Funds
4.16
9.57
24.91
0.00
0.00
0.00
Interest / Discount On Advances / Bills
3,461.42
2,531.99
1,726.71
0.00
0.00
0.00
Others
0.00
0.00
0.00
1,641.17
596.84
29.39
Other Income
441.72
287.97
207.58
127.25
101.86
18.82
Total Income
4,260.25
3,141.57
2,147.51
1,768.42
698.70
48.21
Interest Expended
1,448.73
1,017.32
792.79
719.58
314.82
16.11
Net Interest Income
2,369.80
1,836.28
1,147.14
921.59
282.02
13.28
Total Expenditure (Excl Depreciation)
1,648.83
1,230.54
862.87
631.86
304.48
23.41
Employee Cost
362.97
278.00
232.14
0.00
0.00
0.00
Other Operating Expenses
1,285.86
952.54
630.73
631.86
304.48
23.41
Operating Profit Before Provisions and Contingencies
1,162.69
893.71
491.85
416.98
79.40
8.69
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
592.28
487.67
418.00
275.61
52.41
7.93
Profit Before Tax
570.41
406.04
73.85
141.37
26.99
0.76
Tax
144.84
103.71
19.12
35.98
0.00
0.00
Profit After Tax
425.57
302.33
54.73
105.39
26.99
0.76
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
425.57
302.33
54.73
105.39
26.99
0.76
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
1,971.33
1,259.65
957.32
0.00
31.40
4.20
Earnings per share (EPS)
8.27
6.73
1.22
2.34
0.87
0.03
Diluted Earnings per share
8.94
6.71
1.22
2.46
0.89
0.07
Operating Profit Margin (Excl OI)
41.31%
39.79%
33.97%
44.71%
40.21%
-6.63%
Gross Profit Margin
14.94%
14.23%
3.81%
8.61%
4.52%
2.59%
PAT Margin
11.14%
10.59%
2.82%
6.42%
4.52%
2.59%
Net Interest Margin
10.7%
10.0%
0.0%
0.0%
0.0%
0.0%
Return on Assets
0.0%
0.0%
0.39%
0.0%
0.0%
0.0%
CASA (%)
43.5%
22.7%
0.0%
0.0%
0.0%
0.0%
CASA Amount
4,502.00
3,138.00
0.00
1,747.64
0.00
0.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
18.64%
0.0%
16.92%
16.27%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Provision Coverage Ratio (%)
65.2%
56.7%
0.0%
0.0%
0.0%
0.0%
Amount of Gross NPAs
893.04
351.69
949.59
564.00
1.21
0.08
Amount of Net NPAs
413.79
157.89
455.96
316.58
0.85
0.04
% of Net NPAs
2.26%
1.13%
3.92%
3.88%
2.69%
0.24%
% of Gross NPAs
4.76%
2.49%
7.83%
6.7%
3.79%
0.53%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
614.0
528.0
0.0
0.0
0.0
0.0
Number of Branches
753.0
0.0
0.0
0.0
0.0
0.0
Annual Analysis Highlights
Interest Earned
YoY Growth in year ended Mar 2024 is 33.81% vs 47.1% in Mar 2023
Net Profit
YoY Growth in year ended Mar 2024 is 40.76% vs 452.40% in Mar 2023
Operating Profit (PBDIT)
YoY Growth in year ended Mar 2024 is 30.10% vs 81.70% in Mar 2023
% of Net NPAs
YoY Growth in year ended Mar 2024 is 1.13% vs -2.79% in Mar 2023
% of Gross NPAs
YoY Growth in year ended Mar 2024 is 2.27% vs -5.34% in Mar 2023
Compare Annual Results Of ESAF Small Fin With
Figures in Rs cr
Standalone Annual Results
Change(INR)
Change(%)
Interest Earned
3,818.53
2,58,340.56
-2,54,522.03
-98.52%
Income On Investments
352.95
44,364.28
-44,011.33
-99.2%
