ESAF Small Finance Bank Reports Growth in Deposits and Advances as Total Business Reaches ₹51,141 Crore
ESAF Small Finance Bank Ltd has reported significant growth across its core banking metrics for the quarter ending June 30, 2026. The bank noted an increase in total business (including IBPC) to ₹51,141 Crore as of June 30, 2026, compared to ₹40,923 Crore recorded a year earlier.The bank reported robust performance across its deposits and advances portfolios, alongside expanding its customer base and distribution network.
Financial Performance Highlights
Total Deposits saw a strong Year-on-Year (YoY) increase of 18.62%, reaching ₹26,925 Crore as on June 30, 2026. CASA deposits grew by 11.90% YoY, standing at ₹6,298 Crore. The bank’s CASA ratio was reported at 23.39% on that date, a slight decrease from the 24.79% recorded on June 30, 2025.Gross Advances increased by 27.39% YoY to ₹23,216 Crore as of June 30, 2026. Advances including IBPC grew at a rate of 32.87% YoY, reaching ₹24,216 Crore. The bank's MARG advances (covering MSME, Agri Retail and Gold Loan) showed the highest growth among loan segments, increasing by 35.32% to reach ₹14,483 Crore.
The CD Ratio, calculated as a percentage of gross advances to deposits, stood at 86.22% on June 30, 2026, up from 80.29% in the previous year.
Key financial figures for Deposits and Advances are summarized below:
| Particulars (₹ In Crore) | 30-Jun-26 | 30-Jun-25 | Y-o-Y Growth |
|---|---|---|---|
| Term Deposits | 20,627 | 17,071 | 20.83% |
| CASA | 6,298 | 5,628 | 11.90% |
| Total Deposits | 26,925 | 22,699 | 18.62% |
| Micro Loans | 8,733 | 7,522 | 16.10% |
| Retail and Other Loans | 14,483 | 10,702 | 35.32% |
| Gross Advances | 23,216 | 18,224 | 27.39% |
Operational Footprint and Customer Growth
ESAF Small Finance Bank reported that the company’s customer base stood at 1.04 Crore as of June 30, 2026. The bank successfully added 1.86 lakh new customers during the quarter.The distribution network expanded across various states and union territories. As of June 30, 2026, the Bank maintained a network comprising 821 branches, 721 ATMs, and 1065 Customer Service Centres (CSCs).
ESAFSFB Stock Price Movement
On Wednesday, shares of ESAF Small Finance Bank Limited settled near the day’s opening level, closing at ₹33.61 after trading flatly. The equity saw considerable activity across the session, recording a traded volume of 774,224 shares with prices ranging between a low of ₹32.58 and a high of ₹33.93.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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