ESAF Small Finance Bank Limited has reported its provisional financial results for the quarter ended December 31, 2025. Total deposits increased by 7.10% year-on-year to ₹24,006 Crore, with CASA deposits growing by 7.83% YoY to ₹6,030 Crore. The CASA ratio improved to 25.12% from 24.95% in the previous year. Gross advances saw a year-on-year increase of 13.06% to ₹20,680 Crore. Secured advances, which include Gold loan, Mortgage, Mobility, MSME, and Agriculture, grew significantly by 57.95% to ₹13,097 Crore, constituting 63.33% of the gross advances. The bank also reported disbursements increased by 46.1% on a quarter-on-quarter basis. During the period January 1, 2025, to December 31, 2025, the bank undertook technical write-off/sale of NPAs amounting to ₹1,364 Crore. Additionally, the bank completed transactions involving the sale of non-performing assets (NPAs) including technical write-off book amounting to ₹1,693.65 Crore to Asset Reconstruction Companies for an aggregate consideration of ₹183.18 Crore. The bank's customer base reached 99.85 Lakhs as of December 31, 2025, with 5.71 lakh new customers added during the year. The distribution network comprised 788 branches, 720 ATMs, and 1045 Customer Service Centres across 24 states and 2 union territories. In terms of leadership changes, Shri. Karthikeyan Manickam has been appointed as the new Part-Time Chairman, succeeding Shri. Ravimohan Periyakavil Ramakrishnan upon his retirement.
