Earnings Review
ESAF Small Fin Q4 PAT up as provisions fall, income rises
This story was originally published at 18:25 IST on 30 April 2026
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--ESAF Small Finance Bank Q4 net profit INR 235.1 mln
--ESAF Small Finance Bank Q4 PAT INR 235.1 mln vs loss INR 1.83 bln year ago
--ESAF Small Fin Bk Q4 total income INR 11.96 bln vs INR 10.37 bln yr ago
--ESAF Small Fin Bk Q4 provisions INR 2.14 bln vs INR 3.32 bln yr ago
--ESAF Small Fin Bk gross NPA ratio 5.41% on Mar 31 vs 5.64% qtr ago
--ESAF Small Fin Bk net NPA ratio 1.77% on Mar 31 vs 2.73% qtr ago
--ESAF Small Fin Bk capital adequacy ratio Basel-II 22.22% on Mar 31
--ESAF Small Fin Bk FY26 net loss INR 1.66 bln vs loss INR 5.21 bln yr ago
--ESAF Small Fin Bk FY26 total income INR 43.48 bln vs INR 43.29 bln yr ago
By Shumaila Firoz
MUMBAI – ESAF Small Finance Bank Ltd. posted a rise in its net profit for the March quarter on the back of robust interest income and a sharp fall in provisions. The bank's other income rose sharply on year but declined sequentially, while total expenses rose moderately.
The small finance bank reported a net profit of INR 235.1 million for the March quarter against a loss of INR 1.83 billion a year ago. The bank's total income for the quarter was INR 11.96 billion, up over 15% on year and nearly 3% on quarter. The bank's interest earned for the quarter ended March was INR 9.95 billion, up almost 12% on year and over 11% on quarter. Its other income rose over 39% on year, but declined over 25% from the trailing quarter to INR 2.01 billion. The bank's provisions (other than tax) and contingencies for the March quarter fell significantly, over 35% on year, and 12% on quarter to INR 2.14 billion. More
The lender's asset quality for the March quarter improved, with gross non-performing assets ratio falling significantly to 5.41% as on Mar. 31 from 5.64% a quarter ago and 6.87% a year ago. Its net non-performing assets ratio also fell to 1.77% as of Mar. 31 from 2.73% on Dec. 31 and 2.99% on Mar. 31, 2025. Its capital adequacy ratio under Basel-II was 22.22% as on Mar. 31.
The company reported retail segment revenue of INR 10.15 billion in the March quarter, up from 8.16 billion a year ago. In the wholesale segment, the company has reported INR 255.1 million for the reporting quarter, down from INR 349.2 million from a year-ago quarter. Meanwhile, in treasury segment, the company reported INR 967.9 million for the March quarter, down from INR 1.48 billion last year.
The Kerala-based small finance bank's net loss for 2025-26 (Apr-Mar) narrowed to INR 1.66 billion from INR 5.21 billion a year ago, and total income was up marginally on year at INR 43.48 billion. Thursday, shares of the bank closed over 2% higher at INR 26.40 on the National Stock Exchange. The company declared its financial results post market hours. End
Edited by Tanima Banerjee
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