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Company Filings, Explained Simply

AI-powered plain-English analysis of every important corporate announcement — financial results, order wins, dividends, mergers and more. Updated live.

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📋 Filing Types Available on ForgeUp Filings Sourced from BSE corporate announcements (equity segment). Companies covered are BSE-listed and most are also listed on NSE. We show only material filings.
Financial Results Orders Dividend Buyback Merger / Acquisition Board Meeting Outcome Fundraise (QIP / Rights / FPO) Regulatory / Court Order Credit Rating Change Promoter Pledge Update Management Change Joint Venture / MOU Delisting Bonus Shares Stock Split
Data sourced from BSE India corporate announcements. More categories will be added over time.
ESAF Small Finance Bank Ltd

ESAF Small Finance Bank: Q2 FY27 Net Profit Rs. 16,017 Lakh, Total Income Rs. 1,38,804 Lakh

RESULTS ▲ Positive Development LOW RISK
📅 Filed on BSE: 29 Oct 2026, 01:17 PM IST  ·  BSE ID: 3d6dfdab-13a5-42b5-aec1-a3e5b622bc88
View Original BSE Filing (PDF)
💡
In Simple Terms
ESAF Small Finance Bank announced its quarterly financial results, reporting a net profit and key lending metrics.
🤖 AI Summary
  • ESAF Small Finance Bank reported an unaudited standalone Net Profit after tax of Rs. 16,017 Lakh for Q2 FY27.
  • Total Income for the quarter ended September 30, 2026, was Rs. 1,38,804 Lakh.
  • Gross NPA stood at 2.84% and Net NPA at 0.34% as of September 30, 2026.
  • The Board recommended re-appointment of Shri. George Kalaparambil John as Whole Time Director for three years.
  • Capital Adequacy Ratio (Basel II) was reported at 24.14% for the quarter ended September 30, 2026.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net Profit /(Loss) for the Period/ year (Q2 FY27)
16,017 Lakh
99.9% (QoQ)
Total Income (Q2 FY27)
1,38,804 Lakh
3.12% (QoQ)
Gross NPA % (Q2 FY27)
2.84%
Net NPA % (Q2 FY27)
0.34%
Capital Adequacy Ratio - Basel II (Q2 FY27)
24.14%
🏢 How This Affects the Company
📈
Business Impact
The bank's retail segment generated the majority of segment revenue at Rs. 1,22,910 Lakh and contributed Rs. 18,447 Lakh to segment results for the quarter.
💰
Financial Impact
Net Profit after tax of Rs. 16,017 Lakh for the quarter contributes to the half-year net profit of Rs. 24,025 Lakh. Gross NPA decreased significantly to 2.84% from 5.40% in the previous quarter.
⚙️
Operational Impact
The recommendation for re-appointment of an Executive Director ensures continuity in the bank's senior management and strategic direction.
⚠️
Risk Impact
A reduction in Gross NPA to 2.84% and Net NPA to 0.34% indicates an improvement in asset quality, potentially reducing credit risk.
👥 What This Means For Shareholders
✅
Action Required
No immediate action is required by shareholders based on this financial results filing.
👤
Who Is Affected
All shareholders are affected by the improved financial performance and asset quality, as well as the proposed re-appointment of a Whole Time Director.
🔍
Management Signal
Management is focusing on profitability and asset quality improvement, alongside maintaining leadership continuity with the proposed director re-appointment.

For information only. Not investment advice. ForgeUp is not SEBI-registered.

👁 Watch List — track these upcoming events
RBI's approval for the re-appointment of Shri. George Kalaparambil John.
Press release and investor presentation on financial and business performance.
Q3 FY27 financial results for continued asset quality trends.
LOW RISK Financial results indicate strong improvements in profitability and asset quality, reducing immediate financial risks.
💡 Investor Takeaway
ESAF Small Finance Bank reported Net Profit after tax of Rs. 16,017 Lakh in Q2 FY27. Total Income was Rs. 1,38,804 Lakh, and Gross NPA decreased to 2.84%. The bank's Capital Adequacy Ratio is 24.14%.
⚖️ Strengths & Concerns

✅ Positives

  • Net Profit after tax for Q2 FY27 significantly improved to Rs. 16,017 Lakh from Rs. 8,008 Lakh in Q1 FY27.
  • Gross NPA percentage reduced to 2.84% in Q2 FY27 from 5.40% in Q1 FY27, indicating improved asset quality.

⚠️ Concerns

  • Operating Profit before provisions and contingencies for the half year ended September 30, 2026, is Rs. 71,137 Lakh, slightly below Rs. 71,197 Lakh for the full year ended March 31, 2026.
  • Other Income decreased to Rs. 21,333 Lakh in Q2 FY27 from Rs. 24,824 Lakh in Q1 FY27.
📅 Company Track Record
ESAF Small Finance Bank reported Rs. 8,008 Lakh net profit in Q1 FY27, with total business crossing Rs. 50,000 Crore. In Q4 FY26, the bank swung to a ₹24 crore profit from a ₹183 crore loss YoY.

Based on publicly available historical data. For context only.

❓ Frequently Asked Questions
What was ESAF Small Finance Bank's net profit in Q2 FY27?
ESAF Small Finance Bank reported a Net Profit after tax of Rs. 16,017 Lakh for the quarter ended September 30, 2026.
What was the total income for ESAF Small Finance Bank in Q2 FY27?
The Total Income for ESAF Small Finance Bank in Q2 FY27 was Rs. 1,38,804 Lakh.
What were ESAF Small Finance Bank's Gross and Net NPA percentages in Q2 FY27?
As of September 30, 2026, ESAF Small Finance Bank's Gross NPA was 2.84% and Net NPA was 0.34%.
What is ESAF Small Finance Bank's Capital Adequacy Ratio for Q2 FY27?
ESAF Small Finance Bank's Capital Adequacy Ratio (Basel II) for Q2 FY27 was 24.14%.

Questions based on this BSE filing only. For information purposes.

⚠️ For Information Only — Not Investment Advice
ForgeUp Filings provides AI-generated summaries of public BSE exchange announcements (equity segment) for informational purposes only. Nothing here constitutes investment advice or a recommendation to buy, sell, or hold any security. ForgeUp is not a SEBI-registered investment advisor. All financial numbers are sourced directly from BSE filings and shown as-is. Past data is historical only. Please consult a qualified financial advisor before making investment decisions. Data sourced from BSE India public disclosures.
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