{"id":179469,"date":"2026-02-03T19:21:57","date_gmt":"2026-02-04T00:21:57","guid":{"rendered":"https:\/\/alphastreet.com\/india\/esaf-small-finance-bank-limited-esafsfb-q3-2026-earnings-call-transcript\/"},"modified":"2026-03-26T06:07:20","modified_gmt":"2026-03-26T10:07:20","slug":"esaf-small-finance-bank-limited-esafsfb-q3-2026-earnings-call-transcript","status":"publish","type":"post","link":"https:\/\/alphastreet.com\/india\/esaf-small-finance-bank-limited-esafsfb-q3-2026-earnings-call-transcript\/","title":{"rendered":"ESAF Small Finance Bank Limited (ESAFSFB) Q3 2026 Earnings Call Transcript"},"content":{"rendered":"

ESAF Small Finance Bank Limited (NSE: ESAFSFB) Q3 2026 Earnings Call dated Feb. 02, 2026<\/span><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

ESAF Small Finance Bank Limited (NSE: ESAFSFB) Q3 2026 Earnings Call dated Feb. 02, 2026<\/p>\n","protected":false},"author":2377,"featured_media":147581,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[6349],"tags":[10169,9175,9104,9092,14492,13842,10089],"class_list":["post-179469","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-transcripts","tag-earnings","tag-earnings-call","tag-earnings-conference","tag-earnings-transcripts","tag-financial-results","tag-motherson","tag-quarterly-earnings"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/alphastreet.com\/india\/wp-content\/uploads\/2023\/05\/Transcript-thumbnail.jpg","jetpack_likes_enabled":false,"jetpack-related-posts":[{"id":178933,"url":"https:\/\/alphastreet.com\/india\/esaf-small-finance-bank-posts-sequential-profit-recovery-in-q3-fy26-as-margins-compress-and-asset-quality-stabilizes\/","url_meta":{"origin":179469,"position":0},"title":"ESAF Small Finance Bank posts sequential profit recovery in Q3 FY26 as margins compress and asset quality stabilizes.","author":"Staff Correspondent","date":"February 2, 2026","format":false,"excerpt":"ESAF Small Finance Bank (NSE: ESAFSFB) reported a profit after tax of \u20b97 crore in Q3 FY26, reversing a loss of \u20b9116 crore in Q2 FY26, aided by higher pre-provision operating profit and lower sequential stress costs. For the nine months ended December 2025, the bank recorded a net loss\u2026","rel":"","context":"In "Analysis"","block_context":{"text":"Analysis","link":"https:\/\/alphastreet.com\/india\/category\/stock-analysis\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":178930,"url":"https:\/\/alphastreet.com\/india\/esaf-small-finance-bank-reverses-quarterly-loss-as-secured-lending-and-asset-transfers-bolster-q3-fy26-results\/","url_meta":{"origin":179469,"position":1},"title":"ESAF Small Finance Bank Reverses Quarterly Loss as Secured Lending and Asset Transfers Bolster Q3 FY26 Results","author":"Staff Correspondent","date":"February 2, 2026","format":false,"excerpt":"ESAF Small Finance Bank (NSE: ESAFSFB)\u00a0 reported a net profit of \u20b97.12 crore for the third quarter, supported by a 150% year-over-year surge in disbursements. Strategic shifting toward secured assets and the transfer of non-performing portfolios to an asset reconstruction company highlight the bank\u2019s recovery efforts. The bank returned to\u2026","rel":"","context":"In "Analysis"","block_context":{"text":"Analysis","link":"https:\/\/alphastreet.com\/india\/category\/stock-analysis\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":164566,"url":"https:\/\/alphastreet.com\/india\/esaf-small-finance-bank-ltd-q1fy25-52-fall-in-profits\/","url_meta":{"origin":179469,"position":2},"title":"ESAF Small Finance Bank Ltd Q1FY25; 52% fall in Profits","author":"Divyansh_Kasana","date":"September 27, 2024","format":false,"excerpt":"Incorporated in 1992, ESAF is a Small Finance Bank mainly focusing on providing loans to rural and semi-urban customers. Financial Results: ESAF Small Finance Bank Ltd reported Revenues for Q1FY25 of \u20b91,022.00 Crores up from \u20b9899.00 Crore year on year, a rise of 13.68%. Total Expenses for Q1FY25 of \u20b91,053.00\u2026","rel":"","context":"In "AlphaGraphs"","block_context":{"text":"AlphaGraphs","link":"https:\/\/alphastreet.com\/india\/category\/infographics\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2024\/09\/image-109.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2024\/09\/image-109.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2024\/09\/image-109.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2024\/09\/image-109.png?