ESAF Small Finance Bank Q4 FY26 Net Profit at ₹24 Crore, YoY Growth of 166.1% in Operating Profit
ESAF Small Finance Bank reported a Q4 FY26 net profit of ₹24 crore, a turnaround from last year's ₹183 crore loss. Operating profit grew 166.1% YoY. Total business reached ₹48,276 crore, with gross advances up 19.4% and deposits up 11.1%. Secured assets now form 61% of advances.
The strong financial results, particularly the sharp increase in net profit and operating profit, coupled with improved asset quality and business growth, are material events for the bank's stakeholders.
The bank reported a significant turnaround in net profit, substantial growth in operating profit, and improved asset quality, indicating a strong financial performance.
ESAF Small Finance Bank announced its financial results for the fourth quarter of FY26, reporting a net profit of ₹24 crore for Q4 FY26, a significant turnaround from a loss of ₹183 crore in the same quarter last year. The bank's operating profit saw a substantial year-on-year growth of 166.1%.
Total business reached ₹48,276 crore as of March 31, 2026, a 14.8% increase year-on-year. Gross advances grew by 19.4% to ₹22,426 crore, and deposits increased by 11.1% to ₹25,850 crore. The bank's MARG strategy, focusing on MSME, Agri, Retail, and Gold loans, has been pivotal, with secured loan disbursements growing by 73.8% to ₹10,134 crore. Secured assets now represent 61% of gross advances, up from 53% a year ago.
Gold loans showed strong performance, expanding by 54.5% year-on-year to ₹8,858 crore. The microfinance portfolio moderated to ₹8,746 crore, with its share of gross advances declining from 47% to 39%. Net Interest Income rose to ₹518 crore, and Net Interest Margin improved to 6.4%.
Asset quality showed improvement, with Gross NPA reducing to 5.4% and Net NPA declining to 1.8%. The Capital to Risk-Weighted Assets Ratio (CRAR) remained strong at 22.2%. Total deposits grew to ₹25,850 crore, with retail deposits forming 92% of the total. The bank added approximately 2.3 lakh new customers, bringing its total customer base to 102.2 lakh.
Dr. K. Paul Thomas, Managing Director & CEO, highlighted the strengthening of the business, improved profitability, and progress in asset quality due to the MARG strategy. He expressed confidence in sustained profitable growth driven by technology, operational efficiency, and risk management, noting the addition of 16 branches in FY26.
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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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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.