The bank’s total business reached ₹51,140 crore, driven by robust growth in secured lending and retail deposits, reflecting the successful execution of its strategic transformation
ESAF Small Finance Bank has reported a turnaround in the first quarter FY27, posting a PAT of ₹80 crore.The bank’s total business reached ₹51,140 crore, driven by robust growth in secured lending and retail deposits, reflecting the successful execution of its strategic transformation, according to a press release.K. Paul Thomas, Managing Director & CEO said: “Our strategy of building a diversified, secured and customer-centric portfolio is delivering encouraging results across growth, profitability and asset quality. We remain focused on expanding our presence across MSME, agriculture, retail, gold loans and the emerging household segment, while continuing to deepen financial inclusion. Our investments in technology, digital capabilities, operational excellence and prudent risk management will continue to support sustainable and profitable growth in the coming quarters.”Total depositsBank’s gross advances stood at ₹23,216 crore and secured advances increased to ₹14,465 crore. The strategic MARG portfolio recorded 42 per cent y-o-y growth while the unsecured portfolio stood at ₹8,751 crore.The total deposits increased to ₹26,924 crore, while CASA stood at ₹6,297 crore. The cost of funds improved to 7.1 from 7.4 per cent in Q1FY26, while the credit-to-deposit ratio stood at 82.3 per cent. The bank continued to strengthen its asset quality, with GNPA/NNPA improving to 5.4/0.8 per cent as on June 30 from 7.5/3.8 per cent a year earlier.Published on July 31, 2026
