| Metric | Value (₹ Cr) | vs Q4 FY25 |
|---|---|---|
| Revenue | 828.23 | 7.3% |
| Total Income | 1.0K | 1.3% |
| Expenditure | 898.45 | 5.0% |
| PBT | -109.20 | 54.7% |
| Net Profit | -81.22 | 55.7% |
| OPM | 15.08% | 4.93pp |
| NPM | -7.94% | 9.73pp |
| EPS | 1.58 | 55.6% |
ESAF Bank's Secured Loan Disbursements Jump 142% YoY, CASA Ratio Rises to 24.8%
09 Aug 2025 · 9 Aug 2025, 04:02 am
Summary
ESAF Small Finance Bank's secured loan disbursements have increased by 142.4% YoY to ₹6,963 crore in Q1 FY26. The secured asset portfolio has also grown, with the gold loan book increasing by 106% YoY to ₹6,674 crore. The bank posted a net loss of ₹81 crore during Q1 FY26. CASA deposits have grown by 14.2% YoY to ₹5,628 crore, driving the CASA ratio to 24.8% from 22.7% a year ago. Total deposits have grown by 8.7% YoY to ₹22,698 crore. The bank made provisions of ₹234 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%. The bank added 3.5 lakh new customers, expanding its total customer base to 95.8 lakh. Total business grew by 4.8% YoY to ₹42,507 crore.
Key Highlights
- 1
Total business at ₹42,507 crore, up 4.8% YoY
- 2
Advances: Gross advances at ₹18,224 crore; Loan book at ₹19,809 crore with micro assets (46%) and secured loans (54%)
- 3
Disbursements: ₹7,694 crore in Q1 FY26 vs. ₹4,503 crore in Q1 FY25
- 4
Deposits: ₹22,698 crore, up 8.7% YoY
- 5
CASA Growth: ₹5,628 crore, up 14.2% YoY; CASA ratio at 24.8%
- 6
Capital Position: CRAR at 22.7% with Tier I at 18.4%
Management Comments
Dr. K. Paul Thomas
MD & CEO of ESAF Small Finance Bank
Our Q1 performance highlights our focus on the secured asset portfolio and the trust our customers place in us, as reflected in the consistent growth of our CASA base. With encouraging signs of revival in the microfinance segment, we remain optimistic about the opportunities ahead. Continued investments in technology will enhance operational efficiency and enrich customer experience, paving the way for sustainable growth. We remain committed to delivering value to all stakeholders while staying true to our mission of financial inclusion.
Informational and educational content only. Not investment advice.