ESAF Small Finance Bank reports 13% YoY growth in Advances to ₹20,680 Cr in Q3 FY26, Retail Segment surges 58%

ESAF Small Finance Bank Limited has announced business updates for the period ended December 31, 2025.

Deposits:

- Total deposits increased by 7.10% YoY to ₹24,006 Crore as of December 31, 2025.

- CASA deposits witnessed a 7.83% YoY growth, reaching ₹6,030 Crore as of December 31, 2025.

- The CASA ratio improved to 25.12% as on December 31, 2025 as against 24.95% as on December 31, 2024.

Advances:

- Gross advances of ₹20,680 crore as of December 31, 2025 - up 13.06% year-over-year from ₹18,291 crore in Q3 FY25 and 8.06% quarter-over-quarter from ₹19,137 crore in Q2 FY26.

- Secured advance grew by 57.95% and stands at ₹13,097 Crore as of December 31, 2025. Secured advance includes Gold loan, Mortgage, Mobility, MSME and Agriculture.

- Secured advances constitutes 63.33% of the gross advances as on December 31, 2025 as against 45.33% as on December 31, 2024.

- The Bank had undertaken Technical Write off /Sale of the NPAs during the period January 01, 2025 to December 31, 2025 amounting to ₹ 1,364 Crore. Had it not been done Year-on-Year growth would have been 20.52% and 11.05% on Q-o-Q basis.

- The disbursements increased by 46.1% on Q-o-Q basis.

- Micro loans stood at ₹7,583 crore, down 24.16% YoY from ₹9,999 crore but up 2.11% QoQ from ₹7,426 crore. In contrast, retail and other loans rocketed 57.95% YoY to ₹13,097 crore from ₹8,292 crore, with an 11.84% QoQ gain from ₹11,711 crore.

Customer Base:

- The Bank's customer base stood at 99.85 Lakhs as on December 31, 2025, with 5.71 lakh new customers added during this Year.

Distribution Network:

- As on December 31, 2025, the Bank's distribution network comprised 788 branches, 720 ATMs and 1045 Customer Service Centres spanning across 24 states and 2 union territories.

During the quarter, the Bank completed transactions involving the sale of non-performing assets (NPAs) including technical write off book amounting to ₹ 1,693.65 crore to Asset Reconstruction Companies for an aggregate consideration of ₹183.18 Crore.

Upon the retirement of Shri. Ravimohan Periyakavil Ramakrishnan on completion of two consecutive terms as Part-Time Chairman of the Bank, the Bank appointed Shri. Karthikeyan Manickam (DIN: 09450145), a veteran banker, as the new Part-Time Chairman of the Bank.

*The information with reference to Quarter ended December 31, 2025 is provisional and subject to Limited Review by the statutory auditors of the Bank.

Shares of ESAF Small Finance Bank Limited was last trading in BSE at Rs. 27.04 as compared to the previous close of Rs. 26.76. The total number of shares traded during the day was 25586 in over 221 trades.

The stock hit an intraday high of Rs. 27.14 and intraday low of 26.75. The net turnover during the day was Rs. 690754.00.

Source : Equity Bulls

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ESAFSmallFinanceBank INE818W01011 ESAFSFB Q3FY26 BusinessUpdates