{"id":332205,"date":"2026-10-29T14:00:39","date_gmt":"2026-10-29T08:30:39","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/"},"modified":"2026-10-29T14:00:39","modified_gmt":"2026-10-29T08:30:39","slug":"esaf-small-finance-bank-q2-results-fy27-pat-160-crore","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/","title":{"rendered":"ESAF Small Finance Bank Q2 Results FY27: PAT Swings to Rs 160.17 Cr From a Loss on Revenue of Rs 1,388.04 Cr"},"content":{"rendered":"<div style=\"background:#F0F9FF;border-left:4px solid #2E7D32;border-radius:6px;padding:14px 18px;margin:18px 0;\">\n<p style=\"margin:0;color:#1F4E79;font-size:14px;\"><strong>Quick Answer<\/strong><\/p>\n<p style=\"margin:8px 0 0;\">ESAF Small Finance Bank Q2 Results FY27 were declared on 29 October 2026 on a Standalone basis. ESAF Small Finance Bank reported revenue of Rs 1,388.04 Cr, up 43.84% YoY, and net profit of Rs 160.17 Cr, against a net loss of Rs 115.81 Cr in the same quarter last year. The quarterly results show revenue and net profit as the two headline lines. YoY growth across these lines is covered in the sections below.<\/p>\n<\/div>\n<p><a href=\"https:\/\/univest.in\/stocks\/esafsfb\/esaf-small-finance-bank-ltd-share-price-today\">ESAF Small Finance Bank Ltd<\/a> (ESAFSFB) Q2 Results FY27 announced on 29 October 2026, covering the company&#8217;s financial performance for the July to September quarter. The results date brings ESAF Small Finance Bank Q2 Results FY27 on a Standalone basis, with revenue of Rs 1,388.04 Cr and PAT of Rs 160.17 Cr. Compared with the same quarter last year, revenue was up 43.84% and the net profit was Rs 160.17 Cr, against a net loss of Rs 115.81 Cr in the same quarter last year. These standalone results are the base for the analysis that follows.<\/p>\n<p>This results analysis of ESAF Small Finance Bank Q2 Results covers the financial highlights, the business drivers, the outlook and the key risks. Univest readers can use the Univest Screener alongside it to track how ESAF Small Finance Bank compares on other metrics. The Financial Highlights section opens the numbers.<\/p>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&#038;utm_medium=quarterly_results\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/#ESAF_Small_Finance_Bank_Q2_Results_FY27_Financial_Highlights\" title=\"ESAF Small Finance Bank Q2 Results FY27: Financial Highlights\">ESAF Small Finance Bank Q2 Results FY27: Financial Highlights<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/#Key_Takeaways_from_ESAF_Small_Finance_Bank_Q2_Results_What_Stands_Out\" title=\"Key Takeaways from ESAF Small Finance Bank Q2 Results: What Stands Out\">Key Takeaways from ESAF Small Finance Bank Q2 Results: What Stands Out<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/#ESAF_Small_Finance_Bank_Q2_Results_FY27_Performance_Analysis\" title=\"ESAF Small Finance Bank Q2 Results FY27: Performance Analysis\">ESAF Small Finance Bank Q2 Results FY27: Performance Analysis<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/#Key_Business_Factors_This_Quarter\" title=\"Key Business Factors This Quarter\">Key Business Factors This Quarter<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/#FY27_Outlook_After_ESAF_Small_Finance_Bank_Q2_Results\" title=\"FY27 Outlook After ESAF Small Finance Bank Q2 Results\">FY27 Outlook After ESAF Small Finance Bank Q2 Results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/#Key_Risks_to_Watch_After_ESAF_Small_Finance_Bank_Q2_Results_FY27\" title=\"Key Risks to Watch After ESAF Small Finance Bank Q2 Results FY27\">Key Risks to Watch After ESAF Small Finance Bank Q2 Results FY27<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/#Return_on_Equity\" title=\"Return on Equity\">Return on Equity<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/#Annual_Per-Share_Profit\" title=\"Annual Per-Share Profit\">Annual Per-Share Profit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/#Quarterly_Net_Profit_Range\" title=\"Quarterly Net Profit Range\">Quarterly Net Profit Range<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/#Frequently_Asked_Questions_on_ESAF_Small_Finance_Bank_Q2_Results_FY27\" title=\"Frequently Asked Questions on ESAF Small Finance Bank Q2 Results FY27\">Frequently Asked Questions on ESAF Small Finance Bank Q2 Results FY27<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/#What_are_ESAF_Small_Finance_Bank_Q2_Results_FY27\" title=\"What are ESAF Small Finance Bank Q2 Results FY27?