ESAF Small Finance Bank’s stock surged 3% after the lender reported a robust 17.16% year-on-year (YoY) growth in total deposits, reaching ₹23,277 crore in FY25, compared to ₹19,868 crore in the previous year. The update, filed with the stock exchanges, highlights the bank’s strong financial performance and growing customer base.
The bank’s CASA (Current Account and Savings Account) deposits jumped 28.48% YoY to ₹5,784 crore, improving the CASA ratio to 24.85% from 22.66% last year. A higher CASA ratio indicates a stronger low-cost deposit base, benefiting the bank’s profitability.
On the lending side, gross advances increased slightly by 1.08% YoY to ₹18,975 crore. While the micro-loan portfolio declined 28.75%, the retail and other loans segment surged 66.28% YoY, driven by secured loans like gold, mortgage, MSME, and agriculture financing. These secured loans now form 51.64% of the total advances, a significant jump from 31.39% a year ago.
The bank’s total customer base expanded to 94.15 lakh, with 10.41 lakh new customers added in FY25. As of March 31, 2025, ESAF’s distribution network included 787 branches, 693 ATMs, and 1,106 customer service centers across 24 states and 2 union territories.
ESAF Small Finance Bank’s stock opened at ₹25.54 and reached a high of ₹27.13, maintaining a low of ₹25.54 during the trading session. The bank’s 52-week high stands at ₹64.50, while the 52-week low is ₹24.31.
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