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, 01:23 PM IST · BSE ID: 4ee41448-6751-4d63-991a-9c2dd4f108d7
View Original BSE Filing (PDF)
💡
In Simple Terms
The bank reported a net profit of Rs. 8,008 Lakh for the quarter, reversing a previous year's loss.
🤖 AI Summary
- ESAF Small Finance Bank reported an unaudited standalone net profit of Rs. 8,008 Lakh for Q1 FY27.
- The bank recorded an operating profit before provisions and contingencies of Rs. 34,898 Lakh.
- Capital Adequacy Ratio (Basel II) was 23.86% as of June 30, 2026.
- Gross NPA stood at 5.40%, with Net NPA at 0.83% for the quarter ended June 30, 2026.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net profit /(Loss) from ordinary activities after tax
8,008 Lakh
Not comparable — limited prior period data.
Interest Earned
1,09,777 Lakh
Not comparable — limited prior period data.
Operating Profit before provisions and contingencies
34,898 Lakh
Not comparable — limited prior period data.
% 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 experienced substantial growth in Interest Earned, reaching Rs. 1,09,777 Lakh, indicating an expansion in its loan book and investment portfolio.
Net profit significantly improved to Rs. 8,008 Lakh from a net loss of Rs. 8,122 Lakh in the prior year period. Capital Adequacy Ratio increased to 23.86%, enhancing financial stability.
The Gross NPA ratio reduced to 5.40% and Net NPA to 0.83%, reflecting improved asset quality and potentially more efficient loan recovery processes.
The reduction in both Gross and Net NPA ratios indicates a decreased credit risk profile compared to the previous year, enhancing the bank's resilience.
👥 What This Means For Shareholders
✅
Action Required
No action is required from shareholders based on this financial results filing.
👤
Who Is Affected
All shareholders are affected by the improved financial performance, with the bank moving from a net loss to a net profit of Rs. 8,008 Lakh.
🔍
Management Signal
The financial results indicate management's focus on improving profitability, asset quality, and capital adequacy of the bank.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 financial results — monitor sustained profitability and asset quality.
Investor presentation on financial and business performance – look for detailed outlook.
RBI guidelines or policy changes affecting small finance banks in India.
MEDIUM RISK
While NPA ratios improved, provisions remain significant and funding costs increased.
💡 Investor Takeaway
ESAF Small Finance Bank recorded an unaudited standalone net profit of Rs. 8,008 Lakh for the quarter ended June 30, 2026. This reverses a net loss of Rs. 8,122 Lakh in Q1 FY26. Asset quality improved with Gross NPA at 5.40% and Net NPA at 0.83%.
⚖️ Strengths & Concerns
✅ Positives
- Net profit of Rs. 8,008 Lakh in Q1 FY27, a substantial improvement from a net loss of Rs. 8,122 Lakh in Q1 FY26.
- Capital Adequacy Ratio (Basel II) strengthened to 23.86% as of June 30, 2026, from 22.74% in Q1 FY26.
⚠️ Concerns
- Provisions (other than tax) and contingencies remained substantial at Rs. 24,196 Lakh for the quarter.
- Interest expended increased to Rs. 51,369 Lakh, indicating higher funding costs compared to the previous year.
📅 Company Track Record
ESAF Small Finance Bank reported a net profit of Rs. 8,008 Lakh in Q1 FY27, a significant turnaround from a Rs. 8,122 Lakh net loss in Q1 FY26. The bank had swung to a Rs. 24 crore profit from a Rs. 183 crore loss year-on-year in the full FY26, with pre-provisioning profit surging 166.1% to Rs. 241 crore.
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.
What was ESAF Small Finance Bank's Gross NPA for Q1 FY27?
The bank's Gross NPA for the quarter ended June 30, 2026, was 5.40% of Gross Advances, with Net NPA at 0.83% of Net Advances.
What is the Capital Adequacy Ratio for ESAF Small Finance Bank as of June 30, 2026?
ESAF Small Finance Bank's Capital Adequacy Ratio (Basel II) stood at 23.86% for the quarter ended June 30, 2026.
What was the operating profit for ESAF Small Finance Bank before provisions in Q1 FY27?
Operating profit before provisions and contingencies for ESAF Small Finance Bank was Rs. 34,898 Lakh for the quarter ended June 30, 2026.
Questions based on this BSE filing only. For information purposes.