ESAF Small Finance Bank (ESAFSFB) - Total Liabilities

Latest as of March 2026: Rs290.81 Billion INR ≈ $3.15 Billion USD

Based on the latest financial reports, ESAF Small Finance Bank (ESAFSFB) has total liabilities worth Rs290.81 Billion INR (≈ $3.15 Billion USD) as of March 2026. Total liabilities represent everything the company owes to external parties, combining both current liabilities—like accounts payable, short-term debt, and accrued expenses—and non-current liabilities such as long-term debt, pension obligations, lease liabilities, and deferred tax liabilities.

ESAF Small Finance Bank - Total Liabilities Trend (2016–2025)

This chart illustrates how ESAF Small Finance Bank's total liabilities have evolved over time, based on quarterly financial data. See ESAFSFB working capital ratio to evaluate short-term liquidity relative to the company's equity base.

ESAF Small Finance Bank Competitors by Total Liabilities

The table below lists competitors of ESAF Small Finance Bank ranked by their total liabilities.

Company	Country	Total Liabilities
Sarfati TA:SRFT	Israel	ILA1.27 Billion
Elme Communities NYSE:ELME	USA	$1.88 Billion
Schaffer Corporation Ltd AU:SFC	Australia	AU$184.44 Million
ReposiTrak NASDAQ:TRAK	USA	$6.59 Million
Reach Subsea OL:REACH	Norway	Nkr2.23 Billion
Hanyang Securities Co Ltd KO:001755	Korea	₩1.25 Trillion
Falcon Oil & Gas Ltd F:FAC	Germany	€18.06 Million
Asian Sea Corporation Public Company Limited BK:ASIAN	Thailand	฿1.24 Billion

Liability Composition Analysis (2016–2025)

This chart breaks down ESAF Small Finance Bank's total liabilities into key components over time: long-term debt, short-term debt, other current liabilities, and other non-current liabilities. Toggle between absolute values and percentage view to see how the composition has shifted. For the full company profile including market capitalisation, see market cap of ESAF Small Finance Bank.

Liquidity & Leverage Metrics

Key Metrics Explained

Metric	Value	Description
Current Ratio	N/A	Measures ability to pay short-term obligations (Current Assets ÷ Current Liabilities)
Quick Ratio	N/A	More stringent measure of short-term liquidity ((Current Assets - Inventory) ÷ Current Liabilities)
Cash Ratio	N/A	Most conservative liquidity measure (Cash & Equivalents ÷ Current Liabilities)
Debt to Equity	16.28	Measures financial leverage (Total Liabilities ÷ Shareholder Equity)
Debt to Assets	0.94	Portion of assets financed with debt (Total Liabilities ÷ Total Assets)

Liability Trends Comparison

This chart compares key liability metrics across different time periods, showing how ESAF Small Finance Bank's debt structure has evolved. The comparison includes total liabilities, long-term debt, and current liabilities.

Annual Total Liabilities for ESAF Small Finance Bank (2016–2025)

The table below shows the annual total liabilities of ESAF Small Finance Bank from 2016 to 2025.

Year	Total Liabilities	Change
2025-12-31	Rs290.81 Billion ≈ $3.15 Billion	+15.27%
2024-12-31	Rs252.29 Billion ≈ $2.73 Billion	+6.93%
2023-12-31	Rs235.95 Billion ≈ $2.55 Billion	+27.48%
2022-12-31	Rs185.09 Billion ≈ $2.00 Billion	+13.58%
2021-12-31	Rs162.96 Billion ≈ $1.76 Billion	+48.33%
2020-12-31	Rs109.87 Billion ≈ $1.19 Billion	+31.01%
2019-12-31	Rs83.86 Billion ≈ $906.90 Million	+36.03%
2018-12-31	Rs61.65 Billion ≈ $666.69 Million	+40.68%
2017-12-31	Rs43.82 Billion ≈ $473.90 Million	+66.49%
2016-12-31	Rs26.32 Billion ≈ $284.64 Million	--

About ESAF Small Finance Bank

NSE:ESAFSFB India Banks - Regional

Market Cap

$178.57 Million

Rs16.51 Billion INR

Market Cap Rank

#17095 Global

#895 in India

Share Price

Rs32.02

Change (1 day)

+3.86%

52-Week Range

Rs19.86 - Rs35.49

All Time High

Rs77.55