- Delivery only: shares bought must be paid for in full, with no selling on the same day.
- Next results date: the board meets on 29 Oct 2026 to consider: financial results.
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies.
- ₹2,004 Cr1,321st largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit.
- Lossover the last 12 months
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. The filing of 30 Apr 2026
- 1.1
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- Nonein the last 12 months
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it. The filing of 31 Jul 2026
- −0.3%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 9.53%
- Gross NPAGross NPA, non-performing loans. Gross non-performing loans as a percentage of all loans, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where the filing's own amounts show it written on another scale or rounded to the whole per cent, where it is 0 for a bank that lends, or where it is below the net share. At the end of Jun 2026.
- 5.40%
- Net NPANet NPA, non-performing loans. Net non-performing loans as a percentage of loans, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where the filing's own amounts show it written on another scale or rounded to the whole per cent, where it is 0 for a bank that lends, or where it is above the gross share. At the end of Jun 2026.
- 0.83%
- CET1Common equity tier 1 ratio. The bank's core capital, mostly shareholders' money, as a percentage of its loans and other assets weighted by risk, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, or where the figure is outside what it can be. At the end of Jun 2026.
- 15.45%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026.
- −0.57%
- Volume, NSEVolume. Shares traded on the last trading day.
- 3,26,582
Q1 results, quarter to Jun 2026
Standalone: the listed company alone, without its subsidiaries. ₹ crore.ESAF Small Finance Bank annual results and balance sheet
- Total incomeTotal income. Total income is interest earned plus other income, fees and treasury gains among it.
- ₹1,346 Cr+31.5% on a year ago · +12.5% on the quarter beforeChange on a year ago and on the quarter before. The change against the same quarter a year before: (this quarter's figure less that quarter's) divided by that quarter's, times 100. The change on the quarter before is the same sum against the quarter just before, taken as this quarter's results restate it where the company restated it: this quarter's year to date less this quarter. Left out where either figure is a loss, where the restatement covers two or more earlier quarters without saying which, or across a change of basis named under the table, on the lines it affects.
- Net profitNet profit. What is left of revenue and other income after every cost, interest and tax.
- ₹80 Cr+240.6% on the quarter beforeChange on a year ago and on the quarter before. The change against the same quarter a year before: (this quarter's figure less that quarter's) divided by that quarter's, times 100. The change on the quarter before is the same sum against the quarter just before, taken as this quarter's results restate it where the company restated it: this quarter's year to date less this quarter. Left out where either figure is a loss, where the restatement covers two or more earlier quarters without saying which, or across a change of basis named under the table, on the lines it affects.
- Earnings per shareEarnings per share. Profit belonging to shareholders divided by the number of shares, restated for later splits and bonuses so they do not break the line.
- ₹1.55+237.0% on the quarter beforeChange on a year ago and on the quarter before. The change against the same quarter a year before: (this quarter's figure less that quarter's) divided by that quarter's, times 100. The change on the quarter before is the same sum against the quarter just before, taken as this quarter's results restate it where the company restated it: this quarter's year to date less this quarter. Left out where either figure is a loss, on the quarter before wherever the profit of that quarter was restated, and across a change of basis named under the table, on the lines it affects.
- Net interest incomeNet interest income. Interest earned − interest paid; for a finance company, interest earned − finance costs.
- ₹584 Cr
- Profit before provisionsProfit before provisions. Profit before anything is set aside for loans that may not be repaid: for a bank, total income − its expenses other than provisions, as stated, which are interest paid and operating expenses; for a finance company, total income − finance costs − operating expenses.
- ₹349 Cr
- Gross bad loansGross non-performing loans. Loans whose borrowers have stopped paying, generally for 90 days, as a percentage of all loans, as the bank files it, or worked out from its filed amounts where the filed percentage cannot be read on its filing's scale.
