ESAF Small Finance Bank Limited — PPTs, 31-01-2026: Investor Presentation

ESAF Small Finance Bank reported a strong Q3FY26, posting a profit of ₹7 Cr, marking a turnaround from previous quarters' losses. Gross Advances grew 13.1% YoY to ₹20,679 Cr, while Deposits rose 7.1% YoY to ₹24,006 Cr. The bank is strategically de-risking, with MARG loans (MSME, Agri, Retail, Gold) now forming 59% of advances and secured loans at 63%. Asset quality saw GNPA at 5.6% and NNPA at 2.7%.

Growth drivers include a sharp focus on secured lending and expanding reach to unbanked areas. Total disbursements nearly doubled in 9MFY26 to ₹29,604 Cr, with the Gold Loan book doubling YoY. The bank also received awards for its UPI-based digital payment solution and MSME support. Management is prioritizing improved asset quality via data analytics and customer engagement, alongside boosting deposits, advances, and fee income. #ESAFSFB #Banking #FinancialResults