ESAF Small Finance Bank (ESAFSFB)

Unlike most banks, ESAF Small Finance Bank has had only one MD & CEO — its founder, Dr. K. Paul Thomas — across its entire history since the bank's 2017 launch; the table above therefore reflects his successive RBI-approved terms rather than different individuals. Exact start dates for the founding and second terms are approximate (~) as precise RBI approval letters for those earlier renewals were not confirmed from public sources at the time of writing; please cross-check on ESAF SFB's official investor relations page.

Figures compiled from ESAF SFB's published quarterly/annual results, exchange filings and analyst/press coverage. The bank's microfinance-heavy loan book was hit hard by the industry-wide MFI asset-quality stress cycle of FY2024-25 — GNPA rose from 4.80% (FY24) to 6.90% (FY25) and the bank swung to a full-year net loss of ₹521 Cr in FY25 (from a ₹425.57 Cr profit in FY24); FY2025-26 saw a partial recovery, with GNPA easing to 5.41% and the bank returning to a profitable Q4 (₹23.5 Cr) even as the full-year FY26 result remained a narrowed net loss of ₹166.40 Cr. FY 2024-25 deposits/advances (marked ~) are estimated by working back from FY26's confirmed year-on-year growth rates (deposits +11.1%, advances +19.4%); FY 2022-23 GNPA/NNPA and FY 2025-26 CRAR (marked ~) could not be precisely confirmed from public sources at the time of writing. Always verify precise numbers on ESAF SFB's official Investor Relations page before making financial decisions.