\">What are ESAF Small Finance Bank Q2 Results FY27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/#What_is_the_results_date_for_ESAF_Small_Finance_Bank_Q2_Results_FY27\" title=\"What is the results date for ESAF Small Finance Bank Q2 Results FY27?\">What is the results date for ESAF Small Finance Bank Q2 Results FY27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/#What_revenue_was_reported_in_ESAF_Small_Finance_Bank_Q2_Results_FY27\" title=\"What revenue was reported in ESAF Small Finance Bank Q2 Results FY27?\">What revenue was reported in ESAF Small Finance Bank Q2 Results FY27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/#What_net_profit_was_reported_in_ESAF_Small_Finance_Bank_Q2_Results_FY27\" title=\"What net profit was reported in ESAF Small Finance Bank Q2 Results FY27?\">What net profit was reported in ESAF Small Finance Bank Q2 Results FY27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/#How_much_YoY_growth_did_revenue_show_in_ESAF_Small_Finance_Bank_Q2_Results_FY27\" title=\"How much YoY growth did revenue show in ESAF Small Finance Bank Q2 Results FY27?\">How much YoY growth did revenue show in ESAF Small Finance Bank Q2 Results FY27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/#Did_net_profit_rise_or_fall_in_ESAF_Small_Finance_Bank_Q2_Results\" title=\"Did net profit rise or fall in ESAF Small Finance Bank Q2 Results?\">Did net profit rise or fall in ESAF Small Finance Bank Q2 Results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/#What_was_the_YoY_growth_in_net_profit_in_ESAF_Small_Finance_Bank_Q2_Results_FY27\" title=\"What was the YoY growth in net profit in ESAF Small Finance Bank Q2 Results FY27?\">What was the YoY growth in net profit in ESAF Small Finance Bank Q2 Results FY27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/#Are_ESAF_Small_Finance_Bank_Q2_Results_consolidated_results_or_standalone_results\" title=\"Are ESAF Small Finance Bank Q2 Results consolidated results or standalone results?\">Are ESAF Small Finance Bank Q2 Results consolidated results or standalone results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/#What_business_factors_shaped_ESAF_Small_Finance_Bank_Q2_Results_FY27\" title=\"What business factors shaped ESAF Small Finance Bank Q2 Results FY27?\">What business factors shaped ESAF Small Finance Bank Q2 Results FY27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/#What_are_the_key_risks_after_ESAF_Small_Finance_Bank_Q2_Results_FY27\" title=\"What are the key risks after ESAF Small Finance Bank Q2 Results FY27?\">What are the key risks after ESAF Small Finance Bank Q2 Results FY27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/#What_is_the_outlook_after_ESAF_Small_Finance_Bank_Q2_Results\" title=\"What is the outlook after ESAF Small Finance Bank Q2 Results?\">What is the outlook after ESAF Small Finance Bank Q2 Results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/univest.in\/blogs-2\/esaf-small-finance-bank-q2-results-fy27-pat-160-crore\/#Where_can_I_find_the_complete_ESAF_Small_Finance_Bank_Q2_Results_FY27_data\" title=\"Where can I find the complete ESAF Small Finance Bank Q2 Results FY27 data?\">Where can I find the complete ESAF Small Finance Bank Q2 Results FY27 data?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"ESAF_Small_Finance_Bank_Q2_Results_FY27_Financial_Highlights\"><\/span><strong>ESAF Small Finance Bank Q2 Results FY27: Financial Highlights<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<tbody>\n<tr>\n<th>Metric<\/th>\n<th>Q2 FY27 (Sep 26)<\/th>\n<th>Q2 FY26 (Sep 25)<\/th>\n<th>YoY Change<\/th>\n<\/tr>\n<tr>\n<td><strong>Revenue<\/strong><\/td>\n<td>Rs 1388.04 Cr<\/td>\n<td>Rs 964.98 Cr<\/td>\n<td>+43.84% YoY<\/td>\n<\/tr>\n<tr>\n<td><strong>Net Profit (PAT)<\/strong><\/td>\n<td>Rs 160.17 Cr<\/td>\n<td>Rs -115.81 Cr<\/td>\n<td>+238.3% YoY<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Source: company filing for ESAF Small Finance Bank Q2 Results FY27, 29 October 2026. Figures in Rs Crore, Standalone basis.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Takeaways_from_ESAF_Small_Finance_Bank_Q2_Results_What_Stands_Out\"><\/span><strong>Key Takeaways from ESAF Small Finance Bank Q2 Results: What Stands Out<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Revenue:<\/strong> ESAF Small Finance Bank reported revenue of Rs 1,388.04 Cr, up 43.84% YoY against Rs 964.98 Cr in the same quarter of the previous year.