ESAF Small Finance Bank Limited — Investor Meet, 07-08-2026: Analysts/Institutional Investor Meet/Con. Call Updates

ESAF Small Finance Bank reported strong Q1 FY27 financial results, with total business crossing INR 50,000 Cr, up 23% YoY. Gross advances grew 27% to INR 23,216 Cr, and deposits increased 19% to INR 26,924 Cr. Net Interest Income surged 179% to INR 584 Cr, driving Profit After Tax to INR 80 Cr. Asset quality significantly improved, with Gross NPA at 5.4% (down from 7.5%) and Net NPA at 0.8% (down from 3.8%). The bank continues its strategic shift to secured lending, with MARG and Emerging Household portfolios driving growth. Management targets 2% ROA by FY27 year-end, supported by improved credit costs and ESAF 2.0 tech transformation.