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Esaf Small Finance Bank Limited

L65990KL2016PLC045669ActivePrivateUnlisted
Last updated: 2026-06-10
30
Compliance Health · F
3 / 9 signals passed

Esaf Small Finance Bank Limited is a Private Indian company incorporated in 2016 and based in Kerala, India. Esaf Small Finance Bank Limited operates in Financial Services (NIC 65990) with authorized capital of —. RegisterKaro's Compliance Health Score for the company is 30/100 (grade F), reflecting a weak compliance posture.

Risk FlagsFinancials not yet extracted · awaiting AOC-4 XBRLDirectors not yet extracted · awaiting MGT-7Health F · 30/100
Revenue (latest FY)
—
Awaiting extraction
PAT (latest FY)
—
Awaiting extraction
Open Charges
0
No encumbrances
Active Directors
0
No resignations
Paid-up Capital
—
—
Filings on Record
0
All current
Incorporated
2016
10 years old
State
Kerala
Sector
Financial Services
NIC 65990
Class
Private
Sub-category
—
Authorized Capital
—
Paid-up Capital
—
Members
—
Last AGM
—
Last Balance Sheet
—
Latest Filing
—
Registered Email
—
Registered Office
—
ESAF SMALL FINANCE BANK LIMITEDTRACXN · PUBLIC DATA
Brand ESAF SMALL FINANCE BANK LIMITED · Legal entity Esaf Small Finance Bank Limited

ESAF SMALL FINANCE BANK LIMITED is the legal entity of ESAF and ESAF Small Finance Bank.

Total Funding
Latest Round
—
Revenue
Valuation
Funding Rounds
—
Employees
11,256
Stage
Public
HQ
—
Founded
2016
Source: Tracxn (public profile) · joined to MCA on CIN L65990KL2016PLC045669

Quick facts

Identity · Activity · Auditor · Contact
Registered office
—
NIC code
65990
Statutory auditor
Awaiting ADT-1 / AOC-4 extraction
Registered email
—
Section
Financial Services
ROC
—
Website
https://smartodr.in/login
Class · sub-category
Private
Incorporation · Last AGM
— · —

Directors

From MGT-7 annual returnLocked
AM
Arun Malhotra
Director
1.9y · Chennai · DIN 9746783
KB
Kunal Bhatia
Managing Director
4.7y · Gurugram · DIN 5083954
Get the full board of directors

Directors, DINs & appointment history for Esaf Small Finance Bank Limited.

₹499₹169(excl. taxes)
Buy Financial & Company Filings
What you'll get
  • Incorporation Documents
  • Change in Directors & Designated Partner
  • Board Resolutions
  • Financial Statements & Annual Filings
  • Charge Documents (Summary)

MCA Filings

AOC-4 · MGT-7 historyLocked
FormFYFiledDueDelayStatus
AOC-4FY2024-2530 Oct 202430 Oct 20240dfiled
MGT-7FY2024-2521 Nov 202429 Nov 20240dfiled
AOC-4FY2023-2430 Oct 202330 Oct 2023+15dfiled
MGT-7FY2023-2426 Nov 202329 Nov 20230dfiled
AOC-4FY2022-2330 Oct 202230 Oct 2022+26dfiled
MGT-7FY2022-2326 Nov 202229 Nov 20220dfiled
Get financial statements & other filing documents

Full MCA filing history for Esaf Small Finance Bank Limited.

₹499₹169(excl. taxes)
Buy Financial & Company Filings
What you'll get
  • Incorporation Documents
  • Change in Directors & Designated Partner
  • Board Resolutions
  • Financial Statements & Annual Filings
  • Charge Documents (Summary)

Charges

Registered charges & encumbrancesLocked
Charge IDHolderAmountCreatedStatus
971099156Kotak Mahindra Bank Ltd(Bank)₹20.13 Cr19 Sep 2021Open
700529766Kotak Mahindra Bank Ltd(Bank)₹13.72 Cr04 Jul 2022Satisfied
962842356ICICI Bank Ltd(Bank)₹9.25 Cr12 Mar 2023Satisfied
495270807HDFC Bank Ltd(Bank)₹5.37 Cr12 Mar 2022Satisfied
126215302Kotak Mahindra Bank Ltd(Bank)₹22.64 Cr19 Sep 2021Open
See registered charges & lenders

Charge IDs, lenders & amounts for Esaf Small Finance Bank Limited.