- 5.40%
From interest earned to net profit, ₹ crore
- Interest earned1,098
- Interest paid−514
- Net interest income584
- Other income+248
- Operating expenses−483
- Before provisions349
- Set aside for bad loans−242
- Profit before tax107
- Tax−27
- Net profit80
ESAF Small Finance Bank results by quarter
Standalone: the listed company alone, without its subsidiaries. Latest quarter to Jun 2026. Results for the quarter to Sep 2026 are due by 14 Nov 2026, 45 days after it ends.Results filings and date
Total income and net profit by quarter, ₹ crore
- Total income
- Net profit
- Loss
Net interest income and money set aside for bad loans by quarter, ₹ crore
- Net interest income
- Set aside for bad loans
| ₹ crore | Jun 2023Filed 2 Dec | Sep 2023Q2Filed 2 Dec | Dec 2023Q3Filed 21 Feb | Mar 2024Q4Filed 10 May | Jun 2024Q1Filed 20 Aug | Sep 2024Q2Filed 14 Nov | Dec 2024Q3Filed 10 Feb | Mar 2025Q4Filed 16 May | Jun 2025Q1Filed 8 Aug | Sep 2025Q2Filed 11 Nov | Dec 2025Q3Filed 27 Mar | Mar 2026Q4Filed 30 Apr | Jun 2026Q1Filed 31 Jul |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total incomeTotal income. Total income is interest earned plus other income, fees and treasury gains among it. | 992 | 1,022 | 1,094 | 1,152 | 1,138 | 1,093 | 1,062 | 1,037 | 1,023 | 965 | 1,163 | 1,196 | 1,346 |
| 899 | 943 | 974 | 1,002 | 1,022 | 996 | 950 | 893 | 828 | 820 | 894 | 1,196 | 1,098 | |
| On loansInterest on loans. Interest and discount earned on the bank's loans and bills for the period; given only where the four interest lines add to the interest earned stated. | 821 | 854 | 878 | 908 | 918 | 878 | 834 | 781 | 721 | 715 | 790 | 892 | 992 |
| On investmentsInterest on investments. Income from the bonds and other securities the bank holds, for the period; given only where the four interest lines add to the interest earned stated. | 78 | 87 | 94 | 94 | 93 | 95 | 103 | 111 | 101 | 104 | 104 | 102 | 104 |
| On balances with the RBI and other banksInterest on balances with the RBI and other banks. Interest earned on money placed with the Reserve Bank and with other banks, for the period; given only where the four interest lines add to the interest earned stated. | 0 | 2 | 2 | 0 | 12 | 23 | 13 | 1 | 7 | 0 | 0 | 2 | 2 |
| Other interestOther interest. Interest earned besides on loans, investments and balances with banks, for the period; given only where the four interest lines add to the interest earned stated. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 201 | 0 |
| Interest paid | 313 | 347 | 377 | 411 | 434 | 456 | 463 | 458 | 450 | 456 | 462 | 477 | 514 |
| Net interest incomeNet interest income. Interest earned − interest paid; for a finance company, interest earned − finance costs. | 585 | 597 | 597 | 591 | 588 | 540 | 487 | 436 | 378 | 364 | 432 | 719 | 584 |
| Other incomeOther income. Income besides interest, for the period: for a bank, its other income as stated, such as fees, commissions and gains on investments; for a finance company, total income − interest earned, or where total income is not stated, fees and commission + gains on fair value changes + other income. | 93 | 79 | 120 | 150 | 115 | 97 | 112 | 143 | 195 | 145 | 269 | 0 | 248 |
| 378 | 386 | 429 | 456 | 450 | 494 | 472 | 488 | 448 | 416 | 449 | 478 | 483 | |
| Profit before provisionsProfit before provisions. Profit before anything is set aside for loans that may not be repaid: for a bank, total income − its expenses other than provisions, as stated, which are interest paid and operating expenses; for a finance company, total income − finance costs − operating expenses. | 301 | 290 | 288 | 285 | 254 | 143 | 127 | 91 | 125 | 93 | 253 | 241 | 349 |
| Set aside for bad loansProvisions for bad loans. What was set aside in the period for loans that may not be repaid: for a bank, its provisions other than for tax, which also cover its investments and loans still being repaid; for a finance company, the impairment of its loans and other financial assets. | 127 | 101 | 138 | 226 | 169 | 340 | 410 | 332 | 234 | 249 | 243 | 214 | 242 |
| Exceptional itemsExceptional items. One-off gains or losses the company states separately, for the period; on a bank's group accounts, not given where the line is the outside owners' share of its subsidiaries' profit. | 0 | 0 | 0 | 0 | 0 | −58 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 174 | 188 | 150 | 59 | 85 | −255 | −282 | −241 | −109 | −155 | 9 | 27 | 107 |
| Tax | 44 | 48 | 38 | 15 | 22 | −65 | −71 | −58 | −28 | −40 | 2 | 4 | 27 |
| Net profit | 130 | 140 | 112 | 43 | 63 | −190 | −211 | −183 | −81 | −116 | 7 | 24 | 80 |
| Earnings per shareEarnings per share. The earnings per share stated for the period ÷ the split factor, so a figure from before a split sits on the same share as today's; a figure the company filed after a split or bonus is already on the new share count and is divided by the splits after its filing day only. | – | ₹3.12 | ₹2.43 | – | ₹1.22 | −₹3.69 | −₹4.10 | −₹3.56 | −₹1.58 | – | ₹0.14 | ₹0.46 | ₹1.55 |
| Diluted earnings per shareDiluted earnings per share. That diluted earnings per share on today's share count, restated by the same splits and bonuses as the basic figure. | – | ₹3.11 | ₹2.42 | – | ₹1.22 | −₹3.69 | −₹4.09 | −₹3.55 | −₹1.57 | – | ₹0.14 | ₹0.45 | ₹1.55 |
Earnings per share in rupees, restated for later splits and bonuses.
