ESAF Small Finance Bank has announced its Q4FY26 financial results, demonstrating strong performance across key business metrics. The bank reported significant growth in both deposits and advances, reflecting its expanding market presence and customer base.

Deposit Performance

The bank's deposit portfolio showed robust growth during the quarter ended March 31, 2026. Total deposits reached ₹25,850 crore, marking an impressive 11.05% year-on-year increase from ₹23,277 crore in the corresponding period of the previous year.

CASA deposits witnessed a 6.88% year-on-year growth, reaching ₹6,181 crore as of March 31, 2026. However, the CASA ratio declined to 23.91% from 24.84% in the previous year, indicating a shift in the deposit mix toward term deposits.

Advances and Lending Portfolio

The bank's lending business demonstrated strong momentum with gross advances increasing by 19.42% year-on-year to ₹22,426 crore compared to ₹18,779 crore in Q4FY25. The advances portfolio showed a balanced growth across different segments.

Retail and other loans, which include secured advances such as gold loans, mortgage, mobility, MSME, and agriculture financing, grew substantially by 37.88% to ₹13,680 crore. Secured advances now constitute 61% of gross advances compared to 52.84% in the previous year, indicating a strategic shift toward secured lending.

Business Operations and Network Expansion

The bank significantly expanded its business operations during FY26. Disbursements increased dramatically from ₹20,985 crore in FY25 to ₹42,529 crore in FY26, representing approximately 103% year-on-year growth. The credit-to-deposit ratio improved to 86.75% as of March 31, 2026, compared to 80.68% in the previous year.

The bank's customer base reached 1.02 crore as of March 31, 2026, with 8.01 lakh new customers added during the year. The distribution network expanded to include:

• 804 branches
• 720 ATMs
• 1049 Customer Service Centers
• Presence across 24 states and 2 union territories

Asset Quality Management

During the financial year, the bank undertook strategic asset quality management initiatives, including the sale of non-performing assets amounting to ₹1,019 crore. According to management commentary, without this NPA sale, the year-on-year growth in advances would have been 24.85%, indicating strong underlying business growth.

The financial results for the quarter ended March 31, 2026, are provisional and subject to audit by the bank's statutory auditors. This disclosure was made pursuant to SEBI regulations regarding listing obligations and disclosure requirements.

ESAF Small Finance Bank Limited has submitted its mandatory half-yearly statement detailing International Securities Identification Numbers (ISINs) for debt securities to stock exchanges on April 1, 2026. The regulatory filing covers the period from October 2025 to March 2026, providing comprehensive information about the bank's outstanding debt instruments as of March 31, 2026.

Regulatory Compliance Framework

The statement was filed in accordance with Chapter VIII of SEBI Master Circular SEBI/HO/DDHS/DDHS-PoD/P/CIR/2025/0000000137 dated October 15, 2025, which mandates specifications related to ISIN for debt securities. The document was simultaneously submitted to both BSE Limited and National Stock Exchange of India Limited, ensuring compliance with debt listing regulations for privately placed securities.

Outstanding Debt Securities Portfolio

The bank maintains eight active debt securities with varying terms and structures. The portfolio demonstrates a strategic approach to debt financing with instruments spanning different maturity periods and payment frequencies.

Debt Structure Analysis

The total outstanding debt amount across all eight securities stands at ₹695,00,00,000, with the issued amounts matching the outstanding amounts entirely. This indicates no partial redemptions have occurred on any of the instruments. The coupon rates range from 11.00% to 11.65%, reflecting the interest rate environment during the respective issuance periods.

Payment and Option Features

The debt securities exhibit diverse payment structures to accommodate different investor preferences:

• Monthly payments: One security (INE818W08099)
• Quarterly payments: Four securities with the highest aggregate value
• Semi-annual payments: Two securities issued on the same date
• Annual payments: One security with the longest maturity period

Notably, none of the eight debt securities contain embedded options, as all instruments show "N.A" for both put and call option details, indicating straightforward debt structures without complex derivative features.

Maturity Profile

The maturity dates span from May 2029 to February 2034, providing a well-distributed repayment schedule. The longest-tenor instrument (INE818W08107) extends to February 28, 2034, while the shortest matures on May 4, 2029. This staggered maturity profile helps manage refinancing risk and provides flexibility in capital planning.

Transparency and Disclosure

The bank has made this information publicly available on its official website under the investor relations section, ensuring transparency for stakeholders. Company Secretary and Compliance Officer Ranjith Raj P signed the submission, confirming the accuracy and completeness of the disclosed information as of the reporting date.