ESAF Small Finance Bank Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Interest Earned

995.08

894.05

819.82

828.23

892.06

947.85

995.28

Income On Investments

101.54

104.06

104.48

100.52

111.12

103.22

94.85

Interest On Balances With Rbi Other Inter Bank Funds

1.67

0.38

0.39

7.10

1.46

13.08

23.22

Interest / Discount On Advances / Bills

891.87

789.61

714.95

720.61

779.48

831.55

877.21

Others

0.00

Other Income

201.37

269.39

145.16

195.14

144.72

113.93

97.73

Total Income

1,196.45

1,163.44

964.98

1,023.37

1,036.78

1,061.78

1,093.01

Interest Expended

477.33

461.72

448.02

450.36

457.65

462.87

456.06

Net Interest Income

517.75

432.33

371.80

377.87

434.41

484.98

539.22

Total Expenditure (Excl Depreciation)

477.83

449.20

423.71

448.09

488.47

471.53

493.92

Employee Cost

173.46

169.76

158.40

190.43

184.80

178.67

193.06

Other Operating Expenses

304.37

279.44

265.31

257.66

303.67

292.86

300.86

Operating Profit Before Provisions and Contingencies

241.29

252.52

93.25

124.92

90.66

127.38

143.03

Exceptional Items

0.00

Provisions and contingencies

214.20

243.39

248.67

234.12

331.50

409.77

339.69

Profit Before Tax

27.09

9.13

-155.42

-109.20

-240.84

-282.39

-254.66

Tax

3.58

2.01

-39.61

-27.98

-57.65

-71.49

-64.59

Profit After Tax

23.51

7.12

-115.81

-81.22

-183.19

-210.90

-190.07

Extraordinary Items

0.00

-58.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

23.51

7.12

-115.81

-81.22

-183.19

-210.90

-132.07

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

0.46

0.14

-2.25

-1.58

-3.55

-4.09

-3.69

Diluted Earnings per share

0.45

0.14

-2.24

-1.57

-3.55

-4.09

-3.69

Operating Profit Margin (Excl OI)

30.45%

22.53%

17.98%

17.63%

8.08%

7.02%

10.42%

Gross Profit Margin

2.72%

1.02%

-18.96%

-13.18%

-27.0%

-29.79%

-25.59%

PAT Margin

2.36%

0.8%

-14.13%

-9.81%

-20.54%

-22.25%

-19.1%

Net Interest Margin

0.0%

6.0%

8.08%

0.0%

Return on Assets

0.08%

0.03%

-0.43%

-0.3%

-0.67%

-0.79%

-0.7%

CASA (%)

0.0%

24.8%

0.0%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

0.0%

73.2%

80.5%

0.0%

Amount of Gross NPAs

1,213.86

1,165.59

1,634.57

1,363.63

1,290.56

1,273.95

1,279.33

Amount of Net NPAs

382.44

547.94

696.40

660.90

539.64

520.46

524.94

% of Net NPAs

1.77%

2.73%

3.83%

3.77%

2.99%

2.97%

2.98%

% of Gross NPAs

5.41%

5.64%

8.54%

7.48%

6.87%

6.96%

6.98%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

720.0

718.0

713.0

693.0

0.0

Number of Branches

0.0

788.0

787.0

0.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Mar 2026 is 11.3% vs 9.05% in Dec 2025

Net Profit

QoQ Growth in quarter ended Mar 2026 is 230.20% vs 106.15% in Dec 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Mar 2026 is -4.45% vs 170.80% in Dec 2025

% of Net NPAs

QoQ Growth in quarter ended Mar 2026 is -0.96% vs -1.10% in Dec 2025

% of Gross NPAs

QoQ Growth in quarter ended Mar 2026 is -0.23% vs -2.90% in Dec 2025

Compare Quarterly Results Of ESAF Small Fin With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

995.08

543.87

451.21

82.96%

Income On Investments

101.54

51.76

49.78

96.17%

Interest On Balances With Rbi Other Inter Bank Funds

1.67

12.53

-10.86

-86.67%

Interest / Discount On Advances / Bills

891.87

479.58

412.29

85.97%

Others

0.00

Other Income

201.37

80.88

120.49

148.97%

Total Income

1,196.45

624.75

571.70

91.51%

Interest Expended

477.33

267.06

210.27

78.74%

Net Interest Income

517.75

276.81

240.94

87.04%

Total Expenditure (Excl Depreciation)

477.83

268.68

209.15

77.84%

Employee Cost

173.46

127.90

45.56

35.62%

Other Operating Expenses

304.37

140.78

163.59

116.2%

Operating Profit Before Provisions and Contingencies

241.29

89.01

152.28

171.08%

Exceptional Items

0.00

Provisions and contingencies

214.20

41.22

172.98

419.65%

Profit Before Tax

27.09

47.79

-20.70

-43.31%

Tax

3.58

11.23

-7.65

-68.12%

Profit After Tax

23.51

36.56

-13.05

-35.69%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

23.51

36.56

-13.05

-35.69%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

0.46

3.44

-2.98

-86.63%

Diluted Earnings per share

0.45

3.44

-2.99

-86.92%

Operating Profit Margin (Excl OI)

30.45%

43.02%

0.00

-12.57%

Gross Profit Margin

2.72%

8.79%

0.00

-6.07%

PAT Margin

2.36%

6.72%

0.00

-4.36%

Net Interest Margin

0.00%

7.30%

-7.30

-7.30%

Return on Assets

0.08%

0.00%

0.08

0.08%

CASA (%)

0.00%

21.20%

-21.20

-21.20%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

0.00%

0.00

0.00%

Capital Adequacy Ratio (Tier 1)

0.00%

0.00

0.00%

Provision Coverage Ratio (%)

0.00%

36.60%

-36.60

-36.60%

Amount of Gross NPAs

1,213.86

790.35

423.51

53.59%

Amount of Net NPAs

382.44

501.06

-118.62

-23.67%

% of Net NPAs

1.77%

4.35%

-2.58

-2.58%

% of Gross NPAs

5.41%

6.69%

-1.28

-1.28%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

0.00

Number of Branches

0.00

712.00

-712.00

-100.0%

Quarterly - Interest Earned

Interest Earned 995.08 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 11.3% vs 9.05% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 11.55% vs -10.97% in Mar 2025

Quarterly - Net Profit

Net Profit 23.51 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 230.20% vs 106.15% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 112.83% vs -522.58% in Mar 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 241.29 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is -4.45% vs 170.80% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 166.15% vs -68.15% in Mar 2025

Quarterly - % of Net NPAs

% of Net NPAs 1.77%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.96% vs -1.10% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -1.22% vs 0.73% in Mar 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 5.41%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.23% vs -2.90% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -1.46% vs 2.11% in Mar 2025