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

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Jun'26

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Interest Earned

1,097.77

995.08

894.05

819.82

828.23

892.06

947.85

Income On Investments

103.66

101.54

104.06

104.48

100.52

111.12

103.22

Interest On Balances With Rbi Other Inter Bank Funds

1.72

1.67

0.38

0.39

7.10

1.46

13.08

Interest / Discount On Advances / Bills

992.39

891.87

789.61

714.95

720.61

779.48

831.55

Others

0.00

Other Income

248.24

201.37

269.39

145.16

195.14

144.72

113.93

Total Income

1,346.01

1,196.45

1,163.44

964.98

1,023.37

1,036.78

1,061.78

Interest Expended

513.69

477.33

461.72

448.02

450.36

457.65

462.87

Net Interest Income

584.08

517.75

432.33

371.80

377.87

434.41

484.98

Total Expenditure (Excl Depreciation)

483.34

477.83

449.20

423.71

448.09

488.47

471.53

Employee Cost

179.79

173.46

169.76

158.40

190.43

184.80

178.67

Other Operating Expenses

303.55

304.37

279.44

265.31

257.66

303.67

292.86

Operating Profit Before Provisions and Contingencies

348.98

241.29

252.52

93.25

124.92

90.66

127.38

Exceptional Items

0.00

Provisions and contingencies

241.96

214.20

243.39

248.67

234.12

331.50

409.77

Profit Before Tax

107.02

27.09

9.13

-155.42

-109.20

-240.84

-282.39

Tax

26.94

3.58

2.01

-39.61

-27.98

-57.65

-71.49

Profit After Tax

80.08

23.51

7.12

-115.81

-81.22

-183.19

-210.90

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

80.08

23.51

7.12

-115.81

-81.22

-183.19

-210.90

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

1.55

0.46

0.14

-2.25

-1.58

-3.55

-4.09

Diluted Earnings per share

1.55

0.45

0.14

-2.24

-1.57

-3.55

-4.09

Operating Profit Margin (Excl OI)

33.93%

30.45%

22.53%

17.98%

17.63%

8.08%

7.02%

Gross Profit Margin

9.75%

2.72%

1.02%

-18.96%

-13.18%

-27.0%

-29.79%

PAT Margin

7.29%

2.36%

0.8%

-14.13%

-9.81%

-20.54%

-22.25%

Net Interest Margin

0.0%

7.3%

6.6%

5.9%

6.0%

6.9%

7.7%

Return on Assets

0.26%

0.08%

0.03%

-0.43%

-0.3%

-0.67%

-0.79%

CASA (%)

0.0%

23.9%

25.1%

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%

69.0%

53.8%

0.0%

73.2%

80.5%

0.0%

Amount of Gross NPAs

1,253.34

1,213.86

1,165.59

1,634.57

1,363.63

1,290.56

1,273.95

Amount of Net NPAs

184.12

382.44

547.94

696.40

660.90

539.64

520.46

% of Net NPAs

0.83%

1.77%

2.73%

3.83%

3.77%

2.99%

2.97%

% of Gross NPAs

5.4%

5.41%

5.64%

8.54%

7.48%

6.87%

6.96%

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

804.0

788.0

787.0

0.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Jun 2026 is 10.32% vs 11.3% in Mar 2026

Net Profit

QoQ Growth in quarter ended Jun 2026 is 240.62% vs 230.20% in Mar 2026

Operating Profit (PBDIT)

QoQ Growth in quarter ended Jun 2026 is 44.63% vs -4.45% in Mar 2026

% of Net NPAs

QoQ Growth in quarter ended Jun 2026 is -0.94% vs -0.96% in Mar 2026

% of Gross NPAs

QoQ Growth in quarter ended Jun 2026 is -0.01% vs -0.23% in Mar 2026

Compare Quarterly Results Of ESAF Small Fin With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

1,097.77

883.56

214.21

24.24%

Income On Investments

103.66

115.52

-11.86

-10.27%

Interest On Balances With Rbi Other Inter Bank Funds

1.72

15.06

-13.34

-88.58%

Interest / Discount On Advances / Bills

992.39

752.98

239.41

31.8%

Others

0.00

Other Income

248.24

118.81

129.43

108.94%

Total Income

1,346.01

1,002.37

343.64

34.28%

Interest Expended

513.69

461.49

52.20

11.31%

Net Interest Income

584.08

422.07

162.01

38.38%

Total Expenditure (Excl Depreciation)

483.34

477.32

6.02

1.26%

Employee Cost

179.79

240.63

-60.84

-25.28%

Other Operating Expenses

303.55

236.69

66.86

28.25%

Operating Profit Before Provisions and Contingencies

348.98

63.57

285.41

448.97%

Exceptional Items

0.00

Provisions and contingencies

241.96

108.98

132.98

122.02%

Profit Before Tax

107.02

-45.41

152.43

335.67%

Tax

26.94

-11.50

38.44

334.26%

Profit After Tax

80.08

-33.92

114.00

336.08%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

80.08

-33.92

114.00

336.08%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

1.55

-0.19

1.74

915.79%

Diluted Earnings per share

1.55

-0.19

1.74

915.79%

Operating Profit Margin (Excl OI)

33.93%

33.64%

0.00

0.29%

Gross Profit Margin

9.75%

-5.14%

0.00

14.89%

PAT Margin

7.29%

-3.84%

0.00

11.13%

Net Interest Margin

0.00%

0.00

0.00%

Return on Assets

0.26%

-0.12%

0.38

0.38%

CASA (%)

0.00%

0.00

0.00%

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%

0.00

0.00%

Amount of Gross NPAs

1,253.34

1,163.18

90.16

7.75%

Amount of Net NPAs

184.12

528.66

-344.54

-65.17%

% of Net NPAs

0.83%

2.86%

-2.03

-2.03%

% of Gross NPAs

5.40%

6.09%

-0.69

-0.69%

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

Quarterly - Interest Earned

Interest Earned 1097.77 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 10.32% vs 11.3% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 32.54% vs -18.99% in Jun 2025

Quarterly - Net Profit

Net Profit 80.08 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 240.62% vs 230.20% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 198.60% vs -229.39% in Jun 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 348.98 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 44.63% vs -4.45% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 179.36% vs -50.83% in Jun 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.83%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.94% vs -0.96% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -2.94% vs 0.55% in Jun 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 5.40%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.01% vs -0.23% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -2.08% vs 0.87% in Jun 2025