ESAF's Bold NPA Purge: ₹1,694 Cr Dumped for ₹183 Cr via Swiss Challenge – Leaner Future Ahead!

Portfolio outstanding: ₹1,693.65 crore (cut-off September 30, 2025)
Sale consideration: ₹183.18 crore aggregate
Process: Swiss Challenge Method concluded December 29, 2025
Prior intimation: Board approval reference 04/SE/CS/DEC/2025-26 dated December 12, 2025

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ESAF Small Finance Bank sold a ₹1,693.65 crore NPA and technically written-off loan portfolio to ARCs for ₹183.18 crore on December 29, 2025, via Swiss Challenge Method. This follows board approval on December 12, aiding balance sheet cleanup amid microfinance stresses.