Solid Strategy for A JOYFUL TOMORROW.

As a Small Finance Bank, ESAF is celebrating seven years of unparalleled excellence and proudly stand as a pillar of strength and integrity. As a social entity, we carry forward a legacy of three decades. Our guiding theme, ‘Solid Strategy for a Joyful Tomorrow’, is not just a goal—it is a commitment to elevate underserved communities through innovative, inclusive, and transformative banking.

Our approach extends beyond a simple roadmap; it is a catalyst for empowerment. Focused sharply on financial inclusion and sustainability, we are the agents of change, touching lives across rural and semi-urban landscapes. Through our efforts, we ignite the spirit of entrepreneurship and fuel economic advancement, impacting millions.

At the heart of our operations lies our deep commitment to ‘People, Planet, and Prosperity’. We leverage cutting-edge technologies to transform banking into an experience that goes beyond ordinary service, offering convenience and robust security. Our strict adherence to ethical governance and comprehensive risk management underpins a foundation of trust and credibility, essential to our enduring reputation. Yet, our vision reaches beyond mere transactions. ESAF Small Finance Bank is a symbol of hope, aimed at generating a powerful social impact that echoes through generations. With a forward-looking and resilient strategy, we are poised to sculpt a future that embodies not only joy but also abundance. As we move forward, our strategic initiatives guide us towards realising an India that thrives on inclusivity, innovation, and sustainability.

Through our ‘Solid Strategy for a Joyful Tomorrow’, we are setting the stage for a brighter, more prosperous future for all.

Key Highlights of 2023-24

1,98,678.04 Million

Total Deposits

1,87,723.56 Million

Gross Advances

2,60,868.82 Million

Total Assets

22.66%

CASA Ratio

2.26%

Net NPA Ratio

58.65%

Cost to Income Ratio

8.37 Million

Total Customers

7,321

Customer Touch Points