ESAFSFB
ESAF Small Finance Bank (ESAFSFB)
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as of 1 Aug 2026 · not a recommendation
Evidence timeline
What management said
from NSE earnings-call filings · extracted, not interpreted
credit cost 2.0%
So steady-state basis a 2% credit cost is an expected thing going forward.
Call 08-May-2026 · transcript PDF
Outlook, as stated
CPI inflation for FY '25-'26 is projected at 3.1 percentage, while GDP growth is forecasting to remain steady at 6.5 percentage, supported by resilient domestic demand and the continued government capital expenditure.
Based on the current trend in business and delinquency levels, we expect to achieve positive quarterly ROA in FY '26 since the operating performance strengthens and provisions are expected to normalize.
As a result, secured assets now constitute 61% of our gross advances, up from 39% a year ago We remain firmly on track to achieve our 70% secured portfolio target by March 27.
4.28
concrete references per 100 words spoken — counts, currency, units and
named periods, not adjectives
Chart exhibits
as drawn · not updated since
No forward scenario
the call carried no figure that bridges to earnings growth.
Price chart
260 sessions to 31 Jul 2026 ·
daily close ·
our own broker data