ESAF Small Finance Bank Q1 FY27 PAT ₹80 Crore, Total Business Crosses ₹50,000 Crore
ESAF Small Finance Bank's Q1 FY27 results show total business crossing ₹50,000 Crore. Profit After Tax (PAT) reached ₹80 Crore, a significant turnaround from the previous year. Gross advances grew 27% YoY to ₹23,216 Crore, with secured advances forming 62% of the portfolio. Deposits increased 19% YoY to ₹26,924 Crore, and asset quality improved with NNPA at 0.8%.
The reported figures, including the total business crossing a major milestone and a strong profit turnaround, are material financial events that are likely to significantly impact investor perception and the bank's valuation.
The bank reported strong financial results with significant growth in total business, advances, and deposits, coupled with a substantial increase in profit and improvement in asset quality, indicating a positive performance.
ESAF Small Finance Bank reported a strong start to FY27 for the quarter ended June 30, 2026. The Bank's total business crossed ₹50,000 Crore, driven by robust growth in secured lending and retail deposits. Gross advances grew 27% year-on-year to ₹23,216 Crore, with secured advances now constituting 62% of the portfolio.
Deposits grew 19% year-on-year to ₹26,924 Crore, while the CASA ratio stood at 23.4%. Asset quality improved significantly, with GNPA/NNPA at 5.4%/0.8% compared to 7.5%/3.8% in the previous year. The provision coverage ratio increased to 85.5% from 73.2%.
Financial highlights include interest income of ₹1,098 Crore (up 33% YoY), a Net Interest Margin (NIM) improvement to 7.9%, and a Cost to Income ratio of 58.1%. Pre-Provision Operating Profit (PPOP) surged by 179% YoY to ₹349 Crore. Profit After Tax (PAT) for Q1 FY27 was ₹80 Crore, marking a significant turnaround from a loss of ₹81 Crore in Q1 FY26. Return on Assets (RoA) was 1.0% and Return on Equity (RoE) was 17.5%.
Dr. K. Paul Thomas, Managing Director & CEO, stated that the results reflect the steady progress of the bank's transformation journey, with a focus on a diversified, secured, and customer-centric portfolio. The bank aims to continue deepening financial inclusion and expanding its presence across various segments.
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ESAF Small Finance Bank Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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