ESAF Small Finance Bank Ltd (ESAFSFB) Announcements - Latest Exchange Filings with AI Summaries
Latest corporate announcements filed by ESAF Small Finance Bank Ltd on NSE and BSE, with an AI summary of each filing.
Transcript of the Earnings Call held on October 29, 2026.
Transcript · 04 Nov 2026, 8:45 pm
Audio Recording of the Investor Conference Call held on October 29, 2026.
Audio / Video · 30 Oct 2026, 3:40 am
ESAF Small Finance Bank Releases Audio Recording for Q2/H1 FY27 Earnings Call ESAF Small Finance Bank announced that the audio recording of its earnings conference call held on 29th Oct'26 at 4:00 PM IST is now publicly available. The call reviewed the bank’s financial performance for the quarter and half-year ended 30th Sep'26. The full recording has been uploaded to the bank’s official investor relations portal for stakeholder and market access.
Press Release on the financial results for the Quarter and Half Year ended September 30, 2026.
Press Release · 29 Oct 2026, 11:45 pm
ESAF Small Finance Bank Delivers Record Profit and Asset Quality in Q2 FY27 ESAF Small Finance Bank posted a record PAT of ₹160 Crore in Q2 FY27, turning profitable from a loss of ₹116 Crore in Q2 FY26. NIM expanded to 8.2% from 5.9% YoY, lifting PPOP by 289% YoY to ₹362 Crore. Asset quality strengthened sharply as GNPA/NNPA improved to 2.8%/0.3% as of 30th Sep'26 versus 8.5%/3.8% YoY, supported by a 94.0% PCR. Gross advances rose 25% YoY to ₹23,934 Crore, with secured loans contributing 64%, while deposits grew 24% YoY to ₹28,466 Crore.
Investor Presentation on the Financial Results for the Quarter and Half Year ended September 30, 2026.
Investor Presentation · 29 Oct 2026, 7:27 pm
ESAF Small Finance Bank Reports Strong Q2 FY27 Financial Turnaround and Growth ESAF Small Finance Bank posted a PAT of ₹160.17 crore for Q2 FY27, turning profitable from a net loss of ₹115.81 crore in Q2 FY26. Net Interest Income rose 73.0% YoY to ₹643.25 crore, driven by NIM expanding to 8.2% from 5.9%. Gross advances climbed 25% YoY to ₹23,934 crore, with secured loans reaching 64%. Asset quality improved substantially as GNPA dropped to 2.8% (₹678.6 crore) and NNPA fell to 0.3% (₹79.9 crore), while PCR strengthened to 94.0% and CRAR reached 24.1%.
Unaudited Standalone Financial Results for the Quarter and Half Year ended September 30, 2026.
Financial Result · 29 Oct 2026, 6:47 pm
ESAF Small Finance Bank Limited has submitted to the Exchange, the financial results for the quarter and half year ended September 30, 2026.
Outcome · 29 Oct 2026, 6:41 pm
Outcome of the Board meeting held on October 29, 2026
Outcome · 29 Oct 2026, 6:38 pm
ESAF Small Finance Bank Q2 FY27 Results and Leadership Re-Appointment ESAF Small Finance Bank reported a net profit of ₹160.17 crore for Q2 ended 30th Sep'26, turning around from a loss of ₹115.81 crore YoY and doubling QoQ from ₹80.08 crore. Total income rose 43.8% YoY to ₹1,388.04 crore, supported by interest earned of ₹1,174.71 crore. Asset quality improved sharply, with GNPA declining to 2.84% (vs 8.54% YoY, 5.40% QoQ) and NNPA easing to 0.34% (vs 3.83% YoY). The Board also approved re-appointing George Kalaparambil John as Executive Director for three years from 18th May'27.
Allotment of Equity Shares pursuant to exercise of ESOPs under ESAF Employee Stock Option Scheme 2019.
Others (Uncategorized) · 27 Oct 2026, 12:19 am
ESAF Small Finance Bank Allots 42,210 Equity Shares Under ESOP Scheme ESAF Small Finance Bank allotted 42,210 equity shares of face value ₹10 each on 26th Oct'26 upon the exercise of vested options under its Employee Stock Option Scheme 2019. The shares were issued at an exercise price of ₹10 per share with nil premium and rank pari-passu with existing equity shares. Following this allotment, the bank's total issued shares increased to 51,61,62,511, expanding its total issued share capital to ₹516.16 crore.