<\/li>\n<li><strong>Net profit:<\/strong> Net profit stood at Rs 160.17 Cr, against a net loss of Rs 115.81 Cr in the same quarter last year, which sets the YoY growth picture for the bottom line.<\/li>\n<li><strong>Basis:<\/strong> ESAF Small Finance Bank Q2 Results FY27 are standalone results declared on 29 October 2026, so every figure in this article follows that single reporting basis.<\/li>\n<li><strong>Margin:<\/strong> Net profit margin improved to 11.5% from -12.0% in the comparison quarter. This links the revenue and net profit lines in the same quarter.<\/li>\n<li><strong>Next:<\/strong> The performance analysis below sets out how revenue and profit moved against the same quarter last year.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"ESAF_Small_Finance_Bank_Q2_Results_FY27_Performance_Analysis\"><\/span><strong>ESAF Small Finance Bank Q2 Results FY27: Performance Analysis<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>ESAF Small Finance Bank Q2 Results FY27 show that ESAF Small Finance Bank reported revenue of Rs 1,388.04 Cr, up 43.84% YoY, and net profit of Rs 160.17 Cr, against a net loss of Rs 115.81 Cr in the same quarter last year. These are the headline standalone results for the quarter.<\/p>\n<p>The same quarter last year recorded revenue of Rs 964.98 Cr and a net loss of Rs 115.81 Cr, which is the base for every YoY growth figure here. In ESAF Small Finance Bank Q2 Results, the revenue change of 43.84% and the net profit change, a swing from a net loss of Rs 115.81 Cr a year earlier, move at different rates, so the two lines are best read together.<\/p>\n<p>The quarterly results therefore give two readings: a top-line change of 43.84% and a bottom-line net profit of Rs 160.17 Cr. ESAF Small Finance Bank Q2 Results FY27 also leave the next question open, namely what drove these numbers, which is where the results analysis turns to the business factors.<\/p>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Check the Univest Screener for live results data<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Business_Factors_This_Quarter\"><\/span><strong>Key Business Factors This Quarter<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Revenue Trend<\/strong> &#8211; The results analysis points to this first business factor. Revenue grew 43.8% year on year to Rs 1,388.04 Cr in the latest quarter. Revenue is the first line of the statement, so this movement sets the base for every profit figure that follows in the results.<\/p>\n<p><strong>Net Profit Versus Loss<\/strong> &#8211; Company returned to a net profit of Rs 160.17 Cr from a loss in the comparison quarter. The comparison quarter carried a net loss, so the latest net profit stands against a negative base rather than a positive one. ESAF Small Finance Bank Q2 Results FY27 carry this into the standalone results reported on 29 October 2026.<\/p>\n<p><strong>Net Profit Margin<\/strong> &#8211; Net profit margin improved to 11.5% from -12.0% in the comparison quarter. Margin shows how much of each rupee of revenue reached net profit, which links the revenue figure to the bottom line in the same quarter. The quarterly results place it next to the headline revenue and net profit figures.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"FY27_Outlook_After_ESAF_Small_Finance_Bank_Q2_Results\"><\/span><strong>FY27 Outlook After ESAF Small Finance Bank Q2 Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The FY27 view starts from what the quarter shows for ESAF Small Finance Bank. ESAF Small Finance Bank has reported revenue of Rs 1,388.04 Cr and net profit of Rs 160.17 Cr for Q2, and full-year FY27 results will depend on the quarters still to be declared.<\/p>\n<p>The results analysis for FY27 therefore rests on subsequent quarterly disclosures and on disclosed sector conditions, not on any projection. The net profit of Rs 160.17 Cr is one data point in that series, and readers can follow later filings on Univest. That makes it important to review the risks recorded for this quarter.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Risks_to_Watch_After_ESAF_Small_Finance_Bank_Q2_Results_FY27\"><\/span><strong>Key Risks to Watch After ESAF Small Finance Bank Q2 Results FY27<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Return_on_Equity\"><\/span><strong>Return on Equity<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Return on equity was low at -8.93% in FY26. A weak ratio indicates how little annual profit is generated per rupee of shareholder equity and is a reference for the quality of earnings. This sits next to the YoY growth of 43.84% in revenue reported in ESAF Small Finance Bank Q2 Results FY27.