ESAF Small Finance Bank Announces Unaudited Financial Results for Quarter Ended June 30, 2026
ESAF Small Finance Bank Ltd. announced its unaudited standalone financial results for the quarter ended June 30, 2026, following the approval by its Board of Directors on July 31, 2026. The bank's finances were reviewed and certified by Joint Statutory Auditors, M/s Kirtane and Pandit LLP and M/s Sundaram and Srinivasan, who issued a Limited Review Report with an unmodified opinion.The results indicate that the Bank registered Total Income for the quarter stood at 1,34,601 Rs. in Lakh, while Net profit from ordinary activities after tax was 8,008 Rs. in Lakh. The Bank's total expenditure (excluding provisions and contingencies) reached 99,703 Rs. in Lakh.
Key Financial Ratios for Q Ended June 30, 2026
The bank maintained a Capital Adequacy Ratio (CAR) of 23.86%. Asset quality metrics showed Gross NPA at 1,25,334 Rs. in Lakh and Net NPA at 18,412 Rs. in Lakh. The ratio of Gross NPA to Gross Advances stood at 5.40%, with the Net NPA to Net Advances ratio recorded at 0.83%. Return on Assets (RoA) for the quarter was reported at 0.26%.The key financial indicators for ESAF Small Finance Bank Ltd. across several periods are detailed below:
| Metric | Q ended June 30, 2026 (Unaudited) | Q ended March 31, 2026 (Audited) | Q ended June 30, 2025 (Unaudited) | Year ended March 31, 2026 (Audited) |
|---|---|---|---|---|
| Total Income | 1,34,601 | 1,19,645 | 1,02,337 | 4,34,823 |
| Net Profit/(Loss) after Tax | 8,008 | 2,351 | (8,122) | (16,640) |
| Capital Adequacy Ratio - Basel II | 23.86% | 22.22% | 22.74% | 22.22% |
| Gross NPA to Gross Advances | 5.40% | 5.41% | 7.48% | 5.41% |
| Net NPA to Net Advances | 0.83% | 1.77% | 3.77% | 1.77% |
Segment Performance and Asset Allocation
The Bank's business operations are conducted solely in the domestic segment. Revenue generation was segmented across Retail, Treasury, Wholesale, and Other Banking Operations. For the quarter ended June 30, 2026, income from operations stood at 1,34,601 Rs. in Lakh.| Segment | Income from Operations (Rs. In Lakh) | Total Profit/(Loss) Before Tax (Rs. In Lakh) |
|---|---|---|
| Retail | 1,14,136 | 2,990 |
| Treasury | 15,430 | 5,051 |
| Wholesale | 2,221 | 623 |
| Other Banking Operations | 2,814 | 2,038 |
The total assets for the Bank as of June 30, 2026, were reported at 31,42,922 Rs. in Lakh.
Fund Utilization from Debt Raising
ESAF Small Finance Bank Limited confirmed that it had raised 85 Crore through a Private Placement of listed, rated, taxable, unsecured, and transferable Non-Convertible Debentures (NCDs) on June 25, 2026. The bank reported that the entire amount raised was fully utilized as per the objects of the issue, noting no deviations in fund usage for the quarter ended June 30, 2026.ESAFSFB Stock Price Movement
ESAF Small Finance Bank Limited shares are surging as of 1:35 PM, edging up ₹3.26 or 8.94% in live trading to reach ₹39.74. The stock currently hits a staggering five-year high and has seen a volume exceeding 7.13 million shares traded today.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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