ESAF Small Finance Bank Ltd
Press Release on the Financial Results for the quarter ended June 30, 2026.
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 31 Jul 2026, 05:37 PM IST · BSE ID: dec32bc1-5da6-4069-a8e1-10415f73a6e5
View Original BSE Filing (PDF)
💡
In Simple Terms
The bank reported an ₹80 Crore profit, with its total loans and customer deposits together exceeding ₹50,000 Crore.
🤖 AI Summary
- ESAF Small Finance Bank reported a Profit After Tax (PAT) of ₹80 Crore for Q1 FY27.
- Total Business of the bank, combining advances and deposits, crossed ₹50,000 Crore.
- Gross Advances grew 27% YoY to ₹23,216 Crore, with secured advances at 62% of portfolio.
- Deposits increased 19% YoY to ₹26,924 Crore; CASA ratio stood at 23.4%.
- Asset quality improved with NNPA at 0.8% and Provision Coverage Ratio at 85.5% as of June 30, 2026.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Profit After Tax (PAT)
₹80 Crore
Not comparable — prior period was a loss
Total Business
₹50,000 Crore
Gross Advances
₹23,216 Crore
27%
Deposits
₹26,924 Crore
19%
Net Non-Performing Assets (NNPA)
0.8%
Provision coverage ratio
85.5%
Interest income
₹1,098 Crore
33%
Pre-Provision Operating Profit (PPOP)
₹349 Crore
179%
🏢 How This Affects the Company
The bank demonstrated robust business growth, with Gross Advances rising 27% YoY and Deposits increasing 19% YoY, driven by a strategic focus on secured lending and retail deposits. The Emerging Household (EH) portfolio grew 185% YoY, reflecting expanded customer relationships.
Profit After Tax was ₹80 Crore in Q1 FY27, a turnaround from a loss of ₹81 Crore in Q1 FY26. Net Interest Margin (NIM) improved from 6.0% to 7.9% YoY, while Cost to Income ratio improved to 58.1% from 78.2% YoY, indicating enhanced operational efficiency and profitability.
The increased proportion of secured advances to 62% of the portfolio (up from 59% last year) suggests a shift towards more stable and lower-risk lending operations. Slippages for Q1 FY27 were 84% lower compared to Q1 FY26, indicating better credit management.
Asset quality significantly strengthened, with GNPA/NNPA improving to 5.4%/0.8% from 7.5%/3.8% YoY, reducing credit risk exposure. The Provision Coverage Ratio increased to 85.5% from 73.2% YoY, enhancing protection against potential loan losses.
👥 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 as the company reported a significant turnaround to profitability and improvements in key financial and operational metrics, which reflect the bank's current performance.
🔍
Management Signal
The management signal indicates a strategic focus on diversified, secured, and customer-centric portfolio growth, coupled with efforts to enhance asset quality and operational efficiency.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 financial results — observe sustained PAT and business growth trends.
Asset quality updates — monitor GNPA and NNPA ratios in subsequent quarters.
Secured portfolio contribution — track progress towards balance sheet resilience.
LOW RISK
The filing reports significant improvements in asset quality, profitability, and business growth, reducing immediate financial risks.
💡 Investor Takeaway
ESAF Small Finance Bank reported a Profit After Tax of ₹80 Crore for Q1 FY27, reversing a ₹81 Crore loss in Q1 FY26. Total Business crossed ₹50,000 Crore, and Net Non-Performing Assets (NNPA) improved to 0.8%, indicating strengthened financial health and operational performance.
⚖️ Strengths & Concerns
✅ Positives
- Profit After Tax (PAT) of ₹80 Crore in Q1 FY27 marks a significant turnaround from a loss of ₹81 Crore in Q1 FY26.
- Asset quality strengthened with Net Non-Performing Assets (NNPA) improving to 0.8% from 3.8% YoY as of June 30, 2026.
⚠️ Concerns
- No specific weaknesses are detailed in the provided financial results press release for Q1 FY27.
📅 Company Track Record
ESAF Small Finance Bank was incorporated on March 10, 2017. The bank reported an ₹8,008 Lakh net profit in Q1 FY27, a turnaround from a loss of ₹81 Crore in Q1 FY26. In Q4 FY26, the bank swung to ₹24 crore profit from ₹183 crore loss YoY, with pre-provisioning profit surging 166.1% to ₹241 crore.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was ESAF Small Finance Bank's net profit in Q1 FY27?
ESAF Small Finance Bank reported a Profit After Tax (PAT) of ₹80 Crore in Q1 FY27, compared to a loss of ₹81 Crore in Q1 FY26.
What is the total business value reported by ESAF Small Finance Bank for Q1 FY27?
The total business, which includes Gross Advances and Deposits, for ESAF Small Finance Bank crossed ₹50,000 Crore in Q1 FY27.
How much did ESAF Small Finance Bank's gross advances grow in Q1 FY27?
Gross Advances for ESAF Small Finance Bank grew by 27% YoY to ₹23,216 Crore in Q1 FY27.
What is ESAF Small Finance Bank's Net Non-Performing Assets (NNPA) as of June 30, 2026?
As of June 30, 2026, ESAF Small Finance Bank's Net Non-Performing Assets (NNPA) improved to 0.8% from 3.8% as of June 30, 2025.
What was the growth in deposits for ESAF Small Finance Bank in Q1 FY27?
Deposits for ESAF Small Finance Bank grew by 19% YoY to ₹26,924 Crore in Q1 FY27.
Questions based on this BSE filing only. For information purposes.