# ESAF Small Finance Bank > Small finance banks. Figures from the lender's own filings, each checked against the page it came from. Page: https://creditbrief.in/lenders/esaf ## Loan book - ₹22,426 crore on 31 March 2026, the end of FY2025-26 (Gross advances). - ₹23,934 crore on 30 Sep 2026, the latest half-year balance. - Source: ESAF Small Finance Bank Investor Presentation Q4 FY26, PDF page 4: https://nsearchives.nseindia.com/corporate/esfb_01052026222117_SEIntimation_Investor_PresentationQ4FY26.pdf ## Findings - Grew 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. - Growth picked up to 19% in FY2025-26, from 0.0% the year before. - Held its place as the 33rd biggest of these 33 banks from March 2022 to March 2026. ## What it lends against (30 Sep 2026) - MARG - Gold Loans: ₹10,456 crore (43.7%) - Emerging Household: ₹7,740 crore (32.3%) - MARG - Retail loans: ₹2,326 crore (9.7%) - Micro Finance: ₹1,704 crore (7.1%) - MARG - Agricultural loans: ₹749 crore (3.1%) - Corporate Loans: ₹551 crore (2.3%) - MARG - MSME loans: ₹407 crore (1.7%) Source: ESAF Small Finance Bank Investor Presentation Q2 FY27, PDF page 9: https://nsearchives.nseindia.com/corporate/esfb_29102026135814_SEIntimation_Investor_Presentation.pdf ## Figures by period | Measure | FY2021-22 (31 Mar 2022) | FY2022-23 (31 Mar 2023) | FY2023-24 (31 Mar 2024) | FY2024-25 (31 Mar 2025) | FY2025-26 (31 Mar 2026) | 30 Sep 2026 | |---|---|---|---|---|---|---| | Loan book (₹ crore) | 12,131 | 14,118 | 18,772 | 18,779 | 22,426 | 23,934 | | Retail, agriculture and MSME loans (₹ crore) | | 3,346 | 4,055 | 7,996 | 11,932 | 13,938 | | Corporate and wholesale loans (₹ crore) | | | | 1,182 | 867 | 551 | | Deposits (₹ crore) | 12,815 | 14,666 | 19,868 | 23,276 | 25,850 | 28,466 | | CASA ratio (%) | 22.84 | 21.39 | 22.70 | 24.80 | 23.90 | 23.30 | | Branches (Number) | 573 | 641 | | | | | ### Sources for each figure - Loan book, FY2021-22 (31 Mar 2022): "Gross Advances (₹ Crs) Disbursements (₹ Crs) 22,426 42,530 18,772 18,779 14,118 12,131" (ESAF Small Finance Bank Investor Presentation Q4 FY26, PDF page 35) https://nsearchives.nseindia.com/corporate/esfb_01052026222117_SEIntimation_Investor_PresentationQ4FY26.pdf - Loan book, FY2022-23 (31 Mar 2023): "Gross Advances (₹ Crs) Disbursements (₹ Crs) 22,426 42,530 18,772 18,779 14,118 12,131" (ESAF Small Finance Bank Investor Presentation Q4 FY26, PDF page 35) https://nsearchives.nseindia.com/corporate/esfb_01052026222117_SEIntimation_Investor_PresentationQ4FY26.pdf - Loan book, FY2023-24 (31 Mar 2024): "Gross Advances (₹ Crs) Disbursements (₹ Crs) 22,426 42,530 18,772 18,779 14,118 12,131" (ESAF Small Finance Bank Investor Presentation Q4 FY26, PDF page 35) https://nsearchives.nseindia.com/corporate/esfb_01052026222117_SEIntimation_Investor_PresentationQ4FY26.pdf - Loan book, FY2024-25 (31 Mar 2025): "Gross Advances (₹ Crs) Disbursements (₹ Crs) 22,426 42,530 18,772 18,779 14,118 12,131" (ESAF Small Finance Bank Investor Presentation Q4 FY26, PDF page 35) https://nsearchives.nseindia.com/corporate/esfb_01052026222117_SEIntimation_Investor_PresentationQ4FY26.pdf - Loan book, FY2025-26 (31 Mar 2026): "₹ 22,426 cr (YoY Growth: 19.4%)" (ESAF Small Finance Bank Investor Presentation Q4 FY26, PDF page 4) https://nsearchives.nseindia.com/corporate/esfb_01052026222117_SEIntimation_Investor_PresentationQ4FY26.pdf - Loan book, 30 Sep 2026: "19,137 20,679 22,426 23,216 23,934" (ESAF Small Finance Bank Investor Presentation Q2 FY27, PDF page 9) https://nsearchives.nseindia.com/corporate/esfb_29102026135814_SEIntimation_Investor_Presentation.pdf - Retail, agriculture and MSME loans, FY2022-23 (31 Mar 2023): "3,346 15,038" (Investor Presentation, Q4 FY26, PDF page 6) https://nsearchives.nseindia.com/corporate/esfb_01052026222117_SEIntimation_Investor_PresentationQ4FY26.pdf - Retail, agriculture and MSME loans, FY2023-24 (31 Mar 2024): "4,055" (Investor Presentation, Q2 FY27, PDF page 10) https://nsearchives.nseindia.com/corporate/esfb_29102026135814_SEIntimation_Investor_Presentation.pdf - Retail, agriculture and MSME loans, FY2024-25 (31 Mar 2025): "7,996" (Investor Presentation, Q2 FY27, PDF page 10) https://nsearchives.nseindia.com/corporate/esfb_29102026135814_SEIntimation_Investor_Presentation.pdf - Retail, agriculture and MSME loans, FY2025-26 (31 Mar 2026): "11,514 11,932 12,909 13,938" (Investor Presentation, Q2 FY27, PDF page 11) https://nsearchives.nseindia.com/corporate/esfb_29102026135814_SEIntimation_Investor_Presentation.pdf - Retail, agriculture and MSME loans, 30 Sep 2026: "11,514 11,932 12,909 13,938" (Investor Presentation, Q2 FY27, PDF page 11) https://nsearchives.nseindia.com/corporate/esfb_29102026135814_SEIntimation_Investor_Presentation.pdf - Corporate and wholesale loans, FY2024-25 (31 Mar 2025): "1,182 931" (Investor Presentation, Q4 FY26, PDF page 7) https://nsearchives.nseindia.com/corporate/esfb_01052026222117_SEIntimation_Investor_PresentationQ4FY26.pdf - Corporate and wholesale loans, FY2025-26 (31 Mar 2026): "846 862 867 594 551" (Investor Presentation, Q2 FY27, PDF page 15) https://nsearchives.nseindia.com/corporate/esfb_29102026135814_SEIntimation_Investor_Presentation.pdf - Corporate and wholesale loans, 30 Sep 2026: "846 862 867 594 551" (Investor Presentation, Q2 FY27, PDF page 15) https://nsearchives.nseindia.com/corporate/esfb_29102026135814_SEIntimation_Investor_Presentation.pdf - Deposits, FY2021-22 (31 Mar 2022): "128,150.72" (ESAF Small Finance Bank Red Herring Prospectus, October 2023 (PDF inside the zip), PDF page 77) https://nsearchives.nseindia.com/content/ipo/RHP_ESAFSFB.zip - Deposits, FY2022-23 (31 Mar 2023): "146,656.25" (ESAF Small Finance Bank Red Herring Prospectus, October 2023 (PDF inside the zip), PDF page 77) https://nsearchives.nseindia.com/content/ipo/RHP_ESAFSFB.zip - Deposits, FY2023-24 (31 Mar 2024): "₹ 19,868 cr" (Investor Presentation, Q4 FY24, PDF page 6) https://nsearchives.nseindia.com/corporate/ESAFSFB_08052024230459_InvestorPresentationfortheQuarterandFYendedMarch312024.pdf - Deposits, FY2024-25 (31 Mar 2025): "₹ 23,276 cr" (Investor Presentation, Q4 FY25, PDF page 6) https://nsearchives.nseindia.com/corporate/esfb_17052025183313_SEIntimation_Investor_Presentation.pdf - Deposits, FY2025-26 (31 Mar 2026): "₹ 25,850 cr (YoY Growth: 11.1%)" (Investor Presentation, Q4 FY26, PDF page 4) https://nsearchives.nseindia.com/corporate/esfb_01052026222117_SEIntimation_Investor_PresentationQ4FY26.pdf - Deposits, 30 Sep 2026: "₹ 28,466 Crore" (Investor Presentation, Q2 FY27, PDF page 4) https://nsearchives.nseindia.com/corporate/esfb_29102026135814_SEIntimation_Investor_Presentation.pdf - CASA ratio, FY2021-22 (31 Mar 2022): "our CASA Ratio was 18.22%, 21.39%, 22.84% and 19.42%" (ESAF Small Finance Bank Red Herring Prospectus, October 2023 (PDF inside the zip), PDF page 76) https://nsearchives.nseindia.com/content/ipo/RHP_ESAFSFB.zip - CASA ratio, FY2022-23 (31 Mar 2023): "our CASA Ratio was 18.22%, 21.39%, 22.84% and 19.42%" (ESAF Small Finance Bank Red Herring Prospectus, October 2023 (PDF inside the zip), PDF page 76) https://nsearchives.nseindia.com/content/ipo/RHP_ESAFSFB.zip - CASA ratio, FY2023-24 (31 Mar 2024): "FY24: 22.7%" (Investor Presentation, Q4 FY25, PDF page 6) https://nsearchives.nseindia.com/corporate/esfb_17052025183313_SEIntimation_Investor_Presentation.pdf - CASA ratio, FY2024-25 (31 Mar 2025): "FY25 : 24.8%" (Investor Presentation, Q4 FY25, PDF page 6) https://nsearchives.nseindia.com/corporate/esfb_17052025183313_SEIntimation_Investor_Presentation.pdf - CASA ratio, FY2025-26 (31 Mar 2026): "CASA ratio stood at 23.9%" (Investor Presentation, Q4 FY26, PDF page 15) https://nsearchives.nseindia.com/corporate/esfb_01052026222117_SEIntimation_Investor_PresentationQ4FY26.pdf - CASA ratio, 30 Sep 2026: "CASA ratio stood at 23.3%" (Investor Presentation, Q2 FY27, PDF page 6) https://nsearchives.nseindia.com/corporate/esfb_29102026135814_SEIntimation_Investor_Presentation.pdf - Branches, FY2021-22 (31 Mar 2022): "Number of Branches (all of which 641 641 573 550" (ESAF Small Finance Bank Red Herring Prospectus, October 2023 (PDF inside the zip), PDF page 212) https://nsearchives.nseindia.com/content/ipo/RHP_ESAFSFB.zip - Branches, FY2022-23 (31 Mar 2023): "Number of Branches (all of which 641 641 573 550" (ESAF Small Finance Bank Red Herring Prospectus, October 2023 (PDF inside the zip), PDF page 212) https://nsearchives.nseindia.com/content/ipo/RHP_ESAFSFB.zip CreditBrief is independent and not linked to any lender. Not investment advice.