ESAF Small Finance Bank Limited — Investor Meet, 01-05-2026: Analysts/Institutional Investor Meet/Con. Call Updates

ESAF Small Finance Bank reported a positive Q4FY26 PAT of ₹24 Cr, reversing the FY26 loss of ₹166 Cr. Gross Advances grew 19.4% YoY to ₹22,426 Cr, driven by a strategic shift to secured lending. MARG loans (MSME, Agri, Retail, Gold) surged 47% YoY, now forming 57% of the portfolio, with Gold Loans up 55%. Total Disbursements for FY26 more than doubled (+103%) to ₹42,530 Cr. Deposits rose 11.1% YoY to ₹25,850 Cr, with 92% retail share. Asset quality improved with GNPA at 5.4% and NNPA at 1.8%. The bank emphasizes financial inclusion, technology use, and strong ESG performance.