ESAF Small Finance Bank quarterly results and financials

ESAF Small Finance Bank (ESAFSFB)₹42.43−0.40%(9 Nov 2026 close)Other Bank

Key facts

In the Jun 2026 quarter (standalone), ESAF Small Finance Bank reported revenue of ₹1,101 Cr, up 32.6% from Jun 2025, and net profit of ₹79.83 Cr. For the year to Mar 2026, revenue were ₹3,548 Cr and net profit −₹166 Cr.

Revenue (Jun 2026): ₹1,101 Cr
Net profit (Jun 2026): ₹79.83 Cr
Revenue (FY Mar 2026): ₹3,548 Cr
Net profit (FY Mar 2026): −₹166 Cr
EPS (Jun 2026): ₹1.54
Borrowings (Mar 2026): ₹2,750 Cr

Company filings, standalone accounts; latest reported quarter Jun 2026

ESAF Small Finance Bank quarterly results

₹ crore unless stated; each column is a quarter.

ESAF Small Finance Bank Quarterly results
	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	946	977	1,004	1,025	997	950	895	831	822	896	998	1,101
Interest	346	376	410	433	455	462	457	449	448	461	476	513
Net interest income	599	601	594	592	542	488	437	381	375	435	522	588
Expenses	487	567	683	620	835	882	821	683	673	694	692	726
Financing Profit	109	29.95	−90.79	−29.97	−293	−395	−386	−303	−301	−259	−174	−141
Financing Margin %	12.0%	3.0%	−9.0%	−3.0%	−30.0%	−42.0%	−43.0%	−37.0%	−37.0%	−29.0%	−18.0%	−13.0%
Other Income	78.78	120	150	115	39.88	114	145	195	144	268	201	247
Profit before tax	189	151	59.17	85.32	−256	−283	−242	−109	−155	9.03	27.07	107
Tax %	26.0%	25.0%	26.1%	26.1%	−24.9%	−25.0%	−23.9%	−26.0%	−25.0%	22.1%	13.1%	25.1%
Exceptional items	0.00	0.00	0.00	0.00	−57.82	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Profit	140	112	42.93	62.82	−190	−211	−182	−80.79	−116	6.98	23.96	79.83
EPS (Rs)	3.11	2.17	0.83	1.21	−3.68	−4.08	−3.54	−1.57	−2.24	0.13	0.45	1.54
Gross NPA %	2.6%	4.2%	4.8%	6.6%	7.0%	7.0%	6.9%	7.5%	8.5%	5.6%	5.4%	5.4%
Net NPA %	1.2%	2.2%	2.3%	3.2%	3.0%	3.0%	3.0%	3.8%	3.8%	2.7%	1.8%	0.8%
Provision coverage (approx., excl. write-offs) %	54.9%	47.4%	52.5%	51.3%	57.3%	57.3%	56.5%	49.6%	55.2%	51.6%	67.3%	84.6%

ESAF Small Finance Bank profit and loss

₹ crore unless stated; years end in March. TTM is the last four quarters.

ESAF Small Finance Bank Profit and loss
	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	29.08	598	1,035	1,416	1,645	1,945	2,860	3,828	3,869	3,548	3,818
Interest	15.98	315	457	620	719	792	1,016	1,446	1,808	1,835	1,898
Net interest income	13.10	284	578	796	926	1,153	1,844	2,382	2,061	1,713	1,920
Expenses	31.05	357	539	647	880	1,249	1,679	2,194	3,155	2,676	2,785
Financing Profit	−17.98	−74.82	34.97	146	42.96	−101	160	180	−1,104	−973	−875
Financing Margin %	−61.0%	−13.0%	3.0%	10.0%	3.0%	−5.0%	6.0%	5.0%	−29.0%	−28.0%	−22.9%
Other Income	18.94	102	109	133	127	207	287	441	471	809	860
Depreciation	0.00	0.00	16.93	22.91	28.89	32.86	41.86	50.86	58.76	64.75	0.00
Profit before tax	1.01	27.08	127	257	142	74.31	407	572	−696	−229	−12.00
Tax %	0.0%	0.0%	29.0%	26.0%	25.1%	26.1%	26.0%	25.1%	−24.9%	−27.0%	—
Exceptional items	0.00	0.00	0.00	0.00	−0.99	0.00	0.00	0.00	0.00	−0.99	0.00
Net Profit	0.99	26.92	89.73	190	105	54.91	301	425	−520	−166	−5.00
EPS (Rs)	0.02	0.86	2.10	4.44	2.33	1.21	6.72	8.26	−10.11	−3.22	−0.12
Dividend payout %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	8.0%	0.0%	0.0%	—

