ESAF Bank's Secured Loan Disbursements Jump 142% YoY, CASA Ratio Rises to 24.8%

ESAF Small Finance Bank's secured loan disbursements surged 142.4% YoY to 26,963 crore in Q1 FY26, reflecting strong demand across product segments. The secured asset portfolio maintained its upward momentum, led by a 106% YoY growth in the gold loan book to 36,674 crore. The bank posted a net loss of 81 crore during Q1 FY26 as against a net loss of 183 crore during the previous quarter. CASA deposits registered strong growth, rising 14.2% YoY to 5,628 crore, driving the CASA ratio to 24.8% from 22.7% a year ago. Total deposits grew 8.7% YoY to 222,698 crore, while retail deposits increased by 13.17% YoY. The bank made provisions of 3234 crore towards stressed assets during the quarter, improving its Provision Coverage Ratio (PCR) to 73.2% as of June 2025 from 61.9% in June 2024. Net NPA stood at 3.8%. During the quarter, ESAF SFB added 3.5 lakh new customers, expanding its total customer base to 95.8 lakh. Total business grew 4.8% YoY to 342,507 crore, with the loan book holding steady at ¥19,809 crore.