| Metric | Value (₹ Cr) | vs Q3 FY25 |
|---|---|---|
| Revenue | 893.44 | 5.9% |
| Total Income | 1.0K | 2.4% |
| Expenditure | 946.12 | 1.3% |
| PBT | -240.84 | 14.7% |
| Net Profit | -183.19 | 13.1% |
| OPM | 10.15% | |
| NPM | -17.67% | 2.19pp |
| EPS | 3.56 | 186.8% |
ESAF Small Finance Bank Reports Strong Growth in Secured Assets and Gold Loan Portfolio for Q4 FY25
16 May 2025 · 16 May 2025, 10:44 pm
Summary
ESAF Small Finance Bank announced its financial results for Q4 FY25, highlighting a robust growth trajectory in secured lending, a near doubling of the gold loan portfolio, and strong CASA deposit mobilization. Despite macro-level stress in its legacy microloan portfolio, the bank proactively strengthened its balance sheet and reported a Net NPA of 2.9%.
Key Highlights
- 1
Secured loan disbursements surged to 75,832 crore in Q4 FY25 from 2,187 crore in Q4 FY24
- 2
Secured loans now comprise 52.84% of the total portfolio, up from 29.98% in FY24
- 3
Gold Loan segment registered a YOY growth of 98%, reaching 5,734 crore in FY25
- 4
CASA deposits recorded strong momentum, increasing 28% YoY to 5,783 crore in Q4 FY25
- 5
Total business reached 42,919 crore, growing by 8.6% YoY
- 6
Bank added over 10.4 lakh new customers during the year, expanding its total customer base to 94.15 lakh
- 7
Provision Coverage Ratio (PCR) elevated to 80.5%
- 8
Capital Adequacy Ratio stood at a healthy 21.8%
- 9
Net Interest Income (NII) reduced to 2436 crore from 2591 crore in Q4 FY24
- 10
Bank reported a loss of =183 crore, with Net Interest Income (NII) reduced to 2436 crore from 2591 crore in Q4 FY24
Management Comments
K. Paul Thomas
MD & CEO, ESAF Small Finance Bank
This year marks a significant shift in our business strategy as we transition towards secured and retail asset-led growth. Our performance in FY25 reflects the early success of this strategy, particularly in the gold and secured loan segments, and in building a strong CASA base. We remain deeply committed to financial inclusion, while also embracing a technology- led future. Our ongoing investments in digital innovation, analytics, and process automation will help us scale efficiently and ensure quality portfolio expansion. As we move into FY26, we do so with cautious optimism and a sharper retail asset focus, ensuring both impact and profitability.
Informational and educational content only. Not investment advice.