ESAF Small Finance Bank balance sheet

₹ crore, at each year end.

ESAF Small Finance Bank Balance sheet
	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	303	312	428	428	448	449	449	515	515	516
Reserves	4.01	31.12	468	658	906	966	1,270	1,982	1,438	1,275
Deposits	411	2,531	4,330	7,045	9,022	12,844	14,699	19,924	23,340	25,924
Borrowings	2,056	1,675	1,703	1,202	1,692	2,947	3,348	3,218	1,404	2,750
Other Liabilities	228	184	146	153	292	525	487	503	544	481
Total Liabilities	3,000	4,734	7,075	9,486	12,361	17,732	20,253	26,140	27,241	30,946
Fixed Assets	32.89	68.71	85.65	116	132	158	187	204	236	225
CWIP	0.00	0.00	4.01	4.01	6.02	0.00	0.00	3.01	63.18	291
Investments	578	731	1,528	1,731	1,928	4,063	4,879	5,534	5,991	6,385
Other Assets	2,389	3,934	5,458	7,636	10,294	13,510	15,186	20,399	20,951	24,044
Cash & equivalents	107	439	228	230	314	1,158	587	1,217	1,223	969
Total Assets	3,000	4,734	7,075	9,486	12,361	17,732	20,253	26,140	27,241	30,946

ESAF Small Finance Bank cash flow

₹ crore, for each year.

ESAF Small Finance Bank Cash flow
	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from operating activity	−239	1,090	1,128	−584	−571	1,001	3,179	−1,961
Cash from investing activity	−171	−634	−637	−981	−572	−582	−767	−192
Cash from financing activity	487	−498	652	1,256	399	235	−1,849	1,345
Net cash flow	77.92	−44.98	1,141	−308	−744	654	556	−804
Capex	37.88	52.79	49.83	53.79	71.70	70.78	152	282
Free cash flow	−277	1,036	1,078	−638	−641	930	3,024	−2,242
CFO / OP %	−40.1%	152.0%	162.0%	−82.0%	−43.1%	70.9%	451.0%	−226.0%

ESAF Small Finance Bank ratios

Working-capital days and returns, by year.

ESAF Small Finance Bank Ratios
	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	0.0%	8.0%	15.0%	19.0%	9.0%	4.0%	19.0%	20.0%	−23.0%	−9.0%

ESAF Small Finance Bank: frequently asked questions

What are the latest quarterly results of ESAF Small Finance Bank?

For the Jun 2026 quarter, ESAF Small Finance Bank reported revenue of ₹1,101 Cr, up 32.6% year on year and net profit of ₹79.83 Cr.

What is the annual revenue of ESAF Small Finance Bank?

ESAF Small Finance Bank's revenue for the year to Mar 2026 were ₹3,548 Cr; over the last twelve months they were ₹3,818 Cr.

What is the net profit of ESAF Small Finance Bank?

Net profit for the year to Mar 2026 was −₹166 Cr, and −₹5 Cr over the last twelve months. Earnings per share over the same trailing period were ₹−0.12.

What is the free cash flow of ESAF Small Finance Bank?

Cash from operations was −₹1,961 Cr in the year to Mar 2026; after capital spending, free cash flow was −₹2,242 Cr.

Loading…