ESAF Small Finance Bank Share Price Up 5%; Net Profit Turns Positive in Q2 FY27

ESAF Small Finance Bank reported a net profit of ₹160.17 crore for Q2 FY27, compared with a net loss of ₹115.81 crore in Q2 FY26. The company’s results for the second quarter of FY27 were released on October 29, 2026. 

Profit after tax doubled from ₹80.08 crore in the June 2026 quarter. Profit before tax stood at ₹214.50 crore, against a loss of ₹155.42 crore in the year-ago period. 

Net Interest Income Increases 73% 

Net interest income rose 73% year-on-year to ₹643.25 crore from ₹371.79 crore. Interest income increased 43.3% to ₹1,174.71 crore, while interest expenses grew 18.6% to ₹531.46 crore. Other income stood at ₹213.33 crore, up 47% from ₹145.16 crore a year earlier. 

Operating expenses increased 16.6% to ₹494.19 crore. Provisions declined 40.5% to ₹147.89 crore from ₹248.67 crore in Q2 FY26. Pre-provision operating profit rose to ₹362.39 crore from ₹93.25 crore during the same period. 

Deposits and Advances Rise 

Total deposits grew 24% year-on-year to ₹28,465.63 crore as of September 2026. Retail deposits reached ₹25,475 crore, accounting for 89% of the total.  

The current account and savings account (CASA) balance increased 10% to ₹6,645 crore. Gross advances rose 25% to ₹23,934 crore from ₹19,137 crore a year earlier. Secured advances grew 32% and accounted for 64% of the portfolio.  

The Emerging Household portfolio increased 134% year-on-year to ₹7,740 crore, while microfinance advances declined 65% to ₹1,704 crore. 

Non-Performing Assets Decline 

Gross non-performing assets (GNPA) fell to ₹678.6 crore from ₹1,634.6 crore in Q2 FY26. Net non-performing assets declined to ₹79.9 crore from ₹696.4 crore. The provision coverage ratio stood at 94%, compared with 74.4% a year earlier. 

Capital Adequacy 

The capital adequacy ratio was 24.1% at the end of September 2026, against 22.4% a year earlier. The bank’s net interest margin increased to 8.2% from 5.9% in Q2 FY26. 

Read More: Pine Labs Share Price in Focus; Reports 24% Revenue Growth in Q2 FY27! 

ESAF Small Finance Bank Share Price Performance  

As of October 29, 2026, 3:30 pm, ESAF Small Finance Bank share price closed at ₹42.94, a 5% increase from the previous closing price. 

Conclusion  

The bank’s Q2 FY27 results showed higher net interest income and lower reported non-performing assets. Total deposits rose to ₹28,465.63 crore during the quarter. 

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