| Figure | Sep 2023Q2Filed 2 Dec | Dec 2023Q3Filed 21 Feb | Mar 2024Q4Filed 10 May | Jun 2024Q1Filed 20 Aug | Sep 2024Q2Filed 14 Nov | Dec 2024Q3Filed 10 Feb | Mar 2025Q4Filed 16 May | Jun 2025Q1Filed 8 Aug | Sep 2025Q2Filed 11 Nov | Dec 2025Q3Filed 27 Mar | Mar 2026Q4Filed 30 Apr | Jun 2026Q1Filed 31 Jul |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross bad loans, ₹ croreGross non-performing loans, ₹ crore. Non-performing loans, those whose borrowers have stopped paying, generally for 90 days, at the amount still owed at the period end, as the bank states it. A 0 is given only for a bank whose loans are at most 1% of its assets, and the figure is not given where it is below the net figure or the bank's own gross share of loans shows a digit slipped. | 399 | 713 | 893 | 1,242 | 1,279 | 1,274 | 1,291 | 1,364 | 1,635 | 1,166 | 1,214 | 1,253 |
| Net bad loans, ₹ croreNet non-performing loans, ₹ crore. Non-performing loans less what the bank has set aside against them, at the period end, as the bank states it; not given where it is above the gross figure, or 0 beside a gross figure that is not. | 178 | 368 | 414 | 584 | 525 | 520 | 540 | 661 | 696 | 548 | 382 | 184 |
| Gross bad loans, % of loansGross non-performing loans. Loans whose borrowers have stopped paying, generally for 90 days, as a percentage of all loans, as the bank files it, or worked out from its filed amounts where the filed percentage cannot be read on its filing's scale. | 2.64% | 4.16% | 4.76% | 6.61% | 6.98% | 6.96% | 6.87% | 7.48% | 8.54% | 5.64% | 5.41% | 5.40% |
| Net bad loans, % of loansNet non-performing loans. Non-performing loans left after what has been set aside against them, as a percentage of loans, as the bank files it, or worked out from its filed amounts where the filed percentage cannot be read on its filing's scale. | 1.19% | 2.19% | 2.26% | 3.22% | 2.98% | 2.97% | 2.99% | 3.77% | 3.83% | 2.73% | 1.77% | 0.83% |
| Bad loans already provided forProvision coverage. (gross non-performing loans − net non-performing loans) ÷ gross non-performing loans × 100: the share of non-performing loans already covered by money set aside. | 55.48% | 48.36% | 53.67% | 53.00% | 58.97% | 59.15% | 58.19% | 51.53% | 57.40% | 52.99% | 68.49% | 85.31% |
| Core equity to risk-weighted loansCommon equity tier 1 ratio. The bank's core capital, mostly shareholders' money, as a percentage of its loans and other assets weighted by risk, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, or where the figure is outside what it can be. | 18.19% | 18.50% | 19.32% | 19.66% | 19.27% | 18.23% | 17.11% | 17.91% | 16.37% | 15.46% | 14.23% | 15.45% |
| Tier 1 capitalTier 1 capital ratio. Core capital ratio + additional tier 1 ratio; given only where the additional tier 1 ratio is above 0. | 20.57% | 18.91% | 19.70% | 20.05% | 19.67% | 18.68% | 17.58% | 18.43% | 16.90% | 15.96% | 14.68% | 15.90% |
| Additional tier 1 capitalAdditional tier 1 capital ratio. The bank's permanent capital beyond its core capital, mostly perpetual bonds that can be written down, as a percentage of its assets weighted by risk, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where it is 0, since the statement also writes 0 for a bank that does not state it, or where it is at or above the core capital ratio. | 2.38% | 0.41% | 0.38% | 0.39% | 0.40% | 0.45% | 0.47% | 0.52% | 0.53% | 0.50% | 0.45% | 0.45% |
| Held by the governmentGovernment holding. The share of the company the government holds, as the company states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, or where it is 0 and the shareholding pattern for the same date does not confirm the government holds none. | – | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Per cent, and the bad loans themselves in ₹ crore. A non-performing loan is one the borrower has stopped paying, generally for 90 days. Held by the government is left blank for the year to Sep 2023: the filing states 0, which this form also writes for a line it does not fill, and the shareholding pattern for the same date does not show the government holding none.