Successful completion of migration to the new Core Banking System
Others (Uncategorized) · 26 Oct 2026, 1:37 pm
ESAF Small Finance Bank Completes Core Banking Migration to Oracle FLEXCUBE ESAF Small Finance Bank successfully completed its migration to the Oracle FLEXCUBE Core Banking System on 26th Oct'26, alongside upgrades to its data centre and allied business applications. The transition aims to strengthen technology architecture, enhance operational efficiency, improve scalability, and bolster risk management and regulatory compliance. Banking services have been fully restored for customers, with the bank actively monitoring system performance and stability to ensure seamless service delivery.
Intimation of Earnings Conference Call on the Unaudited Standalone Financial Results for the quarter and half year ended September 30, 2026.
Intimation · 29 Oct 2026, 4:00 pm
ESAF Small Finance Bank Schedules Q2FY27 Earnings Conference Call ESAF Small Finance Bank will host an earnings conference call on 29th Oct'26 at 04:00 PM IST to discuss its unaudited standalone financial results for the quarter and half-year ended 30th Sep'26 (Q2FY27). The call is organized by Elara Securities and will be represented by MD & CEO Dr. K Paul Thomas, Executive Director George K. John, and CFO Gireesh C.P. Financial results, investor presentations, and call transcripts will be accessible on the bank's website following board approval.
Intimation regarding upgradation of Core Banking System of the Bank
Others (Uncategorized) · 16 Oct 2026, 9:17 pm
ESAF Small Finance Bank Upgrades Core Banking System to Oracle FLEXCUBE ESAF Small Finance Bank is implementing Oracle FLEXCUBE as its new Core Banking System (CBS) alongside allied business applications to boost operational efficiency, scalability, resilience, and regulatory compliance. The system migration is scheduled from 23rd Oct'26 (06:00 PM) to 26th Oct'26 (10:00 AM). During this migration window, key banking services—including ATMs, debit cards, Internet and mobile banking, UPI, and agency banking—will remain temporarily unavailable. The upgrade aims to shorten product time-to-market and enhance overall digital service delivery.
To consider and approve the financial results for the Quarter and Half Year ended September 30, 2026
Intimation · 29 Oct 2026, 5:30 am
ESAF Small Finance Bank Limited has informed the Exchange about Board Meeting to be held on 29-Oct-2026 to inter-alia consider and approve the Unaudited Financial results of the Company for the Quarterly ended September 2026 .
Intimation · 29 Oct 2026, 5:30 am
ESAF Small Finance Bank Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 29/10/2026 ,inter alia, to consider and approve the Unaudited Standalone ....
Intimation · 29 Oct 2026, 5:30 am
ESAF Small Finance Bank Schedules Board Meeting for Q2 FY27 Results ESAF Small Finance Bank will hold a Board of Directors meeting on 29th Oct'26 to consider and approve its unaudited standalone financial results for the quarter and half-year ended 30th Sep'26, subject to limited review by joint statutory auditors. Consequently, the trading window for dealing in the bank's equity shares and securities for designated persons and their immediate relatives remains closed from 1st Oct'26 until 31st Oct'26.
Half Yearly Report on Listed Privately Placed NCDs as on September 30, 2026.
Others (Uncategorized) · 05 Oct 2026, 5:49 pm
ESAF Small Finance Bank Discloses Outstanding Debt Securities as of September 2026 ESAF Small Finance Bank submitted its half-yearly ISIN disclosure for privately placed debt securities as of 30th Sep'26. The bank reported nine active debt issuances with aggregate outstanding debt amounting to Rs 780 Cr. Coupon rates across the listed non-convertible debentures range from 11.00% to 11.65%, featuring monthly, quarterly, semi-annual, and annual payout schedules. Maturities span from May'29 through Feb'34, with none of the instruments carrying embedded put or call options.
Intimation on the upgrading of ESG Score by CareEdge ESG Ratings.
Others (Uncategorized) · 02 Oct 2026, 4:46 pm
ESAF Small Finance Bank ESG Score Upgraded to 77.6 by CareEdge CareEdge ESG Ratings upgraded ESAF Small Finance Bank's ESG score from 75.4 to 77.6 while retaining its "CareEdge-ESG 1" rating following an annual review on 1st Oct'26. The upgrade reflects the bank's leadership in managing ESG risks, strong workforce diversity, robust financial inclusion focus, and CSR allocations exceeding regulatory mandates. CareEdge highlighted ESAF's solid governance framework, ISO/IEC 27000 and ISO 9000 certifications, zero data breach track record, full regulatory compliance, and progress in establishing climate risk management frameworks.
Key Business Updates for the Quarter ended September 30, 2026.
