ESAF Small Finance Bank Share Price Gains Over 5% After Q1 FY27 Earnings Results: Total Income Up 31.5% YoY

On July 31, 2026, ESAF Small Finance Bank Limited released its unaudited financial results for the quarter ending June 30, 2026, as per the exchange filings.  

The bank reported a significant increase in total income and a turnaround in net profit compared to the previous year. 

ESAF Small Finance Bank Q1 FY27 Earnings Results 

In the June 2026 quarter, ESAF Small Finance Bank's total income increased by 31.5% year-on-year to ₹1,346.01 crore, up from ₹1,023.37 crore in the same period last year.  

The quarter-on-quarter growth was 12.5%, rising from ₹1,196.45 crore in the March 2026 quarter. 

The bank's net profit for the June 2026 quarter stood at ₹80.08 crore. This marks a 240.6% increase from the net profit of ₹23.51 crore in the March 2026 quarter.  

The bank also reversed a net loss of ₹81.22 crore from the June 2025 quarter. 

Annual Financial Overview for FY26 

For the financial year 2026, ESAF Small Finance Bank reported a total income of ₹4,348.23 crore. Despite the positive quarterly results, the bank recorded a net loss of ₹166.40 crore for the entire fiscal year. 

Core Expenditures and Financial Provisioning Impacts 

Total bank expenditure for the quarter concluded at ₹997.03 crore, reflecting an increase from ₹898.45 crore in Q1 FY26.  

Interest expended on deposits and borrowings constituted ₹513.69 crore, while total operating expenses reached ₹483.34 crore.  

Employee benefit costs within the operating matrix required a financial outgo of ₹179.79 crore. The lender allocated ₹241.96 crore toward provisions and contingencies, down slightly from ₹234.12 crore in the comparative previous year period.  

After factoring in a quarterly tax expense of ₹26.94 crore, the net profit settled at ₹80.08 crore, reversing a previous net loss of ₹81.22 crore. 

Segment Revenue Performance and Distribution Channels 

The retail banking division functioned as the largest revenue channel, contributing ₹1,141.36 crore to the overall revenue pool. Treasury operations added ₹154.30 crore, while the wholesale banking division brought in ₹22.21 crore.  

Other minor bank operational branches collectively pulled in ₹28.14 crore. In terms of segment-wise profitability, the treasury group yielded the highest results before unallocated adjustments at ₹50.51 crore.  

Retail banking operations achieved a positive turnaround result of ₹29.90 crore, contrasting sharply with a segment loss of ₹181.00 crore in the identical baseline quarter last fiscal year. 

Analytical Asset Quality Ratios and Capital Issuance 

Gross non-performing assets (NPAs) stood at ₹1,253.34 crore, and net NPAs dropped down to ₹184.12 crore. The gross NPA percentage to gross advances was recorded at 5.40%, showing improvement against 7.48% in Q1 FY26.  

The net NPA ratio contracted down to 0.83% from a higher marker of 3.77% in the previous year. The bank's Basel II capital adequacy ratio reached a healthy 23.86%, up from 22.74% year-on-year.  

Bolstering its capital base during the quarter, the bank raised ₹85.00 crore via private placement of Basel II compliant lower Tier II subordinated non-convertible debentures. 

Read More: Gillette India Share Price in Focus After Q1 FY27 Earnings Results: Total Income Up 10.5% YoY!  

ESAF Small Finance Bank Share Price Performance 

As of July 31, 2026, at 2:01 PM, ESAF Small Finance Bank share price on NSE was trading at ₹38.66, up by 5.98% from the previous closing price. 

Conclusion 

ESAF Small Finance Bank's Q1 2026 results highlight a 31.5% YoY increase in total income to ₹1,346.01 crore and a net profit of ₹80.08 crore, reversing a previous year's net loss of ₹81.22 crore. 

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