ESAF Small Finance Bank Ltd — earnings calls
1 quarter summarised from transcripts filed with the exchange, every statement cited. Newest first.
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ESAF Small Finance Bank reported total business of INR 50,140 crores as of June 30, 2026, up 23% year-on-year, with gross advances growing 27% and deposits growing 19%. Profit after tax rose sequentially to INR 80 crores from INR 24 crores in the prior quarter, while gross NPA declined to 5.4% from 7.5% and net NPA declined to 0.8% from 3.8% year-on-year. Management highlighted growth in the MARG portfolio (gold, agri, vehicle, mortgage) and the emerging household segment, alongside a renewed focus on secured lending and technology investment under the ESAF 2.0 StratoNeXt program.