Others (Uncategorized) · 02 Oct 2026, 4:58 am
ESAF Small Finance Bank Reports Q2FY27 Business Updates ESAF Small Finance Bank reported a 24.34% YoY increase in total deposits to ₹28,466 crore as of 30th Sep'26, with CASA deposits rising 9.91% YoY to ₹6,645 crore (CASA ratio at 23.34%). Gross advances grew 25.05% YoY and 3.08% QoQ to ₹23,931 crore, impacted by technical NPA write-offs of ₹625 crore (adjusted gross advances stood at ₹24,556 crore, up 28.32% YoY). Total business reached ₹53,447 crore, up 27.16% YoY, while the CD ratio stood at 84.07% and secured advances rose to 65.19%.
ESAF Small Finance Bank Limited has informed the Exchange regarding Outcome of Board Meeting held on September 23, 2026.
Outcome · 23 Sept 2026, 10:43 pm
Outcome of the Board meeting held on September 23, 2026.
Outcome · 23 Sept 2026, 10:39 pm
ESAF Small Finance Bank Approves ₹500 Crore Tier II NCD Issuance ESAF Small Finance Bank's Board of Directors approved raising Tier II Capital of up to ₹500 crore on 23rd Sep'26 via private placement of unsecured, redeemable, non-convertible debentures (NCDs) in one or more tranches. The issuance complies with shareholder borrowing limits set on 14th Aug'26 and supports the FY26-27 business plan. The Basel II-compliant subordinated bonds will be listed on NSE's Negotiated Trade Reporting Platform or BSE's Wholesale Debt Market, with specific terms, coupon rates, and tenures to be finalized by the Board's Management Committee.
Allotment of Equity Shares pursuant to exercise of ESOPs under ESAF Employee Stock Option Scheme 2019.
Others (Uncategorized) · 22 Sept 2026, 9:40 pm
ESAF Small Finance Bank Allots 11,757 Equity Shares Under ESOP Scheme 2019 ESAF Small Finance Bank Limited's Nomination, Remuneration and Compensation Committee approved the allotment of 11,757 equity shares (face value Rs. 10 each) on 22nd Sep'26 upon the exercise of vested options under the ESAF Employee Stock Option Scheme 2019. The shares were issued at an exercise price of Rs. 10 per share with nil premium and rank pari-passu with existing equity shares. Post-allotment, the bank's total issued shares increased to 51,61,20,301, representing an expanded paid-up equity share capital of Rs. 516.12 crore.
ESAF Small Finance Bank Limited has informed the Exchange about Board Meeting to be held on 23-Sep-2026 to consider Fund raising.
Intimation · 17 Sept 2026, 11:09 pm
Intimation of Board meeting to consider and approve the proposal to raise funds by way of issuance of Non-Convertible Debentures (Tier II Bonds) on Preferential basis through Private Placement
Intimation · 17 Sept 2026, 11:03 pm
ESAF Small Finance Bank Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 23/09/2026 ,inter alia, to consider and approve the proposal to raise ....
Intimation · 17 Sept 2026, 11:01 pm
ESAF Small Finance Bank Board to Consider Tier-II Bond Issuance ESAF Small Finance Bank's Board of Directors will meet on 23rd Sep'26 to consider and approve a proposal for raising funds via the issuance of Non-Convertible Debentures (Tier-II Bonds) on a preferential basis through private placement. If approved, the issuance will remain within the bank's existing borrowing limits under Section 180(1)(c) and private placement debt limits under Section 42 of the Companies Act, 2013, previously approved by shareholders on 14th Aug'26.
Allotment of Equity Shares under ESAF Employee Stock Option Scheme 2019.
Others (Uncategorized) · 02 Sept 2026, 11:21 pm
ESAF Small Finance Bank Allots 90,418 Equity Shares Under ESOP 2019 ESAF Small Finance Bank allotted 90,418 equity shares on 2nd Sep'26 under its ESOP 2019. Issued at a Rs. 10 exercise price with nil premium, these shares rank pari-passu with existing equity. Consequently, the bank's total outstanding shares increased to 51,61,08,544, reflecting a revised paid-up share capital of Rs. 516,10,85,440. The newly allotted shares carry no lock-in period.
Intimation on recent rating action by CARE Ratings.
Others (Uncategorized) · 02 Sept 2026, 8:30 pm
ESAF Small Finance Bank Earns Stable Outlook on Asset Quality Turnaround CARE Ratings reaffirmed ESAF Small Finance Bank's NCDs at 'CARE A-' and revised the outlook to Stable from Negative, driven by asset quality recovery and renewed profitability. Following a ₹1,019 crore NPA sale in FY26, GNPA and NNPA improved to 5.40% and 0.83% by Jun'26. Rebounding from five consecutive loss-making quarters, Q1FY27 PAT reached ₹80 crore. The bank's strategic portfolio rebalancing successfully reduced unsecured microfinance exposure to 38% of advances, pushing secured lending to 62%. Capitalization remains robust with a 23.86% CAR, supporting future expansion.