ESAF Small Finance Bank Q1 FY27 Deposits Grow 18.6% YoY to ₹26,925 Cr; Advances Up 27.4%
ESAF Small Finance Bank reported provisional Q1 FY27 results with total deposits at ₹26,925 Cr (up 18.62% YoY) and gross advances at ₹23,216 Cr (up 27.39% YoY). Total business reached ₹51,141 Cr. The customer base expanded to 1.04 Crore.
The results indicate healthy operational performance and growth, which is positive for the bank and its stakeholders. However, the growth is in line with expectations for a small finance bank and does not represent a transformative event.
The bank has shown positive year-on-year growth in key financial metrics like total deposits and gross advances, along with an expanding customer base and distribution network.
ESAF Small Finance Bank Limited has announced its provisional financial results for the quarter ended June 30, 2026. Total deposits saw a year-on-year increase of 18.62%, reaching ₹26,925 Crore. CASA deposits grew by 11.90% YoY to ₹6,298 Crore, although the CASA ratio slightly decreased to 23.39% from 24.79% in the previous year.
Gross advances increased by 27.39% YoY to ₹23,216 Crore. Advances including IBPC saw a significant rise of 32.87% YoY, totaling ₹24,216 Crore. The MARG segment (MSME, Agri Retail & Gold Loan) reported robust growth, with advances increasing by 35.32% to ₹14,483 Crore. Secured advances now constitute 62.38% of gross advances. Disbursements for the quarter were ₹8,381 Crore, a 9% YoY growth. The CD Ratio stood at 86.22%.
Total business, including IBPC, reached ₹51,141 Crore as of June 30, 2026, up from ₹40,923 Crore in the previous year. The bank's customer base expanded to 1.04 Crore, with 1.86 lakh new customers added in the quarter. The distribution network comprises 821 branches, 721 ATMs, and 1065 Customer Service Centres across 26 states and union territories.
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