ESAF Small Finance Bank Ltd

ESAF Small Finance Bank Limited has announced that its 10th Annual General Meeting (AGM) will be held on Friday, August 14, 2026, at 03:00 PM IST. The meeting will be conducted virtually via Video Conferencing (VC) / Other Audio Visual Means (OAVM), adhering to the Companies Act, 2013, and SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The cut-off date for determining member eligibility for attending the AGM and for e-voting is August 7, 2026. NSDL has been engaged to facilitate both the AGM attendance and e-voting. The bank will also disseminate its Annual Report for 2025-26, including financial statements and reports, along with the AGM notice, in due course. The intimation will be available on the bank's investor relations website.

ESAF Small Finance Bank Ltd reported key business updates for the quarter ended June 30, 2026. Total deposits grew by 18.62% year-on-year to ₹26,925 Crore, with CASA deposits increasing by 11.90% to ₹6,298 Crore. Gross advances saw a significant rise of 27.39% YoY, reaching ₹23,216 Crore. Retail and Other Loans, including MARG advances, showed strong growth of 35.32%. The bank's total business (including IBPC) expanded by 20.61% YoY to ₹51,141 Crore. The customer base grew to 1.04 Crore, with 1.86 lakh new customers added in the quarter. The distribution network comprises 821 branches and 721 ATMs.

ESAF Small Finance Bank Limited has announced the allotment of 8500 Non-Convertible Debentures (Tier II Bonds) on a private placement basis. The total issue size is ₹85 Crores, with each debenture having a face value of ₹1,00,000. These bonds are listed, rated, taxable, unsecured, transferable, redeemable, fully paid-up, and Basel II compliant. The allotment was approved by the Allotment Committee of Executives on June 25, 2026. The bonds carry a coupon rate not exceeding 11.65% per annum, payable quarterly, and have a tenure of 73 months, maturing on July 25, 2032. The debentures are proposed to be listed on the Negotiated Trade Reporting Platform (NTRP) of the National Stock Exchange of India Limited (NSE).

ESAF Small Finance Bank Limited has responded to a BSE query regarding a significant increase in its share trading volume. The bank stated that it has made all requisite disclosures as per SEBI regulations and has not withheld any material or price-sensitive information. ESAF SFB confirmed that the surge in trading volume is purely market-driven and that the bank is unaware of any specific contributing factors. The bank reiterated its commitment to complying with all applicable disclosure requirements.

ESAF Small Finance Bank Limited has responded to an NSE query regarding a recent spurt in its share volume. The bank stated that it has made all requisite disclosures as per SEBI LODR Regulations, 2015, and has not withheld any material or price-sensitive information. ESAF SFB confirmed that the increase in trading volume is purely market-driven and they are unaware of any specific reasons contributing to it. The bank reiterated its commitment to complying with all applicable disclosure requirements.

ESAF Small Finance Bank has announced a significant milestone, with its total business crossing ₹50,000 crore as of June 11, 2026. The bank's total deposits reached ₹26,197 crore, and gross advances stood at ₹23,832 crore. This achievement was supported by a network of 816 branches and banking outlets spread across 26 states and union territories. These figures are provisional and subject to audit. This disclosure highlights the bank's substantial growth and market presence.

ESAF Small Finance Bank Ltd announced key management changes approved by its Board of Directors on June 4, 2026. Shri. G Narasimha Murthy has been appointed as the Chief Risk Officer for a three-year term effective August 1, 2026. Concurrently, Shri. Poulose Bharanikulangara will take over as Head – Internal Audit for a three-year term starting July 1, 2026. These appointments follow the completion of the employment contracts of the outgoing personnel, Shri. Wilson Cyriac and Shri. Sivakumar P, respectively. The bank has provided detailed disclosures as per SEBI regulations.

ESAF Small Finance Bank Ltd announced the appointment of two new directors to its Board. Shri. Ashok Tukaram Dhamankar has been appointed as a Non-Executive Independent Director for a period of three years, subject to shareholder approval. He brings extensive experience in finance, fintech, investment banking, and sustainable finance. Additionally, Shri. Hari Velloor has been appointed as a Non-Executive Director for a similar three-year term, also pending shareholder approval. These appointments are intended to strengthen the bank's governance and strategic direction.

ESAF Small Finance Bank Ltd announced key management changes following its Board meeting on June 4, 2026. The board approved the appointment of Shri. Ashok Tukaram Dhamankar as Non-Executive Independent Director and Shri. Hari Velloor as Non-Executive Director, both for three-year terms, subject to shareholder approval. Additionally, Shri. G Narasimha Murthy was appointed Chief Risk Officer and Shri. Poulose Bharanikulangara as Head – Internal Audit, both for three-year terms commencing August 1, 2026, and July 1, 2026, respectively. These appointments are crucial for strengthening governance and risk management within the bank.

ESAF Small Finance Bank reported a net profit of ₹24 crore for Q4 FY26, a significant turnaround from a loss of ₹183 crore in Q4 FY25. Operating profit surged by 166.1% year-on-year to ₹241 crore. The bank's total business grew 14.8% to ₹48,276 crore, with gross advances up 19.4% to ₹22,426 crore and deposits increasing 11.1% to ₹25,850 crore. A key driver was the successful MARG strategy (MSME, Agri, Retail, Gold loans), leading to secured assets constituting 61% of gross advances. Asset quality improved, with Gross NPA reducing to 5.4% and Net NPA to 1.8%. Gold loans grew 54.5% YoY, while the microfinance portfolio moderated. Net Interest Income rose to ₹518 crore, and Net Interest Margin improved to 6.4%.