ESAF Small Finance Bank Reports Deposits and Advances Data for March 31, 2026
ESAF Small Finance Bank Limited reported key figures for its deposits and advances as of March 31, 2026, alongside updates on its operational scale and customer base. The bank noted a significant year-on-year increase in total deposits and gross advances.In terms of deposits, Total Deposits grew by 11.05% year-over-year, reaching ₹25,850 Crore as of March 31, 2026. Core deposits saw respective growth figures: Term Deposits increased by 12.43% year-over-year to ₹19,669 Crore, while CASA deposits grew 6.88% year-over-year to ₹6,181 Crore as of March 31, 2026. The CASA ratio stood at 23.91% on March 31, 2026, compared to 24.84% on March 31, 2025.
The bank's advance figures also showed substantial growth. Gross Advances increased by 19.42% year-over-year, totaling ₹22,426 Crore as of March 31, 2026. Secured advances, which encompass Gold loan, Mortgage, Mobility, MSME, and Agriculture, grew notably by 37.88% year-over-year to ₹13,680 Crore as of March 31, 2026. This segment now constitutes 61% of gross advances, up from 52.84% as of March 31, 2025.
The bank reported that it undertook the sale of NPAs during the financial year amounting to ₹1,019 Crore. If this sale had not occurred, the year-on-year growth for advances would have been 24.85%.
For a detailed comparison of key metrics across the fiscal year ends, the following table outlines the figures in ₹ Crore:
| Particulars | 31-Mar-26 | 31-Mar-25 | Y-o-Y | 31-Dec-25 | Q-o-Q |
|---|---|---|---|---|---|
| Total Deposits | 25,850 | 23,277 | 11.05% | 24,006 | 7.68% |
| CASA Deposits | 6,181 | 5,783 | 6.88% | 6,030 | 2.50% |
| Gross Advances | 22,426 | 18,779 | 19.42% | 20,679 | 8.45% |
Regarding lending activity, Retail and Other Loans saw a significant increase, growing 37.88% year-over-year to ₹13,680 Crore as of March 31, 2026. Micro Loans saw a decline of 1.25% year-over-year to ₹8,746 Crore.
Management commentary provided additional operational insights. Disbursements increased from ₹20,985 Crore in FY25 to ₹42,529 Crore in FY26, representing a year-on-year growth of approximately 103%. Furthermore, the Current Deposit (CD) Ratio, calculated as a percentage of gross advances to deposits, stood at 86.75% on March 31, 2026, compared to 80.68% on March 31, 2025.
In terms of customer reach and infrastructure, the Bank's customer base stood at 1.02 Crore as of March 31, 2026, adding 8.01 lakh new customers during the year. The distribution network as of March 31, 2026, comprised 804 branches, 720 ATMs, and 1049 Customer Service Centres across 24 states and 2 union territories.
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