₹499₹169(excl. taxes)
Buy Financial & Company Filings
What you'll get
  • Incorporation Documents
  • Change in Directors & Designated Partner
  • Board Resolutions
  • Financial Statements & Annual Filings
  • Charge Documents (Summary)

Financial Performance

Revenue · PAT · Net worth by FYLocked
FYRevenuePATNet WorthTotal AssetsEmployees
FY2024-25₹73.90 Cr₹11.41 L₹43.05 Cr₹112.16 Cr371
FY2023-24₹68.79 Cr₹67.06 L₹59.95 Cr₹101.03 Cr38
FY2022-23₹60.17 Cr₹-1.41 Cr₹67.21 Cr₹96.76 Cr54
FY2021-22₹56.84 Cr₹-58.46 L₹22.06 Cr₹53.41 Cr173
Gain deeper financial insights of this entity

Audited financials & ratios for Esaf Small Finance Bank Limited.

₹999₹249(excl. taxes)
Buy Financial Report
What you'll get
  • Financial Summary & Charts
  • Income Statement, Balance Sheet, Cashflow
  • Profitability, Liquidity & Growth Ratios
  • Audited Financial Statement (AOC-4)

Detailed Financials

Income statement + balance sheetLocked
Line itemFY2024-25FY2023-24FY2022-23FY2021-22
Income statement
Revenue from operations₹73.90 Cr₹68.79 Cr₹60.17 Cr₹56.84 Cr
Other income₹1.01 Cr₹1.72 Cr₹1.26 Cr₹71.09 L
Total income₹74.91 Cr₹70.51 Cr₹61.43 Cr₹57.55 Cr
Total expenses₹74.77 Cr₹69.66 Cr₹63.23 Cr₹58.30 Cr
Profit before tax₹14.83 L₹87.18 L₹-1.83 Cr₹-76.00 L
Profit / (Loss) after tax₹11.41 L₹67.06 L₹-1.41 Cr₹-58.46 L
Balance sheet
Equity / Net worth₹43.05 Cr₹59.95 Cr₹67.21 Cr₹22.06 Cr
Borrowings₹33.14 Cr₹8.77 Cr₹10.88 Cr₹8.81 Cr
Current liabilities₹36.29 Cr₹22.55 Cr₹15.48 Cr₹11.55 Cr
Total liabilities₹69.12 Cr₹41.08 Cr₹29.54 Cr₹31.34 Cr
Current assets₹50.62 Cr₹51.52 Cr₹46.62 Cr₹21.60 Cr
Cash & equivalents₹6.96 Cr₹15.82 Cr₹8.03 Cr₹5.07 Cr
Total assets₹112.16 Cr₹101.03 Cr₹96.76 Cr₹53.41 Cr
Employees3713854173
Gain deeper financial insights of this entity

Audited financials & ratios for Esaf Small Finance Bank Limited.

₹999₹249(excl. taxes)
Buy Financial Report
What you'll get
  • Financial Summary & Charts
  • Income Statement, Balance Sheet, Cashflow
  • Profitability, Liquidity & Growth Ratios
  • Audited Financial Statement (AOC-4)

Compounded Annual Growth Rate

Derived from multi-FY filingsLocked
MetricLatest value1Y CAGR3Y CAGR5Y CAGR
Revenue₹73.90 Cr+27.8%-2.0%+18.5%
Profit after Tax₹11.41 L+11.4%-4.4%+19.7%
Net Worth₹43.05 Cr+29.4%+9.5%+9.3%
Employees371+16.2%+27.4%+12.8%
Gain deeper financial insights of this entity

Audited financials & ratios for Esaf Small Finance Bank Limited.

₹999₹249(excl. taxes)
Buy Financial Report
What you'll get
  • Financial Summary & Charts
  • Income Statement, Balance Sheet, Cashflow
  • Profitability, Liquidity & Growth Ratios
  • Audited Financial Statement (AOC-4)

Financial Ratios

Profitability · leverage · efficiencyLocked
FYRevenuePATPAT marginRev growthROEROAD/ERev/emp
FY2024-25₹73.90 Cr₹11.41 L+0.15%+15.38%+0.26%+0.10%0.77₹19.92 L
FY2023-24₹68.79 Cr₹67.06 L+0.97%+2.09%+1.12%+0.66%0.15₹1.81 Cr
FY2022-23₹60.17 Cr₹-1.41 Cr-2.34%+1.56%-2.09%-1.45%0.16₹1.11 Cr
FY2021-22₹56.84 Cr₹-58.46 L-1.03%+5.00%-2.65%-1.09%0.40₹32.86 L
Gain deeper financial insights of this entity

Audited financials & ratios for Esaf Small Finance Bank Limited.

