ESAF Small Finance Bank has reported a gross advances figure of ₹19,137 crore for the second quarter of FY26, reflecting a year-over-year growth of 4.3%. The bank’s loan composition is notable, with 39% attributed to microloans and the remaining 61% to retail and other loan segments. In the first half of FY26, total disbursements reached ₹16,607 crore, indicating a significant growth of nearly 100% compared to the previous year. The bank operates across 24 states and 2 union territories, emphasizing its expansive reach with 8,427 customer touchpoints including banking outlets, ATMs, and service centers.

In terms of financial health, ESAF Small Finance Bank has reported a Gross Non-Performing Asset (GNPA) ratio of 8.5% and a Net Non-Performing Asset (NNPA) ratio of 3.8%. The yield on advances has been recorded at 16.0% as of September 30, 2025. Deposits also saw a 5.9% year-over-year increase, totaling ₹22,894 crore, with a CASA ratio of 26.4%. The bank's cost of deposits stands at 7.2%, further highlighting its operational efficiency.

Despite these positive metrics, ESAF Small Finance Bank reported a loss after tax of ₹197 crore for the first half of FY26, an improvement from a loss of ₹521 crore in FY25. The bank's pre-provision operating profit for the same period was ₹218 crore, down from ₹557 crore in FY25. The Capital Adequacy Ratio (CRAR) is healthy at 22.4%, with Tier I capital at 16.9%, ensuring a robust foundation for future growth. Overall, while the bank faces challenges in profitability, its strategic focus on expanding its loan portfolio and maintaining a strong deposit base positions it well for future opportunities.