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    Every earnings call for ESAFSFB — management tone, guidance, KPIs and promise tracking, quarter by quarter.

    ESAFSFB · 6 transcripts · Financial Services · latest Q4 FY26
    Q2 FY26Published 12 Nov 2025Call held 12 Nov 2025

    ESAFSFB Q2 FY26 Earnings Call Transcript & Analysis

    Total Business₹42,031 cr+5% YoYTotal Deposits₹22,894 cr+6% YoYGross Advances₹19,137 cr+4% YoYCASA Ratio26.4%Net Interest Income₹364 cr

    Total Business ₹42,031 cr (+5% YoY); Total Deposits ₹22,894 cr (+6% YoY); Gross Advances ₹19,137 cr (+4% YoY). Total business grew 5% YoY to INR 42,031 crores.

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    Q1 FY26Published 11 Aug 2025Call held 11 Aug 2025

    ESAFSFB Q1 FY26 Earnings Call Transcript & Analysis

    Total Business₹42,507 cr+5% YoYDeposits₹22,698 cr+9% YoYRetail Deposits₹21,763 cr+13% YoYRetail Deposits Share96%CASA Balances₹5,628 cr+14% YoY

    Total Business ₹42,507 cr (+5% YoY); Deposits ₹22,698 cr (+9% YoY); Retail Deposits ₹21,763 cr (+13% YoY). Retail deposits grew 13.17% YoY to INR21,763 crores, now 96% of total deposits.

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    Q4 FY25Published 19 May 2025Call held 19 May 2025

    ESAFSFB Q4 FY25 Earnings Call Transcript & Analysis

    Total Loan Book₹19,643 crTotal Deposits₹23,276 cr+17% YoYCASA Balances₹5,783 cr+28% YoYNet Interest Income₹436 cr−26% YoYNet Interest Margin6.9%

    Total Loan Book ₹19,643 cr (−0% YoY); Total Deposits ₹23,276 cr (+17% YoY); CASA Balances ₹5,783 cr (+28% YoY). Secured loan book grew to 52% of total loan book in FY25, up from 29% in March 2024, surpassing the internal target of 45%.

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    Q3 FY25Published 11 Feb 2025Call held 11 Feb 2025

    ESAFSFB Q3 FY25 Earnings Call Transcript & Analysis

    Total Loan Book₹19,161 cr+6% YoYTotal Deposits₹22,415 crNet Interest Income₹487 cr−18% YoYNet Interest Margin8.6%Gross NPA6.9%

    Total Loan Book ₹19,161 cr (+6% YoY); Total Deposits ₹22,415 cr; Net Interest Income ₹487 cr (−18% YoY). Total loan book grew 5.6% YoY to INR 19,161 crores.

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