ESAF Small Finance Bank (NSE:ESAFSFB) Total Liabilities: ₹290,815 Mil (As of Mar. 2026)


NSE:ESAFSFB ESAF Small Finance Bank Ltd NSE:ESAFSFB
50 GF Score
Price ₹34.15
GF Value ₹33.34
Valuation Fairly Valued
! 6 Warning Signs
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What is ESAF Small Finance Bank Total Liabilities?

ESAF Small Finance Bank NSE:ESAFSFB +1.70% 50 Total Liabilities is ₹290,815 Mil as of Mar. 2026. GuruFocus rates NSE:ESAFSFB with a GF Score™ of 50/100 and a GF Value™ of ₹33.34 (Fairly Valued). The stock has 6 warning signs investors should review.

ESAF Small Finance Bank's Total Liabilities for the quarter that ended in Mar. 2026 was ₹290,815 Mil.

ESAF Small Finance Bank's quarterly Total Liabilities declined from Sep. 2025 (₹253,753.40 Mil) to Dec. 2025 (₹0.00 Mil) but then increased from Dec. 2025 (₹0.00 Mil) to Mar. 2026 (₹290,814.50 Mil).

ESAF Small Finance Bank's annual Total Liabilities increased from Mar. 2024 (₹235,950.89 Mil) to Mar. 2025 (₹252,292.41 Mil) and increased from Mar. 2025 (₹252,292.41 Mil) to Mar. 2026 (₹290,814.50 Mil).

ESAF Small Finance Bank Total Liabilities Historical Data

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The historical data trend for ESAF Small Finance Bank's Total Liabilities can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

ESAF Small Finance Bank Total Liabilities Chart

ESAF Small Finance Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Total Liabilities
Get a 7-Day Free Trial Premium Member Only Premium Member Only 162,959.62 185,086.76 235,950.89 252,292.41 290,814.50

ESAF Small Finance Bank Quarterly Data
Sep19 Mar20 Sep20 Mar21 Mar22 Jun22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Total Liabilities Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 252,292.41 0.00 253,753.40 0.00 290,814.50
NSE:ESAFSFB
50GF Score
ESAF Small Finance Bank Ltd NSE:ESAFSFB
Total Liabilities is just one metric. See GF Score™, valuation, warning signs, and more.
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ESAF Small Finance Bank Total Liabilities Calculation

Total Liabilities are the liabilities that the company has to pay others. It is a part of the balance sheet of a company that shareholders do not own, and would be obligated to pay back if the company liquidated.

ESAF Small Finance Bank's Total Liabilities for the fiscal year that ended in Mar. 2026 is calculated as

Total Liabilities=Total Assets (A: Mar. 2026 )-Total Equity (A: Mar. 2026 )
=308679.8-17865.3
=290,815

ESAF Small Finance Bank's Total Liabilities for the quarter that ended in Mar. 2026 is calculated as

Total Liabilities=Total Assets (Q: Mar. 2026 )-Total Equity (Q: Mar. 2026 )
=308679.8-17865.3
=290,815

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Total Liabilities →
What does a Total Liabilities of ₹290,815 Mil mean?
ESAF Small Finance Bank (NSE:ESAFSFB) has a Total Liabilities of ₹290,815 Mil as of Mar. 2026. The total amount of liabilities as recorded on a company's balance sheet. View historical data for ESAF Small Finance Bank and its competitors.
Is ESAF Small Finance Bank's Total Liabilities too high?
ESAF Small Finance Bank's current Total Liabilities is ₹290,815 Mil. Overall, ESAF Small Finance Bank has a GF Score™ of 50/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does ESAF Small Finance Bank's Total Liabilities compare to PNC?
ESAF Small Finance Bank's Total Liabilities of ₹290,815 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Total Liabilities for a Banks company?
A good Total Liabilities depends on the Banks industry context. However, Total Liabilities should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Total Liabilities mean?
A high Total Liabilities can signal that a stock is expensive relative to its fundamentals. The total amount of liabilities as recorded on a company's balance sheet. View historical data for ESAF Small Finance Bank and its competitors. ESAF Small Finance Bank's current Total Liabilities is ₹290,815 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ESAF Small Finance Bank stock overvalued right now?
Based on GuruFocus' analysis, ESAF Small Finance Bank (NSE:ESAFSFB) is currently considered Fairly Valued. The stock's GF Value™ is ₹33.34, compared to a current price of ₹34.15 — trading 2.4% above its estimated fair value. The current Total Liabilities is ₹290,815 Mil. ESAF Small Finance Bank's overall GF Score™ is 50/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Total Liabilities calculated?
Total Liabilities is calculated from a company's financial statements. For ESAF Small Finance Bank (NSE:ESAFSFB), the current Total Liabilities is ₹290,815 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is ESAF Small Finance Bank (NSE:ESAFSFB) Overvalued in 2026?

Based on GuruFocus' analysis, ESAF Small Finance Bank stock appears to be overvalued. The current stock price of ₹34.15 is trading 2.4% above its estimated GF Value™ of ₹33.34. GuruFocus considers ESAF Small Finance Bank to be Fairly Valued.

Key valuation signals for NSE:ESAFSFB:

  • Total Liabilities: ₹290,815 Mil
  • GF Value™: ₹33.34 vs. price of ₹34.15 (2.4% above fair value)
  • GF Score™: 50/100 with 6 warning signs

No single metric tells the full story. See the NSE:ESAFSFB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

ESAF Small Finance Bank Business Description

Other Exchanges 544020:India
Address Thrissur-Palakkad National Highway, Building No.VII/83/8, ESAF Bhavan, Mannuthy, Thrissur, KL, IND, 680651
ESAF Small Finance Bank Ltd is one of the dominant small finance banks in India in terms of client base size, the yield on advances, Net Interest Margin, assets under management CAGR, total deposit CAGR, loan portfolio concentration in rural and semi-urban areas, and the ratio of microloan advances to gross advances. It delivers its products and services through its business correspondents, customer service centers (which are operated by its business correspondents), Branches, banking agents, ATMs, ATM cum debit cards, mobile banking platforms, SMS alerts, internet banking portals, & unified payment interface facilities. It has business segments, segregating them into Treasury, Wholesale Banking, Retail Banking, & Other Banking Operations. The majority of revenue comes from Retail Banking.
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Total Liabilities is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹34.15
Price
₹33.34
GF Value