ESAF Small Finance Bank posted a strong 17.16% year-on-year (YoY) growth in total deposits for the financial year ended March 31, 2025, reaching ₹23,277 crore, compared to ₹19,868 crore in the same period last year, according to its provisional update filed with the stock exchanges.
The bank’s CASA (Current Account and Savings Account) deposits saw a robust 28.48% YoY increase, climbing to ₹5,784 crore in FY25 from ₹4,502 crore in FY24. The CASA ratio improved to 24.85%, up from 22.66% last year.
In terms of advances, ESAF’s gross advances rose marginally by 1.08% YoY to ₹18,975 crore. While the micro loan portfolio declined by 28.75% to ₹9,176 crore, the retail and other loans segment surged 66.28% YoY to ₹9,799 crore, driven by growth in secured segments like gold loans, mortgage, MSME, and agriculture. These secured advances now constitute 51.64% of the gross advances, up from 31.39% a year ago.
The total loan book stood at ₹19,839 crore, including securitized assets. On a quarterly basis, gross advances grew 3.74% and deposits were up by 3.85%.
ESAF also expanded its customer base to 94.15 lakh, adding 10.41 lakh new customers in FY25. The bank’s distribution network comprised 787 branches, 693 ATMs, and 1,106 customer service centres across 24 states and 2 union territories as of March 31, 2025.
Disclaimer: The information provided is based on provisional unaudited financials disclosed by the company and is for informational purposes only. It should not be considered as financial or investment advice. Always verify figures from official financial statements before making any decisions.
