ESAF Small Finance Bank has reported steady growth in its business metrics for the quarter ended September 30, 2025, with a healthy rise in deposits and a stronger share of low-cost funds.
The bank’s total deposits rose 5.93% year-on-year to ₹22,894 crore from ₹21,613 crore a year ago. Sequentially, deposits were up 0.86% over the June 2025 quarter. Within this, current account and savings account (CASA) deposits grew 13.67% to ₹6,046 crore. The CASA ratio improved to 26.41%, compared with 24.61% in the same quarter last year and 24.80% in the previous quarter.
On the lending side, gross advances stood at ₹19,137 crore, marking a 4.35% rise over the previous year and 5.01% growth compared to June 2025. A sharp jump was seen in secured advances, which surged 62.31% year-on-year to ₹11,711 crore. Secured loans now account for 61.20% of the bank’s loan book, a significant rise from 39.34% in September 2024. The total loan book, including securitized and assigned advances under the bank’s collection responsibility, reached ₹20,703 crore, up 7.74% year-on-year.
The bank’s customer base expanded to 97.76 lakh, with 1.96 lakh new customers added during the quarter. As of September 30, ESAF operated 788 branches, 718 ATMs, and 1,113 customer service centres across 24 states and two union territories.
While secured lending and CASA growth have strengthened the bank’s profile, micro loans saw a decline of 33.25% year-on-year, reflecting either a strategic recalibration or stress in that segment. Term deposits also fell slightly on a sequential basis.
The bank said these numbers are provisional and subject to a limited review by statutory auditors.
