On Tuesday, ESAF Small Finance Bank (ESAF.NS) saw its NSE-listed shares climb 5% to ₹42.94, hitting the upper circuit after announcing Q2 results.
The bank posted a net profit of ₹160 cr, a swing of ₹276 cr from the ₹116 cr loss reported for FY25.
Net Interest Income surged to ₹643.5 cr, up 73% YoY from ₹372 cr, while total income rose 31% to ₹1.346 bn from ₹1.023 bn.
Gross NPA fell to 2.84% from 5.4% YoY and Net NPA dropped to 0.34% from 0.83%, aligning with the sector trend of tightening credit risk.
Over the past year, ESAF’s share price has climbed 53%, trading 6.65% below its 52‑week high of ₹46.00 and 117% above its 52‑week low of ₹19.78.
The bank will release FY27 Q3 results on July 15; analysts project a 12% EPS growth if the NII momentum continues.