ESAF Small Fin Bank advances rise 25% on year to INR 239.3 bln as of Sept 30
This story was originally published at 10:53 IST on 3 October 2026
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MUMBAI – ESAF Small Finance Bank's gross advances grew 25.05% on year to INR 239.3 billion as of Sept. 30, according to provisional business data released by the bank. Gross advances rose 3.08% sequentially from INR 232.2 billion at the end of June. Micro-loans grew 12.19% on year to INR 83.3 billion, while retail and other loans increased 33.21% to INR 156.0 billion.
Total deposits rose 24.34% on year to INR 284.7 billion, compared with INR 228.9 billion a year ago. Deposits increased 5.73% sequentially. Term deposits grew 29.52% on year to INR 218.2 billion, while current account and savings account deposits increased 9.91% to INR 66.5 billion. The CASA ratio declined to 23.34% from 26.41% a year ago.
ESAF said gross advances would have stood at INR 245.6 billion at the end of September had the bank not undertaken technical write-offs of non-performing accounts amounting to INR 6.3 billion during the quarter. Without the write-offs, year-on-year growth would have been 28.32% and sequential growth 5.78%.
The bank's credit-deposit ratio stood at 84.07%, compared with 83.59% a year earlier. For the June quarter, ESAF Small Finance Bank had posted a net profit of INR 800.8 million against a net loss of INR 812.2 million in the year-ago period. Its total income rose nearly 32% on year to INR 13.46 billion. Thursday, shares of the bank closed at INR 43.40 apiece on the National Stock Exchange, down 2.5% from the previous close. End
Reported by Kabir Sharma
Edited by Deepshikha Bhardwaj
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