ESAF Small Finance Bank Ltd
Unaudited Standalone Financial Results for the Quarter ended June 30, 2026.
RESULTS
▲ Positive Development
MEDIUM RISK
📅 Filed on BSE: 31 Jul 2026, 01:18 PM IST · BSE ID: 52f9c285-6c23-4a62-987b-b92924ca01a5
View Original BSE Filing (PDF)
💡
In Simple Terms
ESAF Small Finance Bank made a profit of Rs. 8,008 Lakh this quarter, a turnaround from a loss last year.
🤖 AI Summary
- ESAF Small Finance Bank reported an unaudited standalone net profit of Rs. 8,008 Lakh for the quarter ended June 30, 2026.
- Total Income for the quarter ended June 30, 2026, was Rs. 1,34,601 Lakh, up from Rs. 1,02,337 Lakh YoY.
- Operating Profit before provisions and contingencies stood at Rs. 34,898 Lakh, compared to Rs. 12,492 Lakh in Q1 FY26.
- Gross NPA to Gross Advances decreased to 5.40% from 7.48% YoY, while Net NPA to Net Advances decreased to 0.83% from 3.77% YoY.
- The Capital Adequacy Ratio (Basel II) was 23.86% as of June 30, 2026, compared to 22.74% on June 30, 2025.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net Profit/(Loss) for the Period/year
8,008 Lakh
Not comparable — limited prior period data.
Total Income
1,34,601 Lakh
31.53%
Operating Profit before provisions and contingencies
34,898 Lakh
179.36%
% of Gross NPA to Gross Advances
5.40%
Not comparable — limited prior period data.
% of Net NPA to Net Advances
0.83%
Not comparable — limited prior period data.
Capital Adequacy Ratio - Basel II
23.86%
Not comparable — limited prior period data.
🏢 How This Affects the Company
The bank's total income increased, with retail segment revenue growing from Rs. 81,636 Lakh to Rs. 1,14,136 Lakh YoY, indicating expansion in its core business operations.
Net profit of Rs. 8,008 Lakh reverses a net loss of Rs. (8,122) Lakh in the previous year's comparable quarter, improving overall earnings. Lower Net NPA to Net Advances at 0.83% from 3.77% also points to improved asset quality.
Reduction in Gross NPA to Gross Advances to 5.40% and Net NPA to Net Advances to 0.83% suggests reduced credit risk compared to the prior year.
👥 What This Means For Shareholders
✅
Action Required
No specific action is required from shareholders based on this financial results filing.
👤
Who Is Affected
All shareholders are affected by the improved financial performance, particularly the shift from a net loss to a net profit of Rs. 8,008 Lakh in Q1 FY27.
🔍
Management Signal
The Board's approval of the unaudited results with an unmodified opinion from auditors indicates a focus on financial stability and performance reporting.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 results — monitor sustained net profit and asset quality improvement.
Investor presentation — await detailed business performance and outlook.
RBI circulars — track any new guidelines impacting Small Finance Banks.
MEDIUM RISK
While asset quality improved, provisions remain high and overall market conditions for SFBs can be volatile.
💡 Investor Takeaway
ESAF Small Finance Bank reported an unaudited standalone net profit of Rs. 8,008 Lakh for the quarter ended June 30, 2026, a turnaround from a net loss of Rs. (8,122) Lakh in Q1 FY26. Total Income increased to Rs. 1,34,601 Lakh. Net NPA to Net Advances improved to 0.83% from 3.77% YoY.
⚖️ Strengths & Concerns
✅ Positives
- Net Profit surged to Rs. 8,008 Lakh for Q1 FY27, a significant improvement from a net loss of Rs. (8,122) Lakh in Q1 FY26.
- Net NPA to Net Advances decreased to 0.83% from 3.77% in the comparable prior year quarter, indicating improved asset quality.
⚠️ Concerns
- Provisions (other than tax) and contingencies remained substantial at Rs. 24,196 Lakh, slightly higher than Rs. 23,412 Lakh in Q1 FY26.
- Employees Cost for Q1 FY27 decreased to Rs. 17,979 Lakh from Rs. 19,057 Lakh in Q1 FY26, warranting closer scrutiny.
📅 Company Track Record
ESAF Small Finance Bank swung to ₹24 crore profit from ₹183 crore loss YoY in Q4 FY26, with pre-provisioning profit surging 166.1% to ₹241 crore. The current Q1 FY27 results continue this positive trend towards profitability.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was ESAF Small Finance Bank's net profit for the quarter ended June 30, 2026?
ESAF Small Finance Bank reported an unaudited standalone net profit of Rs. 8,008 Lakh for the quarter ended June 30, 2026.
How did ESAF Small Finance Bank's Total Income perform in Q1 FY27?
Total Income for ESAF Small Finance Bank was Rs. 1,34,601 Lakh for the quarter ended June 30, 2026, an increase from Rs. 1,02,337 Lakh in the comparable prior year quarter.
What were the NPA ratios for ESAF Small Finance Bank as of June 30, 2026?
As of June 30, 2026, the % of Gross NPA to Gross Advances was 5.40%, and the % of Net NPA to Net Advances was 0.83% for ESAF Small Finance Bank.
What was ESAF Small Finance Bank's Capital Adequacy Ratio (Basel II) for Q1 FY27?
The Capital Adequacy Ratio (Basel II) for ESAF Small Finance Bank stood at 23.86% as of June 30, 2026.
Questions based on this BSE filing only. For information purposes.