ESAFSFB

What ESAF Small Finance Bank promised, and what happened

Every commitment management made on a call, tracked from the quarter it was made — reaffirmed, revised, diluted or quietly dropped.

Guidance record · Q1 FY27

what the last two calls moved 16 tracked 3 delivered 2 missed 11 open
  • Net Interest Margin (NIM) revised up said Q4 FY25 Promised: Comfortable operating with a higher secured loan book at a net interest margin of somewhere around 8%. Q1 FY27: NIM at 7.9%. Management revised guidance upwards to 'above 7.5%' from '7% +/- 0.5%'.
  • Return on Assets (ROA) delivered said Q4 FY25 Promised: Positive ROA will be achieved by second half of FY '26 (Q3 and Q4) Q4 FY26: PAT improved to 24 crores
  • Unsecured Business Share missed said Q2 FY26 Promised: Keep the mix at around 35% unsecured and 65% secured by the current year end. Q4 FY26: Secured mix is 61%, implying unsecured is 39%. Missed the 35% target for FY26 end.

The rest of the ledger

Above is what the last two calls moved. Pro opens all 16 tracked commitments for ESAF Small Finance Bank — every quarter's revision, the source quote behind each one, and the topics management has stopped answering.

See what Pro opens