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2024\/09\/image-109.png?resize=1050%2C600&ssl=1 3x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2024\/09\/image-109.png?resize=1400%2C800&ssl=1 4x"},"classes":[]},{"id":155752,"url":"https:\/\/alphastreet.com\/india\/esaf-small-finance-bank-ipo-unlocking-growth-potential\/","url_meta":{"origin":179469,"position":3},"title":"ESAF Small Finance Bank IPO: Unlocking Growth Potential","author":"Divyansh_Kasana","date":"November 3, 2023","format":false,"excerpt":"ESAF Small Finance Bank, one of the prominent players in India's microfinance and small finance banking sector, is set to make its debut on the stock exchanges. The IPO, a book-built issue, aims to raise Rs 463.00 crores, comprising a fresh issue of 6.51 crore shares amounting to Rs 390.70\u2026","rel":"","context":"In "IPO"","block_context":{"text":"IPO","link":"https:\/\/alphastreet.com\/india\/category\/ipo\/"},"img":{"alt_text":"SHARDAMOTR Q1 FY26 Earnings Results","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/04\/iStock-1443507250.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/04\/iStock-1443507250.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/04\/iStock-1443507250.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/04\/iStock-1443507250.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":173537,"url":"https:\/\/alphastreet.com\/india\/esaf-small-finance-bank-limited-esafsfb-q3-2025-earnings-call-transcript\/","url_meta":{"origin":179469,"position":4},"title":"ESAF Small Finance Bank Limited (ESAFSFB) Q3 2025 Earnings Call Transcript","author":"News desk","date":"January 22, 2026","format":false,"excerpt":"ESAF Small Finance Bank Limited (NSE: ESAFSFB) Q3 2025 Earnings Call dated Feb. 11, 2025 Corporate Participants: Kadambelil Paul Thomas \u2014 Managing Director & CEO C.P. Gireesh \u2014 Chief Financial Officer George Kalaparambil John \u2014 Executive Vice President, IT and Operations Hari Velloor \u2014 Executive Vice President Unidentified Speaker Analysts:\u2026","rel":"","context":"In "Earnings Call Transcripts"","block_context":{"text":"Earnings Call Transcripts","link":"https:\/\/alphastreet.com\/india\/category\/transcripts\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/05\/Transcript-thumbnail.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/05\/Transcript-thumbnail.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/05\/Transcript-thumbnail.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":173538,"url":"https:\/\/alphastreet.com\/india\/esaf-small-finance-bank-limited-esafsfb-q2-2025-earnings-call-transcript\/","url_meta":{"origin":179469,"position":5},"title":"ESAF Small Finance Bank Limited (ESAFSFB) Q2 2025 Earnings Call Transcript","author":"News desk","date":"January 22, 2026","format":false,"excerpt":"ESAF Small Finance Bank Limited (NSE: ESAFSFB) Q2 2025 Earnings Call dated Nov. 14, 2024 Corporate Participants: K. Paul Thomas \u2014 Managing Director and Chief Executive Officer Gireesh C.P. \u2014 Executive Vice President and Chief Financial Officer Hari Velloor \u2014 Executive Vice President Analysts: Viral Sanklecha \u2014 Analyst Rishikesh Oza\u2026","rel":"","context":"In "Earnings Call Transcripts"","block_context":{"text":"Earnings Call Transcripts","link":"https:\/\/alphastreet.com\/india\/category\/transcripts\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/05\/Transcript-thumbnail.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/05\/Transcript-thumbnail.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/05\/Transcript-thumbnail.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/posts\/179469","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/users\/2377"}],"replies":[{"embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/comments?post=179469"}],"version-history":[{"count":1,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/posts\/179469\/revisions"}],"predecessor-version":[{"id":181513,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/posts\/179469\/revisions\/181513"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/media\/147581"}],"wp:attachment":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/media?parent=179469"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/categories?post=179469"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/tags?post=179469"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}