ESAF Small Finance Bank Limited (the Bank) is a small finance bank with a focus on unbanked and underbanked customer segments, especially in urban, semi-urban, rural and rural unbanked areas. The Bank provides micro, retail, and corporate banking, para-banking activities such as debit cards, third-party financial product distribution, in addition to treasury and permitted foreign exchange business. The Company's segments include treasury, wholesale banking, retail banking, and other banking operations. The treasury segment primarily consists of interest earnings on its investment portfolio, gains or losses on investment operations, and earnings from its foreign exchange business. The wholesale banking segment provides loans to the corporate segment. The retail banking segment provides loans to non-corporate customers. The other banking operations segment includes para-banking activities, such as debit cards, third-party product distribution, and associated costs.
ESAFSFB Financial Highlights
- Revenue: ESAFSFB reported revenue of ₹4,348.23 crore in FY26 vs ₹4,329.30 crore in FY25. It showed an increase of 0.44% on a yearly basis.
- Operating Profit: ESAFSFB reported an operating loss of ₹228.40 crore in FY26 vs ₹692.97 crore in FY25. It showed an increase of 67.04% on a year-on-year basis.
- Net Profit: ESAFSFB reported a net loss of ₹166.40 crore in FY26 vs ₹521.39 crore in FY25. It showed an increase of 68.09% on a yearly basis.
ESAFSFB Quarterly Result Highlights
- ESAFSFB reported revenue of ₹1,346.01 crore in Jun 2026, compared with ₹1,196.45 crore in Mar 2026, representing an increase of 12.50% on a quarter-on-quarter (QoQ) basis.
- ESAFSFB reported an operating profit of ₹107.02 crore in Jun 2026, compared with ₹27.09 crore in Mar 2026, representing an increase of 295.05% on a quarter-on-quarter (QoQ) basis.
- ESAFSFB reported a profit of ₹80.08 crore in Jun 2026, compared with ₹23.51 crore in Mar 2026, reflecting an increase of 240.62% on a QoQ basis.
- The earnings per share (EPS) of ESAFSFB stood at ₹3.23 during Jun 2026.