ESAF Small Finance Bank Ltd

ESAF Small Finance Bank Annual General Meeting

ESAF Small Finance Bank will hold its 10th AGM on August 14, 2026, via video conferencing. The cut-off date for e-voting is August 7, 2026.

ESAF Small Finance Bank Other Announcement

ESAF Small Finance Bank filed its June 2026 compliance disclosure. The filing updates static details of its Company Secretary and RTA, with no material corporate action.

ESAF Small Finance Bank Results Update

ESAF Bank reported Q1 FY27 deposits at ₹26,925 Cr, up 18.62% YoY. Gross advances rose 27.39% YoY to ₹23,216 Cr, with total business at ₹51,141 Cr.

ESAF Small Finance Bank Debt & Borrowing

ESAF Small Finance Bank Ltd issued non‑convertible debt securities as part of its capital alteration. The issue was approved by the board on 3 Nov 2025.

ESAF Small Finance Bank Debt & Borrowing: ₹85 Cr

ESAF Small Finance Bank announced issuance of ₹85 Crore Tier‑II non‑convertible debentures on a private placement. The 7.65‑year bonds carry 11.65% interest and will be listed on NSE.

Value

₹85.00 Cr

ESAF Small Finance Bank Business Update

ESAF Small Finance Bank reported total business of ₹50,029 crore as of 11 June 2026. The milestone underscores the bank's scale and growth.

Value

₹50,029 Cr

ESAF Small Finance Bank Debt & Borrowing

ESAF Small Finance Bank fixed record dates for interest payments on various Non-Convertible Debentures. Payments are scheduled throughout the quarter ending September 30, 2026.

ESAF Small Finance Bank Debt & Borrowing: ₹0.81 Cr

ESAF Small Finance Bank paid ₹0.81 Crore interest on its non-convertible securities due June 04, 2026. The timely payment confirms compliance with SEBI debt servicing obligations.

Value

₹0.81 Cr

ESAF Small Finance Bank Management Change

ESAF Small Finance Bank appointed G Narasimha Murthy as CRO and Poulose Bharanikulangara as Head of Internal Audit. These appointments follow the planned retirements of the incumbents.

ESAF Small Finance Bank Management Change

ESAF Small Finance Bank approved the appointment of Ashok Dhamankar and Hari Velloor as directors for three-year terms. These appointments strengthen the bank's board and governance.

Execution

3 years

ESAF Small Finance Bank Board Meeting Outcome

ESAF Small Finance Bank approved the appointments of two Directors, a Chief Risk Officer, and a Head of Internal Audit. These leadership changes ensure governance continuity.

ESAF Small Finance Bank Employee Stock Options

ESAF Small Finance Bank allotted 275,284 equity shares under its ESOP/ESPS scheme. This issuance increases the total paid-up share capital to approximately ₹515.95 Crore.

ESAF Small Finance Bank Employee Stock Options

ESAF Small Finance Bank allotted 2,75,284 equity shares following employee stock option exercises. The allotment increases paid-up capital, reflecting employee participation in equity growth.

Value

₹0.43 Cr

ESAF Small Finance Bank Other Announcement

ESAF Small Finance Bank filed its Annual Secretarial Compliance Report for FY 2025-26. The report confirms overall regulatory compliance with SEBI and other statutory requirements.

ESAF Small Finance Bank Debt & Borrowing: ₹1.38 Cr

ESAF Small Finance Bank paid ₹1.38 Crore interest on its non-convertible debentures. The quarterly payment confirms timely debt servicing for its ₹50 Crore issue.

Value

₹1.38 Cr

Execution

Quarterly

ESAF Small Finance Bank Debt & Borrowing: ₹4.13 Cr

ESAF Small Finance Bank paid ₹4.13 Crore interest on its non-convertible debentures. The timely payment confirms compliance with debt obligations and term sheet requirements.

Value

₹4.13 Cr

ESAF Small Finance Bank Earnings Call: Key Takeaways

ESAF Small Finance Bank reports Q4 FY26 results with a shift toward secured lending (61% of mix) and improved profitability (PAT INR 24cr).

ESAF Small Finance Bank Debt & Borrowing: ₹0.79 Cr

ESAF Small Finance Bank Limited has successfully made a timely interest payment of ₹0.79 Crore for its non-convertible debentures (ISIN: INE818W08099). The payment was made on May 04, 2026, in accordance with the terms of the issue. This confirms the bank's adherence to its debt servicing obligations.