Filed results, as an XML file each
- Results for the quarter to Jun 2026 (opens in a new tab)Filed 31 Jul 2026, unaudited
- Results for the quarter to Mar 2026 (opens in a new tab)Filed 30 Apr 2026, audited
- Results for the quarter to Dec 2025 (opens in a new tab)Filed 27 Mar 2026, unaudited
- Results for the quarter to Sep 2025 (opens in a new tab)Filed 11 Nov 2025, unaudited
8 earlier filings
- Results for the quarter to Jun 2025 (opens in a new tab)Filed 8 Aug 2025, unaudited
- Results for the quarter to Mar 2025 (opens in a new tab)Filed 16 May 2025, audited
- Results for the quarter to Dec 2024 (opens in a new tab)Filed 10 Feb 2025
- Results for the quarter to Sep 2024 (opens in a new tab)Filed 14 Nov 2024
- Results for the quarter to Jun 2024 (opens in a new tab)Filed 20 Aug 2024
- Results for the quarter to Mar 2024 (opens in a new tab)Filed 10 May 2024
- Results for the quarter to Dec 2023 (opens in a new tab)Filed 21 Feb 2024
- Results for the quarter to Sep 2023 (opens in a new tab)Filed 2 Dec 2023
Segment results by quarter
Standalone, ₹ crore, quarters to Jun 2026.ESAF Small Finance Bank segment results by year
Retail
Revenue, ₹ croreProfit, ₹ croreTreasury
Revenue, ₹ croreProfit, ₹ croreOther Banking Operations
Revenue, ₹ croreProfit, ₹ croreWholesale
Revenue, ₹ croreProfit, ₹ croreCapital & Reserves
Revenue, ₹ croreProfit, ₹ crore
| ₹ crore | 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 of all businesses | 1,022 | 1,094 | 1,152 | 1,138 | 1,093 | 1,062 | 1,037 | 1,023 | 965 | 1,163 | 1,196 | 1,346 |
| Company revenue, as in its resultsCompany revenue. The company's revenue from operations for the period in its results, on the same accounts as its segments. It is below the businesses' sum where they sell to one another, or where the segments include a business the results report as discontinued. | 1,022 | 1,094 | 1,152 | 1,138 | 1,093 | 1,062 | 1,037 | 1,023 | 965 | 1,163 | 1,196 | 1,346 |
| Revenue | 898 | 923 | 956 | 964 | 884 | 866 | 816 | 816 | 798 | 1,032 | 1,015 | 1,141 |
| Revenue growthSegment revenue growth, year on year. The change in the segment's revenue from the same period a year before, as a percentage of that earlier revenue: a year against the year before, a quarter against the same quarter. | – | – | – | – | −1.4% | −6.2% | −14.7% | −15.3% | −9.7% | 19.1% | 24.5% | 39.8% |
| ProfitSegment profit. What the business earned before tax and finance costs, as the company measures each of its businesses. | 161 | 92 | −39 | 34 | −338 | −323 | −298 | −181 | −214 | −2 | −28 | 30 |
| MarginSegment margin. Segment profit as a percentage of the segment's revenue. | 18.0% | 9.9% | −4.0% | 3.5% | −38.3% | −37.3% | −36.5% | −22.2% | −26.8% | −0.2% | −2.8% | 2.6% |
| AssetsSegment assets. What the company holds for this business at the period end: plant, stock, receivables and the like. | 14,903 | 16,679 | 17,931 | 17,634 | 17,116 | 17,000 | 17,453 | 17,247 | 18,097 | 19,974 | 21,784 | 22,374 |
| LiabilitiesSegment liabilities. What this business owes at the period end, such as payments due to suppliers. | 14,641 | 15,966 | 17,120 | 18,556 | 17,295 | 16,832 | 17,769 | 17,218 | 18,162 | 20,028 | 22,076 | 22,672 |
| Revenue | 88 | 111 | 110 | 115 | 144 | 127 | 148 | 138 | 95 | 75 | 97 | 154 |
| Revenue | 16 | 39 | 53 | 27 | 28 | 29 | 38 | 39 | 46 | 34 | 59 | 28 |
| Revenue | 21 | 21 | 32 | 32 | 36 | 39 | 35 | 30 | 25 | 22 | 26 | 22 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | – | – | 0 | – |
Profit is before tax and finance costs, the way companies report their segments.