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ESAF Small Finance Bank Ltd provides banking services including savings, loans, insurance, and digital financial solutions. The bank targets underserved populations, offering accessible financial products while supporting inclusive economic growth.
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“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹2,511 Cr on total income of ₹4,759 Cr.
Cost-to-income ratio at 71.6%. Provision coverage at 19.8% of income.
“Gross NPA declined to 5.6% and Net NPA to 2.7% while slippages reduced sharply to 219 crores from 555 crores in Q3 FY25”
“net interest margin improved to 6.”
“'27, we expect that, the loan growth will be somewhere around 25 percentage”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | -9.3%▼ | 11.5% |
| Net Margin | -3.5%▼ | 12.1% |
| EBITDA Margin | 37.0%▼ | 67.3% |
| Debt To Equity | 14.52x▲ | 8.01x |
| NIM | 11.6%▼ | 390.0% |
| Cost To Income | 71.6% | - |
| Credit Deposit Ratio | 83.50x | 83.00x |
| (₹ Cr) | TTM | FY2025 | FY2024 |
|---|---|---|---|
| Interest on Advances | ₹3,117 Cr -8.6% | ₹3,411 Cr -1.5% | ₹3,461 Cr |
| Income on Investments | ₹411 Cr +2.1% | ₹402 Cr +13.9% | ₹353 Cr |
| ₹0.00 Cr -100.0% | ₹467 Cr +5.7% | ₹442 Cr | |
| Total Income | ₹4,348 Cr +0.4% | ₹4,329 Cr +1.6% | ₹4,260 Cr |
| Interest Expended | ₹1,837 Cr +1.5% | ₹1,811 Cr +25.0% | ₹1,449 Cr |
| Employee Cost | ₹692 Cr +4.8% | ₹660 Cr +81.9% | ₹363 Cr |
| Other Operating Expenses | ₹1,107 Cr -11.0% | ₹1,243 Cr -3.3% | ₹1,286 Cr |
| Provisions & Contingencies | ₹940 Cr -24.8% | ₹1,250 Cr +111.1% | ₹592 Cr |
| Total Expenditure | ₹3,636 Cr -2.1% | ₹3,714 Cr +19.9% | ₹3,098 Cr |
| Profit Before Tax | (₹228 Cr) +67.0% | (₹693 Cr) ↓ Decline | ₹570 Cr |
| Exceptional Items | ₹0.00 Cr +100.0% | (₹58 Cr) | ₹0.00 Cr |
| Tax | (₹62 Cr) +63.9% | (₹172 Cr) ↓ Decline | ₹145 Cr |
| Net Profit | (₹166 Cr) +68.1% | (₹521 Cr) ↓ Decline | ₹426 Cr |
| EPS | (₹3.23) | (₹10.12) | ₹8.27 |
| Diluted Shares | ₹52 Cr | ₹52 Cr | ₹51 Cr |
| Other Interest | ₹811 Cr | ₹0.00 Cr | ₹0.00 Cr |
| Non Performing Assets | ₹382 Cr -29.1% | ₹540 Cr +30.4% | ₹414 Cr |
| Gross Non Performing Assets | ₹1,214 Cr -5.9% | ₹1,291 Cr +44.5% | ₹893 Cr |
| Interest (RBI & Others) | ₹10 Cr -80.8% | ₹50 Cr | ₹4 Cr |
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ESAF Small Finance Bank Limited has informed the Exchange about Copy of Newspaper Publication of the Unaudited Standalone Financial Results for the quarter ended June 30, 2026.
ESAF Small Finance Bank Limited has informed the Exchange regarding a press release dated July 31, 2026, titled "Press Release on the Financial Results for the Quarter ended June 30, 2026. ".
ESAF Small Finance Bank Limited has informed the Exchange about Investor Presentation
ESAF Small Finance Bank Limited has submitted to the Exchange, the Unaudited Standalone Financial Results for the Quarter ended June 30, 2026.
ESAF Small Finance Bank Limited has informed the Exchange that the conference call for analysts and investors to discuss the results of the Unaudited Standalone Financial Results for the Quarter ended...
ESAF Small Finance Bank Limited has informed the Exchange regarding Allotment of Equity Shares under ESAF Employee Stock Option Scheme 2019.
ESAF Small Finance Bank Limited has informed the Exchange about General Updates
ESAF Small Finance Bank Limited has informed the Exchange about Copy of Newspaper Publication regarding the 10th Annual General Meeting of ESAF Small Finance Bank Limited.
ESAF Small Finance Bank Limited has informed the Exchange regarding 'Business Responsibility and Sustainability Report for the Financial Year 2025-26'.
ESAF Small Finance Bank Limited has informed the Exchange regarding 'Intimation of the Book Closure for Annual General Meeting of ESAF Small Finance Bank Limited'.
ESAF Small Finance Bank Limited has informed the Exchange regarding Notice of 10th Annual General Meeting to be held on Friday, August 14, 2026 at 3:00 P.M. (IST) through Video Conferencing ( VC ) / O...
ESAF Small Finance Bank Limited has informed the Exchange regarding allotment of Equity Shares under ESAF Employee Stock Option Scheme 2019.
ESAF Small Finance Bank Limited has informed the Exchange about Copy of Newspaper Publication regarding intimation of the 9th Annual General Meeting of the Bank.
ESAF Small Finance Bank Limited has informed the Exchange regarding 'Intimation of the date of the 10th Annual General Meeting of the Bank'.
ESAF Small Finance Bank Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended June 30, 2026.