₹999₹249(excl. taxes)
Buy Financial Report
What you'll get
  • Financial Summary & Charts
  • Income Statement, Balance Sheet, Cashflow
  • Profitability, Liquidity & Growth Ratios
  • Audited Financial Statement (AOC-4)

Cap Table & Shareholding

Promoter · institutional · publicLocked
CategoryShareholdersShares held%
Promoters327,42,17868.88%
Institutional Investors26,11,20115.35%
Public & Others596,27,73015.77%
See the full shareholding pattern

Promoter, institutional & public holding for Esaf Small Finance Bank Limited.

₹499₹169(excl. taxes)
Buy Financial & Company Filings
What you'll get
  • Incorporation Documents
  • Change in Directors & Designated Partner
  • Board Resolutions
  • Financial Statements & Annual Filings
  • Charge Documents (Summary)

Peer Benchmark

106 peersSame sector + state + ±5y vintage
MetricThis companyCohort medianCohort P75Quartile
Revenue (latest FY)
—
PAT (latest FY)
—
Employees
—
2
2
—
Paid-up capital
—
Compliance Health
63
96
96
Bottom quartile · P1

Top 10 in Financial Services

by healthView all ›
01
Aha Holdings Private Limited
Maharashtra · Inc 2000
Paid-up
Revenue
A · 96
02
Kotak Investment Advisors Limited
Maharashtra · Inc 1994
Paid-up
Revenue
A · 96
03
Paid-up
Revenue
A · 96
04
Paid-up
Revenue
A · 96
05
Paid-up
Revenue
A · 96
06
Paid-up
Revenue
B · 80
07
Multi-Act
Maharashtra · Inc 1997
Paid-up
Revenue
C · 63
08
Hyundai Motor Group
Haryana · Inc 2000
Paid-up
Revenue
C · 63
09
Blacksoil
Maharashtra · Inc 2010
Paid-up
Revenue
C · 63
10
Xoomhr
Delhi · Inc 2011
Paid-up
Revenue
C · 63

External data sources

7 plannedWhat lands here as ingestion comes online

GSTIN Registrations

Planned
GST portal

Per-state GSTINs + GSTR-1/3B filing cadence + turnover bracket. PAN-keyed scrape.

MSME Payment Delays

Planned
MSME-1 form

Half-yearly disclosure of payments delayed beyond 45 days to MSME suppliers.

Related Party Transactions

Planned
AOC-4 schedule

Counterparty, nature, transaction value. Inter-company loans, sales, royalty.

Credit Ratings

Planned
CRISIL / ICRA / CARE feeds

Long-term + short-term ratings, with rationale on rating actions.

Trademarks

Planned
IP India Trademark Registry

Applied, registered, opposed. Class numbers + status.

Patents

Planned
IP India Patent Registry

Applications and grants. Inventor names + filing dates.

Legal Cases

Planned
eCourts + Indian Kanoon

Ongoing + past litigations the entity is party to.

Each source is wired as a separate ingestion adapter behind the scraper. Live status flips per CIN as records land.

FAQs about Esaf Small Finance Bank Limited

When was Esaf Small Finance Bank Limited incorporated?
Esaf Small Finance Bank Limited was incorporated in 2016. Its CIN is L65990KL2016PLC045669 and it is registered with the relevant Registrar of Companies.
Where is Esaf Small Finance Bank Limited located?
Esaf Small Finance Bank Limited is headquartered in Kerala.
What sector does Esaf Small Finance Bank Limited operate in?
Esaf Small Finance Bank Limited operates in the Financial Services sector (NIC code 65990), classified as Indian Non-Govt Company.
Who are the directors of Esaf Small Finance Bank Limited?
Director details for Esaf Small Finance Bank Limited have not yet been extracted from MGT-7 filings.
What is the paid-up capital of Esaf Small Finance Bank Limited?
Esaf Small Finance Bank Limited has authorized capital of — and paid-up capital of —.
Does Esaf Small Finance Bank Limited have any open charges?
Esaf Small Finance Bank Limited has no open MCA-registered charges on record.
What is Esaf Small Finance Bank Limited's Compliance Health Score?
RegisterKaro's Compliance Health Score for Esaf Small Finance Bank Limited is 30/100 (grade F), based on 9 weighted signals across MCA filings, charges, directors, capital, and overall status. 3 of 9 signals passed.