ESAF Small Finance Bank boosts deposits and advances, sharpens shift toward secured lending

ESAF Small Finance Bank Limited ( (IN:ESAFSFB) ) just unveiled an update.

ESAF Small Finance Bank reported an 11.05% year-on-year rise in total deposits to ₹25,850 crore for the quarter ended March 31, 2026, with CASA deposits up 6.88% to ₹6,181 crore, though the CASA ratio eased to 23.91%. The customer base reached 1.02 crore after adding 8.01 lakh new customers during the year, supported by a network of 804 branches, 720 ATMs, and 1,049 customer service centres.

Gross advances grew 19.42% year-on-year to ₹22,426 crore, driven by a 37.88% jump in secured advances to ₹13,680 crore, which now account for 61% of the loan book. The bank doubled disbursements to ₹42,529 crore in FY26 and sold non-performing assets worth ₹1,019 crore, actions that strengthened its credit profile and lifted the credit-deposit ratio to 86.75%, signaling a sharper lending focus and evolving balance-sheet mix.

More about ESAF Small Finance Bank Limited

ESAF Small Finance Bank Limited is an Indian small finance bank focused on retail banking, microfinance, and secured lending products such as gold loans, mortgages, mobility, MSME, and agriculture loans. The bank operates with a broad distribution network of branches, ATMs, and customer service centres across 24 states and two union territories, targeting a growing customer base in both urban and rural markets.

Average Trading Volume: 42,815

Technical Sentiment Signal: Sell

Current Market Cap: 12.15B INR

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