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Informist, Friday, Jul. 31, 2026

 

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--ESAF Small Finance Bank Apr-Jun net profit INR 800.8 mln 
--ESAF Small Fin Bk Apr-Jun total income INR 13.46 bln 
--ESAF Small Fin Bk Q1 PAT INR 800.8 mln vs loss INR 812.2 mln yr ago 
--ESAF Small Fin Bk Q1 total income INR 13.46 bln vs INR 10.23 bln yr ago 
--ESAF Small Fin Bk Q1 provisions INR 2.42 bln vs INR 2.34 bln yr ago 
--ESAF Small Fin Bk gross NPA ratio 5.40% on Jun 30 vs 5.41% qtr ago 
--ESAF Small Fin Bk net NPA ratio 0.83% on Jun 30 vs 1.77% qtr ago 
--ESAF Small Fin Bk capital adequacy ratio Basel-II 23.86% on Jun 30 
 

 

By Diksha Tripathy

 

MUMBAI – ESAF Small Finance Bank Ltd. posted a healthy on-year growth in net profit for the June quarter, reversing the losses posted in the year-ago period, owing to an 11-quarter high interest income. The total expenses of the bank also grew, however, its impact was offset by a strong growth in total income for the first quarter of 2026-27 (Apr-Mar).

 

The small finance bank posted a net profit of INR 800.8 million in the June quarter, against a net loss of INR 812.2 million in the year-ago period. On a sequential basis, the bank's bottom line grew nearly 241%. 

 

ESAF Bank's total income for the June quarter grew nearly 32% on year to INR 13.46 billion from INR 10.23 billion in the year-ago quarter. The rise in total income can be attributed to record high interest income, which grew nearly 33% on year to INR 10.98 billion for the Apr-Jun period. The small finance bank's other income grew over 27% on year to INR 2.48 billion for the June quarter, from INR 1.95 billion a year ago. 

 

The total expenses of the bank, excluding provisions and contingencies, were up nearly 11% on year at INR 9.97 billion, against INR 8.99 billion in the year-ago period. While interest expenses and operating expenses were up over 14% and nearly 8% on year, respectively, the employees cost expenses fell in the June quarter. Employees expenses were down nearly 6% on year to INR 1.80 billion, from INR 1.91 billion in the corresponding period of last year.

 

 

The provisions and contingencies for the June quarter were up over 3% on year to INR 2.42 billion from INR 2.34 billion a year ago. Sequentially, provisions were up nearly 13%. The tax-related outflow was up nearly 653% on quarter at INR 269 million.   

 

The small finance bank's gross non-performing asset ratio was at 5.40% as of Jun. 30, slightly down from 5.41% in the quarter-ago period. The net non-performing asset ratio was down to 0.83% for the June quarter from 1.77% in the previous quarter. The capital adequacy ratio Basel-II for the June quarter was 23.86%. 

 

The company disclosed its earnings for the June quarter during market hours Friday. At 1423 IST, shares of ESAF Small Finance Bank traded at INR 38.80 apiece on the National Stock Exchange, up over 6%.  End

 

Edited by Akul Nishant Akhoury

 

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