ESAF Small Finance Bank Ltd
ESAF Small Finance Bank Q2 FY26 earnings call: Revenue & Margins
Q2 FY26 earnings call: what management said on revenue and margins.
The short version
Loan book growth is expected to be around 20-25% year-on-year, with emphasis on both secured and unsecured segments. ESAF Small Finance Bank expects positive quarterly ROA in FY26 as operating performance strengthens and provisions normalize.
From ESAF Small Finance Bank Ltd's Q2 FY26 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- Loan book growth is expected to be around 20-25% year-on-year, with emphasis on both secured and unsecured segments.
- The bank aims to maintain unsecured lending at around 30-35% of the portfolio by FY 2027.
- Disbursements have shown strong momentum, especially in gold loans, MSME, agri, and affordable housing segments.
- Microfinance disbursements are cautiously increasing, with monthly averages around INR 630 crores recently, but will stay well below previous peak levels of INR 4,000-5,000 crores per quarter.
- The bank aims for moderate business growth with a focus on quality and stability in FY 2026 as a year of consolidation.
- The strategy targets securing 70% of the loan book by March 2027.
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Profitability & Margins
Read what ESAF Small Finance Bank Ltd said on margins in the Q2 FY26 call
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What ESAF Small Finance Bank Ltd's management said in earlier quarters
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Frequently Asked Questions
What were ESAF Small Finance Bank Ltd Q2 FY26 results?
Loan book growth is expected to be around 20-25% year-on-year, with emphasis on both secured and unsecured segments. ESAF Small Finance Bank expects positive quarterly ROA in FY26 as operating performance strengthens and provisions normalize.
What is ESAF Small Finance Bank Ltd share price analysis?
ESAF Small Finance Bank Ltd currently shows a neutral. The stock trades at a P/E of N/A with a market cap of ₹1,993 Cr. Investors should review the full earnings analysis for detailed insights.
Is ESAF Small Finance Bank Ltd planning capital expenditure?
The provided transcript from ESAF Small Finance Bank Limited's Q2 & H1 FY26 Earnings Conference Call does not specifically mention any current or future capex, capital investments, or strategic investments in detail.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.