Value

₹0.79 Cr

ESAF Small Finance Bank Earnings Call: Key Takeaways

ESAF SFB reported a shift toward secured M.A.R.G. lending (57% of advances) in FY26. While FY26 saw a net loss of ₹166cr, Q4 showed recovery with ₹24cr PAT.

ESAF Small Finance Bank Earnings Call: Key Takeaways

ESAF SFB reported a shift toward secured M.A.R.G. lending (57% of advances) to de-risk the portfolio, despite an FY26 PAT loss of ₹166cr driven by prior provisions.

ESAF Small Finance Bank Earnings Call: Key Takeaways

ESAF SFB reported FY26 Pre-Provision Operating Profit of ₹712cr (up 15.7% YoY) but a PAT loss of ₹(166)cr. Strategy focuses on secured M.A.R.G portfolio growth and digital expansion.

ESAF Small Finance Bank Results Update

ESAF Small Finance Bank reported a net profit of ₹24 Crore for Q4 FY26, reversing a year-ago loss. Operating profit grew 166.1% YoY to ₹241 Crore, driven by a 72% growth in its secured MARG portfolio. Asset quality improved with Gross NPA reducing to 5.4%. The bank also expanded its network by adding 16 branches in FY26.

Value

₹24.00 Cr

ESAF Small Finance Bank Management Change

ESAF Small Finance Bank approved a broad leadership reorganization effective May 1, 2026. The Bank reclassified several officials from Key Managerial Personnel to Senior Management Personnel and established a new framework designating all Executive Vice Presidents and Control Function Heads as Senior Management Personnel to streamline its management structure.

ESAF Small Finance Bank Management Change

ESAF Small Finance Bank has recommended the re-appointment of Prof. Biju Varkkey as a Non-Executive Independent Director for a three-year term starting August 17, 2026. The appointment is subject to shareholder approval at the upcoming Annual General Meeting.

Execution

3 years

ESAF Small Finance Bank Board Meeting Outcome

ESAF Small Finance Bank's Board recommended the re-appointment of Prof. Biju Varkkey as Non-Executive Independent Director for three years from August 2026. Additionally, five officials, including the Chief Risk Officer and Head of Internal Audit, were reclassified from Key Managerial Personnel to Senior Management Personnel effective May 1, 2026.

ESAF Small Finance Bank Q4 FY26 Results: Turns Profitable, Net Profit ₹23.5 Cr

ESAF Small Finance Bank Ltd reported revenue from operations of ₹995.1 Cr (+11.5% YoY) and net profit of ₹23.5 Cr for Q4 FY26.

Key figure

Net profit ₹23.5 Cr

ESAF Small Finance Bank Financial Results

ESAF Small Finance Bank reported its audited standalone financial results for FY2026, posting a net loss of ₹166.40 Crore. The Bank maintained a Capital Adequacy Ratio of 22.22% and reported a Gross NPA ratio of 5.41%. The Board also confirmed the utilization of ₹150 Crore raised through Tier II bonds.

ESAF Small Finance Bank Debt & Borrowing: ₹4.31 Cr

ESAF Small Finance Bank Limited confirmed the timely quarterly interest payment of ₹4.31 Crore for its non-convertible debentures (ISIN: INE818W08164). The payment was made on April 23, 2026, as per the terms of the ₹150 Crore issue. This confirms the bank's compliance with its debt service obligations.

Value

₹4.31 Cr

ESAF Small Finance Bank Debt & Borrowing: ₹1.78 Cr

ESAF Small Finance Bank Limited has successfully made a quarterly interest payment of ₹1.78 Crore for its non-convertible debentures (ISIN: INE818W08131). The payment was made on April 17, 2026, complying with SEBI Regulation 57.

Value

₹1.78 Cr

ESAF Small Finance Bank Employee Stock Options

ESAF Small Finance Bank Limited allotted 13,898 equity shares following the exercise of employee stock options (ESOP). This allotment increased the bank's paid-up share capital by approximately ₹0.14 Crore. Such issuances are routine corporate actions intended to incentivize employees through equity participation.

Value

₹0.14 Cr