ESAF Small Finance Bank on Friday reported an 8.6% year-on-year (YoY) rise in total deposits to ₹22,698 crore for the quarter ended June 30, 2025, from ₹20,887 crore in the same quarter last year.Gross advances, however, fell 3% YoY to ₹18,224 crore, compared to ₹18,783 crore a year ago.
The bank’s Current Account and Savings Account (CASA) ratio stood at 24.80% at the end of the June quarter, up from 23.59% in the year-ago period.
Secured advances rose sharply by 66.6% to ₹10,702 crore and now account for 58.7% of the loan book, up from 34.2% a year earlier. Micro loans, however, declined 39.1% YoY to ₹7,522 crore.The bank’s total loan book, including securitised and assigned portfolios, grew marginally by 0.7% YoY to ₹19,808 crore.
The bank’s Current Account and Savings Account (CASA) ratio stood at 24.80% at the end of the June quarter, up from 23.59% in the year-ago period.
Secured advances rose sharply by 66.6% to ₹10,702 crore and now account for 58.7% of the loan book, up from 34.2% a year earlier. Micro loans, however, declined 39.1% YoY to ₹7,522 crore.The bank’s total loan book, including securitised and assigned portfolios, grew marginally by 0.7% YoY to ₹19,808 crore.
ESAF added 1.65 lakh new customers in the quarter, taking its total customer base to 95.8 lakh. Its distribution network comprised 788 branches, 713 ATMs, and 1,095 customer service centres as of June 30, 2025.
The lender also transferred a non-performing asset (NPA) and technical write-off portfolio worth ₹733.4 crore to an asset reconstruction company (ARC) for a consideration of ₹73.34 crore.
On the BSE, shares of the company ended 0.5% higher at a price of ₹34.57 on Friday.