Interest On Balances With Rbi Other Inter Bank Funds
4.16
2,040.47
-2,036.31
-99.8%
Interest / Discount On Advances / Bills
3,461.42
2,07,220.01
-2,03,758.59
-98.33%
Others
0.00
4,715.80
-4,715.80
-100.0%
Other Income
441.72
49,240.99
-48,799.27
-99.1%
Total Income
4,260.25
3,07,581.55
-3,03,321.30
-98.61%
Interest Expended
1,448.73
1,49,808.10
-1,48,359.37
-99.03%
Net Interest Income
2,369.80
1,08,532.46
-1,06,162.66
-97.82%
Total Expenditure (Excl Depreciation)
1,648.83
63,386.01
-61,737.18
-97.4%
Employee Cost
362.97
22,240.21
-21,877.24
-98.37%
Other Operating Expenses
1,285.86
41,145.80
-39,859.94
-96.87%
Operating Profit Before Provisions and Contingencies
1,162.69
94,387.44
-93,224.75
-98.77%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
592.28
23,492.14
-22,899.86
-97.48%
Profit Before Tax
570.41
70,895.30
-70,324.89
-99.2%
Tax
144.84
10,083.03
-9,938.19
-98.56%
Profit After Tax
425.57
60,812.27
-60,386.70
-99.3%
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
425.57
60,812.27
-60,386.70
-99.3%
Face Value
10.00
1.00
0.00
Reserves
1,971.33
4,36,833.39
-4,34,862.06
-99.55%
Earnings per share (EPS)
8.27
80.05
-71.78
-89.67%
Diluted Earnings per share
8.94
85.44
-76.50
-89.54%
Operating Profit Margin (Excl OI)
41.31%
66.37%
0.00
-25.06%
Gross Profit Margin
14.94%
27.44%
0.00
-12.50%
PAT Margin
11.14%
23.54%
0.00
-12.40%
Net Interest Margin
10.70%
3.40%
7.30
7.30%
Return on Assets
0.00%
1.98%
-1.98
-1.98%
CASA (%)
43.50%
38.00%
5.50
5.50%
CASA Amount
4,502.00
9,08,700.00
-9,04,198.00
-99.5%
Capital Adequacy Ratio (Total)
0.00%
18.80%
-18.80
-18.80%
Capital Adequacy Ratio (Tier 1)
0.00%
16.79%
-16.79
-16.79%
Provision Coverage Ratio (%)
65.20%
74.00%
-8.80
-8.80%
Amount of Gross NPAs
893.04
31,173.32
-30,280.28
-97.14%
Amount of Net NPAs
413.79
8,091.74
-7,677.95
-94.89%
% of Net NPAs
2.26%
0.33%
1.93
1.93%
% of Gross NPAs
4.76%
1.24%
3.52
3.52%
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
614.00
20,938.00
-20,324.00
-97.07%
Number of Branches
753.00
8,738.00
-7,985.00
-91.38%
Annual - Interest Earned
Interest Earned 3818.53 Cr
in Mar 2024Figures in Rs Cr
YoY Growth in year ended Mar 2024 is 33.81% vs 47.1% in Mar 2023
Annual - Net Profit
Net Profit 425.57 Cr
in Mar 2024Figures in Rs Cr
YoY Growth in year ended Mar 2024 is 40.76% vs 452.40% in Mar 2023
Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 1,162.69 Cr
in Mar 2024Figures in Rs Cr
YoY Growth in year ended Mar 2024 is 30.10% vs 81.70% in Mar 2023
Annual - % of Net NPAs
% of Net NPAs 2.26%
in Mar 2024Figures in Rs %
YoY Growth in year ended Mar 2024 is 1.13% vs -2.79% in Mar 2023
Annual - % of Gross NPAs
% of Gross NPAs 4.76%
in Mar 2024Figures in Rs %
YoY Growth in year ended Mar 2024 is 2.27% vs -5.34% in Mar 2023
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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