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View Promises →ESAF Small Finance Bank Limited — Q3 FY26
ESAF Small Finance Bank reported a turnaround in Q3 FY26 with PAT of ₹7 crore, returning to profitability after losses.
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ESAF Small Finance Bank reported a turnaround in Q3 FY26 with PAT of ₹7 crore, returning to profitability after losses. Key drivers include a strategic shift to secured lending under the MARG framework (MSME, Agri, Retail, Gold), which now constitutes 60% of advances (up from 45% a year ago). Gross NPA declined to 5.6% and net NPA to 2.7%, with slippages sharply lower at ₹219 crore. Disbursements grew 134% YoY and 46% QoQ, led by secured segments. Management guided for loan growth of ~25% in FY27 and normalized credit cost of 2-3%. The bank targets 70% secured portfolio by March 2027. Risks include potential residual stress in the microfinance book and slower-than-expected ROA normalization to 1.5-2% by FY28.
ESAF स्मॉल फाइनेंस बैंक ने चालू वित्त वर्ष की तीसरी तिमाही में 7 करोड़ रुपये का शुद्ध लाभ कमाया, जो पिछले नुकसान के बाद मुनाफे में वापसी है। बैंक ने अब सुरक्षित कर्ज (जैसे MSME, कृषि, खुदरा और सोने के कर्ज) पर जोर दिया है, जो अब कुल कर्ज का 60% है (पिछले साल 45% था)। खराब कर्ज (NPA) घटकर 5.6% और शुद्ध खराब कर्ज 2.7% रह गया। नए कर्ज बांटने में 134% की बढ़ोतरी हुई। बैंक अगले साल 25% कर्ज बढ़ाने और 2027 तक 70% सुरक्षित कर्ज का लक्ष्य रखता है। हालांकि, छोटे कर्ज (माइक्रोफाइनेंस) में कुछ जोखिम बाकी है।
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Residual stress in microfinance book
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Secured Portfolio Share
60%
+15pp YoY
Secured advances now 60% of total, up from 45% a year ago, driven by MARG strategy.
Disbursements Growth
₹13,000 Cr
+134% YoY
Quarterly disbursements grew 134% YoY and 46% QoQ, broad-based across secured segments.
Gross NPA
5.6%
-6pp YoY
Gross NPA reduced to 5.6% from elevated levels, reflecting improved asset quality.
CASA Ratio
25.1%
+0.8pp YoY
CASA ratio improved to 25.1%, supporting lower cost of funds.
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Guidance and risk preview
Management expects loan book growth of around 25% in FY27, up from ~15% in FY26.
Despite stabilization, the microfinance book still carries elevated NPA levels and write-offs of ₹1,008 crore in 9M FY26.
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