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Annual_Per-Share_Profit\"><\/span><strong>Annual Per-Share Profit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Annual per-share profit has slipped from Rs 1.22 in FY22 to Rs -3.23 in FY26. Per-share profit trends over several years show how the company has rewarded each share through its annual results.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Quarterly_Net_Profit_Range\"><\/span><strong>Quarterly Net Profit Range<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Quarterly net profit has been volatile, ranging from Rs -115.81 Cr to Rs 160.17 Cr over the last 5 quarters. A wide quarterly range means one strong or weak quarter may not represent the usual run rate, so the next disclosure matters. The next disclosure will show whether this level continues.<\/p>\n<p style=\"margin-top:24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&#038;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track quarterly results as they are declared.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>ESAF Small Finance Bank Q2 Results FY27 show revenue of Rs 1,388.04 Cr and net profit of Rs 160.17 Cr on a Standalone basis, declared on 29 October 2026. These quarterly results should be read together with the risks above and the reference ratios listed. For a quick summary of ESAF Small Finance Bank Q2 Results, these standalone results are the figures to note. Investors should consult a SEBI-registered advisor before acting.<\/p>\n<div style=\"background:#CC0000;border-radius:8px;padding:16px 20px;margin:24px 0;\">\n<p style=\"color:#FFFFFF;font-size:13px;line-height:1.7;margin:0;\"><strong style=\"color:#FFFFFF;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice. Research Analyst: Uniresearch Global Pvt. Ltd., SEBI Registration No. INH000013776.<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_on_ESAF_Small_Finance_Bank_Q2_Results_FY27\"><\/span><strong>Frequently Asked Questions on ESAF Small Finance Bank Q2 Results FY27<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_are_ESAF_Small_Finance_Bank_Q2_Results_FY27\"><\/span><strong>What are ESAF Small Finance Bank Q2 Results FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> ESAF Small Finance Bank Q2 Results FY27 report revenue of Rs 1,388.04 Cr and net profit of Rs 160.17 Cr for July to September 2026. Alongside this, the Quick Answer summarises both figures.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_results_date_for_ESAF_Small_Finance_Bank_Q2_Results_FY27\"><\/span><strong>What is the results date for ESAF Small Finance Bank Q2 Results FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> ESAF Small Finance Bank declared its quarterly results on 29 October 2026 for the July to September 2026 quarter. This results date applies to the standalone results covered in the introduction of this article.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_revenue_was_reported_in_ESAF_Small_Finance_Bank_Q2_Results_FY27\"><\/span><strong>What revenue was reported in ESAF Small Finance Bank Q2 Results FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> ESAF Small Finance Bank reported revenue of Rs 1,388.04 Cr, compared with Rs 964.98 Cr a year earlier, so the Financial Highlights table shows the YoY change as up 43.84%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_net_profit_was_reported_in_ESAF_Small_Finance_Bank_Q2_Results_FY27\"><\/span><strong>What net profit was reported in ESAF Small Finance Bank Q2 Results FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> ESAF Small Finance Bank reported a net profit of Rs 160.17 Cr, against a net loss of Rs 115.81 Cr in the same quarter last year, while the Performance Analysis section explains how this compares with revenue.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_much_YoY_growth_did_revenue_show_in_ESAF_Small_Finance_Bank_Q2_Results_FY27\"><\/span><strong>How much YoY growth did revenue show in ESAF Small Finance Bank Q2 Results FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Revenue moved up 43.84% YoY to Rs 1,388.04 Cr, which means the top line grew against Rs 964.98 Cr; the Key Takeaways section lists this first for the quarter.