ESAF Small Finance Bank Q1FY27 Standalone Results: Profit at ₹8.01 Crore
ESAF Small Finance Bank reported a Q1FY27 standalone profit of ₹8.01 crore, a turnaround from a loss of ₹8.12 crore in Q1FY26. Total income rose to ₹1,34,601 lakh. The bank's CAR was 23.86%, with Gross NPA at 5.40% and Net NPA at 0.83%. Tier II capital of ₹85 crore was raised.
The results show a positive financial turnaround and stable capital adequacy, which are important indicators for a financial institution.
The bank has reported a profitable quarter after a loss in the previous year's comparable quarter, indicating positive financial performance.
ESAF Small Finance Bank Limited has announced its unaudited standalone financial results for the quarter ended June 30, 2026. The Board of Directors approved these results in a meeting held on July 31, 2026.
For the quarter ended June 30, 2026, the bank reported a Net Profit After Tax of ₹8.01 crore. This is a significant turnaround from the Net Loss After Tax of ₹8.12 crore reported in the corresponding quarter of the previous year (June 30, 2025). The bank's Total Income for the quarter stood at ₹1,34,601 lakh, an increase from ₹1,02,337 lakh in the same period last year. Total Expenditure was ₹99,703 lakh.
The bank also disclosed its Capital Adequacy Ratio (CAR) as per Basel II norms, which stood at 23.86% for the quarter ended June 30, 2026. The Gross NPA ratio was 5.40% and the Net NPA ratio was 0.83%.
During the quarter, ESAF Small Finance Bank raised Tier II capital of ₹85 crore. The bank also confirmed that the proceeds from the Non-Convertible Debentures issued on June 25, 2026, have been fully utilized as per the objects of the issue, with no deviation reported.
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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 medium impact: worth reading, rarely worth acting on by itself.
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See the model portfoliosA plain-language summary of a public exchange filing by ESAF Small Finance Bank Limited. Read the original for the full detail.