Audited Results of ESAF Small Finance Bank Ltd. Company

(Rs in Cr.)	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Operating Income	3,862.22	3,818.43	2,853.66	1,939.93	1,641.17
Manufacturing Expenses	0	0	0	0	0
Personnel Expenses	660.08	362.97	278	232.14	187.78
Selling Expenses	11.60	27.34	15.47	5.90	2.71
Administrative Expenses	2,480.66	1,799.79	1,382.95	1,010.06	687.25
Expenses Capitalised	0	0	0	0	0
Cost Of Sales	4,963.03	3,638.85	2,693.74	2,040.88	1,597.33
Operating Profit	-1,100.81	179.58	159.92	-100.96	43.84
Other Recurring Income	467.09	441.83	287.91	207.58	126.10
Adjusted PBDIT	2,427.05	2,662.42	1,952.82	1,317.41	1,163.99
Financial Expenses	1,810.69	1,448.73	1,017.32	792.79	719.58
Depreciation	59.25	50.99	41.79	32.77	28.57
Other Write offs	0	0	0	0	0
Adjusted PBT	-692.97	570.41	406.04	73.85	141.37
Tax Charges	-171.58	144.84	103.71	19.12	35.98
Adjusted PAT	-521.39	425.57	302.33	54.73	105.40
Non Recurring Items	0	0	0	0	0
Other Non Cash adjustments	0	0	0	0	0
Reported Net Profit	-521.39	425.57	302.33	54.73	105.40
Equity Dividend	36.03	0	0	0	0
Preference Dividend	0	0	0	0	0
Retained Earnings	299.85	967.59	623.83	360.98	332.59

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