| Margins | NIMs at 6.4% for FY26 vs 8.1% in FY25. |
|---|---|
| Demand visibility | Strong in rural/semi-urban segments. |
| Management confidence | High on secured lending shift. |
Growth
Gross advances grew 19.4% YoY to ₹22,426cr; M.A.R.G. portfolio disbursements grew 133% YoY.
Outlook
Strategy focuses on deepening rural penetration, increasing NRI remittances, and growing granular retail deposits (92% share).
Risks
Asset quality remains a focus with GNPA at 5.4%; FY26 ROA/ROE were negative at (0.6%) and (9.1%).
Earnings Call filed with NSE, NSE: ESAFSFB. Summary written with AI assistance from the document.
ESAF Small Finance Bank Ltd: key numbers
- Share price
- ₹42.86
- Market cap
- ₹2,212 Cr
- Revenue (annual)
- ₹3,537 Cr
- Net profit (annual)
- ₹-166.4 Cr
- P/E (TTM)
- -433.8×Sector 22.0×
- Promoter holding
- 63.25%-0.03% QoQ
- FII holding
- 0.31%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from ESAF Small Finance Bank Ltd
All →ESAF Small Finance Bank Debt & Borrowing: ₹2.5 Cr
ESAF Small Finance Bank Limited has paid quarterly interest of ₹2.50 Crore on its non-convertible securities. The payment pertains to ISIN INE818W08172 and was completed on September 25, 2026.
- Value
- ₹2.50 Cr
ESAF Small Finance Bank Fund Raise of ₹500 Cr
ESAF Small Finance Bank's board approved raising ₹500 Crore via private placement of Tier II Non-Convertible Debentures. This initiative supports the bank's business growth plans.
- Value
- ₹500.0 Cr
ESAF Small Finance Bank Capital Structure Change
ESAF Small Finance Bank Limited has allotted equity shares under its ESOP scheme, marginally increasing its paid-up share capital.
ESAF Small Finance Bank Employee Stock Options
ESAF Small Finance Bank allotted 11,757 equity shares to employees following the exercise of vested stock options. These shares rank pari-passu with existing equity.
ESAF Small Finance Bank Debt & Borrowing: ₹7.51 Cr
ESAF Small Finance Bank paid ₹7.51 Crore as interest for its non-convertible debentures, confirming compliance with SEBI Regulation 57.
- Value
- ₹7.51 Cr
ESAF Small Finance Bank Board Meeting Date
ESAF Small Finance Bank has scheduled a Board Meeting on September 23, 2026, to consider raising funds through the issuance of Non-Convertible Debentures.