ESAF Small Finance Bank (ESAFSFB) — Net Asset Quality Index
ESAF Small Finance Bank (ESAFSFB) has a Net Asset Quality Index of 5.8% as of March 2026. This metric measures the proportion of total assets financed by shareholders' equity — total assets of Rs308.68 Billion minus total liabilities of Rs290.81 Billion yields net assets of Rs17.87 Billion. A higher index indicates a stronger, lower-leverage balance sheet. Check ESAF Small Finance Bank (ESAFSFB) asset resilience to evaluate the company's liquid asset resilience ratio.
Quality Index
Net Assets
Total Assets
Total Liabilities
ESAF Small Finance Bank Net Asset Quality Index Over Time (2016–2025)
This chart shows how ESAF Small Finance Bank's Net Asset Quality Index has evolved across 10 annual periods from 2016 to 2025. As of March 2026, the index stands at 5.8%, representing net assets of Rs17.87 Billion against total assets of Rs308.68 Billion INR. See ESAFSFB working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Net Asset Quality Index for ESAF Small Finance Bank (2016–2025)
The table below presents the year-by-year Net Asset Quality Index for ESAF Small Finance Bank from 2016 to 2025, covering 10 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For market capitalisation and the full company profile, see ESAF Small Finance Bank stock valuation.
| Year | Quality Index | Net Assets (INR) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 5.8% | Rs17.87 Billion | Rs308.68 Billion | Rs290.81 Billion | ▼ -1.4 pp |
| 2024 | 7.2% | Rs19.49 Billion | Rs271.78 Billion | Rs252.29 Billion | ▼ -2.4 pp |
| 2023 | 9.6% | Rs24.92 Billion | Rs260.87 Billion | Rs235.95 Billion | ▲ +1.1 pp |
| 2022 | 8.5% | Rs17.15 Billion | Rs202.24 Billion | Rs185.09 Billion | ▲ +0.5 pp |
| 2021 | 8.0% | Rs14.12 Billion | Rs177.08 Billion | Rs162.96 Billion | ▼ -3.0 pp |
| 2020 | 11.0% | Rs13.52 Billion | Rs123.39 Billion | Rs109.87 Billion | ▼ -0.5 pp |
| 2019 | 11.4% | Rs10.84 Billion | Rs94.70 Billion | Rs83.86 Billion | ▼ -1.2 pp |
| 2018 | 12.7% | Rs8.94 Billion | Rs70.58 Billion | Rs61.65 Billion | ▲ +5.4 pp |
| 2017 | 7.3% | Rs3.43 Billion | Rs47.25 Billion | Rs43.82 Billion | ▼ -3.1 pp |
| 2016 | 10.4% | Rs3.06 Billion | Rs29.38 Billion | Rs26.32 Billion | — |