CreditBrief

What ESAF Small Finance Bank lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹23,934 crore (+6.7% since March).

ESAF Small Finance BankSmall finance banks

₹22,426croregross advances on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers33rdof 33 banks on CreditBrief, March 2026
Biggest segment43.7%MARG - Gold Loans, latest split (30 Sep 2026)
Share of the combined book0.1%of all banks on CreditBrief

Chapter 01 · The loan book

₹22,426 crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in ESAF Small Finance Bank's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from marg - gold loans down, and you get ₹22,426 crore. By 30 Sep 2026 it was ₹23,934 crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

64%People and households₹15,235 croreMARG - Gold LoansMARG - Retail loansMARG - Agricultural loansMicro Finance
4%Businesses₹958 croreMARG - MSME loansCorporate Loans

32% sits in lines the filing does not tie to either: Emerging Household.

Drilling down: what it lends against · 30 Sep 2026

  • MARG - Gold Loans₹10,456 crore43.7%
  • Emerging Household₹7,740 crore32.3%
  • MARG - Retail loans₹2,326 crore9.7%
  • Micro Finance₹1,704 crore7.1%
  • MARG - Agricultural loans₹749 crore3.1%
  • Corporate Loans₹551 crore2.3%
  • MARG - MSME loans₹407 crore1.7%

Segment amounts are read from chart labels on pages 9 and 11. "Emerging Household" is small loans to former microfinance customers, kept as other.

Sources: ESAF Small Finance Bank Investor Presentation Q4 FY26, PDF page 4 ↗ for March 2026; ESAF Small Finance Bank Investor Presentation Q2 FY27, PDF page 9 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 17% a year since March 2022.

From ₹12,131 crore on 31 March 2022 to ₹22,426 crore on 31 March 2026, and ₹23,934 crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights28 figures from 5 filings · each checked against its pageHow it works
ESAF Small Finance Bank · loan book · 31 March 2026₹22,426crore+19% in FY2025-26₹23,934 crore by 30 Sep 2026
  1. 0117%a year since 2022Grew 17% a year from March 2022 to March 2026, faster than 18 of the 29 other banks with like-for-like figures for those years.
  2. 0219%in FY2025-26Growth picked up to 19% in FY2025-26, from 0.0% the year before.
  3. 0333rdamong peersHeld its place as the 33rd biggest of these 33 banks from March 2022 to March 2026.
Deposits₹25,850 crore+11% · in FY2025-26
Loans to deposits86.8%+6.1 pts · in FY2025-26
CASA ratio23.9%-0.9 pts · in FY2025-26
Retail, agriculture and MSME loans₹11,932 crore+49% · in FY2025-26
Corporate and wholesale loans₹867 crore-27% · in FY2025-26
Branches641+12% · in FY2022-23
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · gross advances12,13114,11818,77218,77922,42623,934
Retail, agriculture and MSME loans₹ crore3,3464,0557,99611,93213,938
Corporate and wholesale loans₹ crore1,182867551
Deposits₹ crore12,81514,66619,86823,27625,85028,466
CASA ratio%22.8421.3922.7024.8023.9023.30
BranchesNumber573641

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at ESAF Small Finance Bank, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

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Its last results, as an alert

CreditBrief Insightsto you

ESAF Small Finance Bank, Q2 FY2026-27: loan book ₹23,934 crore, +6.7% since March

  • ₹23,934 crore lent out by Q2 FY2026-27
  • Biggest segment: MARG - Gold Loans, 44% of the book
  • Every figure links to page 9 of its filing

Chapter 03 · Among its peers

33rd biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 0.1% of the combined loan book of the banks on CreditBrief. Banks report advances, gross or net, and each row says which.

  1. 1State Bank of India₹49.33 lakh crore
  2. 2HDFC Bank₹29.60 lakh crore
  3. 3ICICI Bank₹15.54 lakh crore
  4. 4Bank of Baroda₹14.30 lakh crore
  5. 5Punjab National Bank₹12.59 lakh crore
  6. 6Canara Bank₹12.38 lakh crore
  7. 7Axis Bank₹12.34 lakh crore
  8. 8Union Bank of India₹10.79 lakh crore
  9. 33ESAF Small Finance Bank₹22,426 crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Read next

Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

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