ESAF Small Finance Bank (ESAFSFB) — Working Capital to Net Assets Ratio
ESAF Small Finance Bank (ESAFSFB) has a Working Capital to Net Assets ratio of -1247.0% as of September 2025. Working capital of Rs-218.68 Billion (current assets of Rs10.26 Billion minus current liabilities of Rs228.94 Billion) is measured against net assets of Rs17.54 Billion. A higher ratio indicates strong short-term liquidity financed by the equity base. See ESAF Small Finance Bank (ESAFSFB) defensive interval to measure how many days the company can operate on defensive assets alone.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
ESAF Small Finance Bank Working Capital to Net Assets (2016–2024)
This chart shows how ESAF Small Finance Bank's Working Capital to Net Assets ratio has evolved across 9 annual periods from 2016 to 2024. As of September 2025, the ratio stands at -1247.0%, reflecting working capital of Rs-218.68 Billion against net assets of Rs17.54 Billion INR. For the complete balance sheet picture, see total assets of ESAF Small Finance Bank.
Annual Working Capital to Net Assets for ESAF Small Finance Bank (2016–2024)
The table below presents the year-by-year Working Capital to Net Assets ratio for ESAF Small Finance Bank from 2016 to 2024, covering 9 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. Check asset resilience ratio of ESAF Small Finance Bank to evaluate the company's liquid asset resilience ratio.
| Year | WC/NA Ratio | Working Capital (INR) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2024 | -1072.5% | Rs-209.03 Billion | Rs19.49 Billion | Rs23.84 Billion | Rs232.87 Billion | ▼ -345.9 pp |
| 2023 | -726.6% | Rs-181.05 Billion | Rs24.92 Billion | Rs18.28 Billion | Rs199.33 Billion | ▲ +71.4 pp |
| 2022 | -798.0% | Rs-136.86 Billion | Rs17.15 Billion | Rs10.36 Billion | Rs147.22 Billion | ▼ -5.9 pp |
| 2021 | -792.1% | Rs-111.82 Billion | Rs14.12 Billion | Rs16.74 Billion | Rs128.56 Billion | ▼ -269.5 pp |
| 2020 | -522.6% | Rs-70.66 Billion | Rs13.52 Billion | Rs19.55 Billion | Rs90.21 Billion | ▲ +65.9 pp |
| 2019 | -588.6% | Rs-63.81 Billion | Rs10.84 Billion | Rs6.67 Billion | Rs70.47 Billion | ▼ -186.5 pp |
| 2018 | -402.1% | Rs-35.93 Billion | Rs8.94 Billion | Rs7.50 Billion | Rs43.44 Billion | ▲ +129.5 pp |
| 2017 | -531.6% | Rs-18.25 Billion | Rs3.43 Billion | Rs7.25 Billion | Rs25.50 Billion | ▼ -579.2 pp |
| 2016 | 47.6% | Rs1.46 Billion | Rs3.06 Billion | Rs5.69 Billion | Rs4.24 Billion | — |