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Did_net_profit_rise_or_fall_in_ESAF_Small_Finance_Bank_Q2_Results\"><\/span><strong>Did net profit rise or fall in ESAF Small Finance Bank Q2 Results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Net profit was Rs 160.17 Cr compared with a net loss of Rs 115.81 Cr a year earlier, so the YoY direction is up; the Performance Analysis section sets this against revenue.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_was_the_YoY_growth_in_net_profit_in_ESAF_Small_Finance_Bank_Q2_Results_FY27\"><\/span><strong>What was the YoY growth in net profit in ESAF Small Finance Bank Q2 Results FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> ESAF Small Finance Bank Q2 Results FY27 show net profit of Rs 160.17 Cr, a swing from a net loss to a net profit. Alongside this, the Key Takeaways section lists the comparison.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_ESAF_Small_Finance_Bank_Q2_Results_consolidated_results_or_standalone_results\"><\/span><strong>Are ESAF Small Finance Bank Q2 Results consolidated results or standalone results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> ESAF Small Finance Bank Q2 Results are standalone results reported by ESAF Small Finance Bank on 29 October 2026, so every figure follows that basis, as the Quick Answer and Conclusion state.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_business_factors_shaped_ESAF_Small_Finance_Bank_Q2_Results_FY27\"><\/span><strong>What business factors shaped ESAF Small Finance Bank Q2 Results FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The business factors include: Revenue grew 43.8% year on year to Rs 1,388.04 Cr in the latest quarter. Alongside this, the Key Business Factors section lists the others.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_key_risks_after_ESAF_Small_Finance_Bank_Q2_Results_FY27\"><\/span><strong>What are the key risks after ESAF Small Finance Bank Q2 Results FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The risks include: Return on equity was low at -8.93% in FY26. Alongside this, the Key Risks to Watch section covers the others for the quarter in this article.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_outlook_after_ESAF_Small_Finance_Bank_Q2_Results\"><\/span><strong>What is the outlook after ESAF Small Finance Bank Q2 Results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The FY27 view rests on later quarterly disclosures and disclosed sector conditions, which means the FY27 Outlook section stays tied to the Q2 numbers reported so far for ESAF Small Finance Bank.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Where_can_I_find_the_complete_ESAF_Small_Finance_Bank_Q2_Results_FY27_data\"><\/span><strong>Where can I find the complete ESAF Small Finance Bank Q2 Results FY27 data?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The Financial Highlights table in this article lists revenue and net profit for the quarter and the same quarter last year, and the Univest Screener tracks ESAF Small Finance Bank alongside other companies.<\/p>\n<p><script type=\"application\/ld+json\" class=\"faq-schema\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What are ESAF Small Finance Bank Q2 Results FY27?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"ESAF Small Finance Bank Q2 Results FY27 report revenue of Rs 1,388.04 Cr and net profit of Rs 160.17 Cr for July to September 2026. 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Check YoY growth and results analysis from the 29 October 2026 filing.\",\"author\":{\"@type\":\"Organization\",\"name\":\"Univest\"},\"publisher\":{\"@type\":\"Organization\",\"name\":\"Univest\",\"url\":\"https:\/\/univest.in\"},\"about\":{\"@type\":\"Corporation\",\"name\":\"ESAF Small Finance Bank Ltd\"}}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>ESAF Small Finance Bank Q2 Results FY27: revenue Rs 1,388.04 Cr, net profit Rs 160.17 Cr on a standalone basis.<\/p>\n","protected":false},"author":29,"featured_media":332204,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5331],"tags":[],"class_list":["post-332205","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-https-univest-in-blogs-category-results"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["332204"],"rank_math_title":["ESAF Small Finance Bank Q2 Results FY27: PAT Swings to Rs 160.17 Cr From a Loss"],"rank_math_description":["ESAF Small Finance Bank Q2 Results: Standalone revenue \u20b91,388.04 Cr, PAT \u20b9160.17 Cr. 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