esaf small finance bank has scheduled its Tenth Annual General Meeting (AGM) for Friday, August 14, 2026, at 03:00 P.M. IST. The meeting will be conducted through Video Conferencing (VC) or Other Audio Visual Means (OAVM) in compliance with the Companies Act, 2013, and SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The facility for the meeting is being provided by National Securities Depository Limited (NSDL).

The cut-off date to determine the entitlement of members to attend the AGM through VC or OAVM and for e-voting is August 7, 2026. The Bank will dispatch or disseminate the Annual Report for 2025-26, comprising the standalone audited financial statements, Directors' Report, and Auditors' Report, along with the Notice convening the AGM. These documents will be sent electronically to members whose email addresses are registered with the Bank or Depository Participant.

Key AGM Details

The Notice of the AGM and the Annual Report will be available on the Bank's website at www.esaf.bank.in and on the websites of BSE Limited and National Stock Exchange of India Limited. Members whose email addresses are not registered may request updates through the Registrar & Transfer Agent, MUFG Intime India Private Limited.

ESAF Small Finance Bank reported a 25% year-on-year increase in total business to ₹51,141 crore for the quarter ended June 30, 2026, driven by robust growth in both deposits and advances. Total deposits grew 18.62% to ₹26,925 crore, while gross advances increased 27.39% to ₹23,216 crore. The bank added 1.86 lakh new customers during the quarter, expanding its customer base to 1.04 crore. The financial data for the quarter ended June 30, 2026, is provisional and subject to limited review by the statutory auditors of the bank. The disclosure was made pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Deposit and Advance Growth

Term deposits rose 20.83% year-on-year to ₹20,627 crore, while Current Account Savings Account (CASA) deposits increased 11.90% to ₹6,298 crore. The CASA ratio stood at 23.39% as on June 30, 2026, compared to 24.79% in the prior year. On the advances side, micro loans grew 16.10% to ₹8,733 crore, and retail and other loans surged 35.32% to ₹14,483 crore. The following table summarises the key financial metrics for the quarter:

Key Financial Metrics (₹ in Crore)

Operational Highlights

Disbursements increased from ₹7,700 crore in Q1 FY26 to ₹8,381 crore in Q1 FY27, representing a year-on-year growth of approximately 9%. The Credit-Deposit (CD) ratio stood at 86.22% as on June 30, 2026, up from 80.29% in the previous year. Secured advances constituted 62.38% of gross advances, compared to 58.73% a year ago. The bank's distribution network comprised 821 branches, 721 ATMs, and 1,065 Customer Service Centres spanning 24 states and 2 union territories as of June 30, 2026.