| Margins | NIM improved to 7.9% from 6.0% YoY. |
|---|---|
| Demand visibility | Strong growth in Emerging Household and MARG portfolios. |
Growth
Gross Advances grew 27% YoY to ₹23,216 Cr. Net Interest Income surged 54.6% YoY to ₹584 Cr.
Outlook
Focus on granular retail deposits and increasing secured mix, which reached 62% in June-26 from 59% YoY.
Risks
Microfinance group loans declined 58% YoY. Kerala concentration remains high at 71% of deposits and 33% of advances.
Last quarter's promises, checked
Delivered
- Guided return to profitability → delivered ₹80 Cr Net Profit (= BEAT)
- Targeting shift to secured mix → delivered 62% secured portfolio (= BEAT)
- Guided NIM improvement → delivered 7.9% NIM vs 6.6% previous (= BEAT)
Partly delivered
- Guided FY27 loan growth ~25% → delivered 27% YoY growth (= BEAT)
Investor Presentation filed with BSE, 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.