Esaf Small Finance Bank Limited - Company Profile

It is a financial services public limited company based in Thrissur, Kerala, India, established in 2016.

2016 Thrissur, Kerala, India Active

Last Updated: January 08, 2026

About Esaf Small Finance Bank Limited

Esaf Small Finance Bank Limited, a active public limited company, was established on 05 May 2016 in Thrissur, Kerala, India. Engaging in microfinance institutions within the financial and insurance service sector, it holds CIN: L65990KL2016PLC045669. Registered under ROC Roc Ernakulam. it is listed. It has an authorized capital of ₹600.00 Cr and a paid-up capital of ₹515.57 Cr.

It upholds a compliant status. Employing 5,535 professional, Its leadership includes Paul Thomas Kadambelil (Managing Director), Vinod Vijayalekshmi Vasudevan (Director), John Samuel (Nominee Director). Past directors included George Joseph, Paul Thomas Kadambelil, Assan Khan Akbar. It holds no open charges and ₹1,531.64 Cr settled loans. Its latest AGM occurred on 24 September 2025, with the balance sheet filed on 31 March 2025. It is based at Building No.Vii/83/8,Esaf Bhavan, Thrissur-Palakkad National Highway, Mann, Uthy,, Thrissur, Kerala, 680651.

Company Details

CIN/LLPIN
L65990KL2016PLC045669
Registration Number
045669
Incorporation Date
05 May 2016
Authorized Capital
₹600.00 Cr
Paid-Up Capital
₹515.57 Cr
ROC Code
Roc Ernakulam
Listing Status
Listed
Company Status
Active

Key Metrics

Authorised Capital ₹ 600.00 Cr as on 08-01-2026
Paid Up Capital ₹ 515.57 Cr as on 08-01-2026
Company Age 9 Year, 9 Months
Last Filing with ROC 31 Mar 2025
Satisfied Charges ₹ 1,531.64 Cr as on 08-01-2026

Comprehensive Company Insights

Explore comprehensive insights into Esaf Small Finance Bank Limited — covering financial performance, compliance records, Competitor, shareholding patterns, directors, key metrics, and litigation history. Unlock to see detailed insights and stay informed.

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Who are the key members and board of directors at Esaf Small Finance Bank Limited?

Current Directors

Name	Designation	Appointment Date	Status
Paul Thomas Kadambelil	Managing Director	05 May 2016	Current
Vinod Vijayalekshmi Vasudevan	Director	22 Dec 2021	Current
John Samuel	Nominee Director	13 Dec 2022	Current
George Kalaparambil John	Whole-Time Director	18 May 2024	Current
Kolasseril Chandramohanan Ranjani	Director	13 Dec 2022	Current
Biju Varkkey	Director	17 Aug 2023	Current

Past Directors

Name	Designation	Cessation	Status
Pramod Abcsdd	Director	09 Mar 2020	Past
Pramod Abcsdd	Director	01 Oct 2018	Past
Pramod Abcsdd	Director	04 May 2020	Past
Pramod Abcsdd	Director	12 Dec 2022	Past
Pramod Abcsdd	Additional Director	13 Dec 2022	Past
Pramod Abcsdd	Director	13 Dec 2018	Past

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Financial Performance of Esaf Small Finance Bank.

Date	Amount	Transaction Name	Valuation	Lead Investors	Investors
Jul, 2021	Amount	Post-IPO - Grab	Valuation	investors	Emtek
Feb, 2021	Amount	Post-IPO - Grab	Valuation	investors	Signite Partners
Jan, 2021	Amount	Post-IPO - Grab	Valuation	investors	Hana Financial Group , GGV Capital
Feb, 2021	Amount	Post-IPO - Grab	Valuation	investors	Signite Partners

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Key Matrics
Balance Sheet
Profit and Loss
Cash Flow
Ratios

Metrics

(FY 2023)

YOY Growth

(FY 2022)

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(FY 2020)

(FY 2019)

Total Revenue

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Profit or Loss

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EBITDA

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What is the Ownership and Shareholding Structure of Esaf Small Finance Bank?

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Shareholding Pattern (FY 2024)

Promoters: 92.83%
Public: 4.10%
Others: 3.07%

Shareholding Pattern over the Year

	FY (2024)	FY (2023)	FY (2022)	FY (2021)	FY (2020)
Promoters	92.83	94.62	94.55	94.55	94.55
Public	4.10	3.89	3.95	3.96	3.98
Others	3.07	1.49	1.50	1.49	1.47

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Charges (Loans)

Open Charges

₹0

Satisfied Charges

₹15,316,431,771.00

Charges Breakdown by Lending Institutions

Others : 757.87 Cr
Axis Bank Limited : 195.72 Cr
Sidbi : 194.13 Cr
Hdfc Bank Limited : 135.00 Cr
State Bank Of India : 117.00 Cr
Others : 131.92 Cr

Latest Charge Details

Date	Lender	Amount	Status
10 Mar 2017	Others	₹29.98 Cr	Satisfied
10 Mar 2017	Others	₹115.00 Cr	Satisfied
10 Mar 2017	Axis Bank Limited	₹195.72 Cr	Satisfied
10 Mar 2017	Others	₹38.33 Cr	Satisfied
10 Mar 2017	Others	₹19.51 Cr	Satisfied

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How Many Employees Work at Esaf Small Finance Bank?

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Employee Date	Number of Employees
2020	78,000
2021	80,500
2022	83,200
2023	86,000
2024	89,500
2025	92,000

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Deals i

Gain comprehensive insights into the Deals and Valuation data of Esaf Small Finance Bank, offering detailed information on various transactions, including security allotment data. Explore the intricate details of financial agreements, mergers, acquisitions, divestitures, and strategic partnerships that have shaped Esaf Small Finance Bank's trajectory.

Rating

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Alerts

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Latest Updates, News, and FAQs on Esaf Small Finance Bank

Recent Activity within the Organization

Director Appointment

Progress on Ajay Sharma was appointed as a Director was appointed as a Director on 21 Dec 2025 & has been associated with this company since 2 months 5 days . was documented.
21 Dec 2025
Director Appointment

Progress on Maramkandathil George Ittan was appointed as a Director was appointed as a Director on 18 Nov 2025 & has been associated with this company since 3 months 7 days . was documented.
18 Nov 2025
Annual General Meeting

Esaf Small Finance Bank Limited last Annual general meeting of members was held on 24 Sep 2025 as per latest MCA records. was recorded as a recent event.
24 Sep 2025
Balance Sheet

Progress on Esaf Small Finance Bank Limited has filed its annual Financial statements for the year ended 31 Mar 2025 with Roc Ernakulam. was documented.
31 Mar 2025
Director Appointment

Progress on George Kalaparambil John was appointed as a Whole-time director was appointed as a Whole-time director on 18 May 2024 & has been associated with this company since 1 year 9 months . was documented.
18 May 2024
Director Appointment

The activity Biju Varkkey was appointed as a Director was appointed as a Director on 17 Aug 2023 & has been associated with this company since 2 years 6 months . was completed.
17 Aug 2023

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