ESAF Small Finance Bank (ESAFSFB) — Defensive Interval Ratio
ESAF Small Finance Bank (ESAFSFB) has a Defensive Interval Ratio of 6 days as of March 2025. Defensive assets of Rs3.83 Billion (cash Rs-, short-term investments Rs-, receivables Rs3.83 Billion) cover 6 days of daily cash needs of Rs638.00 Million/day. Check ESAF Small Finance Bank tangible book value ratio to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
ESAF Small Finance Bank Defensive Interval Ratio (2017–2024)
This chart shows how ESAF Small Finance Bank's Defensive Interval Ratio has evolved across 8 annual periods from 2017 to 2024. As of March 2025, the ratio stands at 6 days, meaning defensive assets of Rs3.83 Billion can fund 6 days of operations without new revenue. Also explore ESAF Small Finance Bank (ESAFSFB) net asset momentum to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for ESAF Small Finance Bank (2017–2024)
The table below presents the year-by-year Defensive Interval Ratio for ESAF Small Finance Bank from 2017 to 2024, covering 8 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see market cap of ESAF Small Finance Bank.
| Year | DIR (days) | Defensive Assets (INR) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2024 | 6 days | Rs3.83 Billion | Rs638.00 Million/day | Rs- | Rs- | ▲ +21 days |
| 2023 | -15 days | Rs-8.31 Billion | Rs546.12 Million/day | Rs- | Rs-12.17 Billion | ▼ -3 days |
| 2022 | -13 days | Rs-5.09 Billion | Rs403.34 Million/day | Rs- | Rs-7.66 Billion | ▼ -16 days |
| 2021 | 4 days | Rs1.35 Billion | Rs352.22 Million/day | Rs- | Rs- | ▲ +1 days |
| 2020 | 3 days | Rs767.51 Million | Rs247.16 Million/day | Rs- | Rs- | ▼ 0 days |
| 2019 | 3 days | Rs637.27 Million | Rs193.08 Million/day | Rs- | Rs- | ▼ 0 days |
| 2018 | 3 days | Rs409.34 Million | Rs119.01 Million/day | Rs- | Rs- | ▼ 0 days |
| 2017 | 4 days | Rs269.01 Million | Rs69.86 Million/day | Rs- | Rs- | — |