ESAF Small Finance Bank Limited has filed its quarterly compliance certificate with stock exchanges, confirming adherence to SEBI regulations for the quarter ended March 31, 2026. The submission demonstrates the bank's commitment to regulatory compliance and transparency in its operations.

Regulatory Compliance Certificate

The bank submitted a certificate under Regulation 74(5) of SEBI (Depositories and Participants) Regulations, 2018 to both major stock exchanges on April 06, 2026. The certificate was issued by MUFG Intime India Private Limited, which serves as the bank's Registrar & Share Transfer Agents.

Stock Exchange Communications

The compliance certificate was formally communicated to both primary stock exchanges where the bank's shares are listed. The submission included reference number 06/SE/CS/APR/2026-27 and was addressed to the listing departments of both exchanges.

Compliance Confirmation Details

MUFG Intime India Private Limited, formerly known as Link Intime India Private Limited, issued the confirmation certificate on April 3, 2026. The certificate confirms that securities received from depository participants for dematerialisation during the quarter were properly processed and confirmed to the depositories within prescribed timelines.

The registrar confirmed that all security certificates received for dematerialisation were appropriately verified, mutilated, and cancelled after due verification by depository participants. Additionally, the names of depositories were substituted in the register of members as registered owners within the required timeframes.

Transparency and Disclosure

The bank has made the compliance intimation available on its official website at the investor relations section, specifically under disclosure to stock exchanges. This practice aligns with the bank's commitment to maintaining transparency with stakeholders and ensuring easy access to regulatory filings.

The submission was signed by Ranjith Raj P, Company Secretary and Compliance Officer of ESAF Small Finance Bank Limited, while the registrar certificate was signed by Ashok Shetty, Sr. Vice President-Corporate Registry at MUFG Intime India Private Limited.

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.