General Updates

Ref No: 01/SE/CS/OCT/2026-27 Date: October 01, 2026 Listing Department L i s t i n g & Compliance Department BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, 5th Floor Dalal Street, Mumbai – 400001 Plot No.C/1, “G” Block Bandra- Kurla Complex Bandra(E), Mumbai- 400051 BSE Scrip Code: 544020 NSE Symbol: ESAFSFB Dear Sir / Madam, Sub: Disclosure under SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Pursuant to Regulation 30 read with Schedule III of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 and Regulation 8 read with Schedule A of SEBI (Prohibition of Insider Trading) Regulations, 2015, we hereby share the following information: Deposits: Particulars 30-Sep-26 * 30-Sep-25 Y-o-Y 30-Jun-26 Q-o-Q (₹ In Crore) Term Deposits 21,821 16,848 29.52% 20,627 5.79% CASA 6,645 6,046 9.91% 6,297 5.53% CASA Ratio 23.34% 26.41% - 23.39% - Total Deposits 28,466 22,894 24.34% 26,924 5.73% Advances: Particulars 30-Sep-26 * 30-Sep-25 Y-o-Y 30-Jun-26 Q-o-Q (₹ In Crore) Micro Loans 8,331 7,426 12.19% 8,733 -4.60% Retail and Other Loans 15,600 11,711 33.21% 14,482 7.72% Gross Advances 23,931 19,137 25.05% 23,215 3.08% Advances (Including IBPC) 24,981 19,137 30.54% 24,215 3.16% *The information with reference to Quarter ended September 30, 2026 is provisional and subject to limited review by the statutory auditors of the Bank. Management Commentary: 1. Deposits: • Total deposits increased by 24.34% YoY to ₹28,466 Crore as of September 30, 2026. • CASA deposits witnessed a 9.91% YoY growth, reaching ₹6,645 Crore as of September 30, 2026. • The CASA ratio is 23.34% as on September 30, 2026 as against 26.41% as on September 30, 2025. 2. Advances: • Gross advances increased by 25.05% YoY to ₹23,931 Crore as of September 30, 2026. • The Bank had undertaken Technical Write off of the NPAs during Q2 amounting to ₹625 Crore. Had it not been done, the Year-on-Year growth would have been 28.32% and Quarter-on-Quarter growth would have been 5.78%. Accordingly, the gross advances as on September 30, 2026, would have stood at ₹24,556 Crore. • Advances including IBPC increased by 30.54% YoY to ₹24,981 Crore as on September 30, 2026. • MARG (MSME, Agri, Retail & Gold Loan) - MARG advances grew by 38% on YoY basis and stands at ₹13,938 Crore as of September 30, 2026. • Secured advances constitutes 65.19% of the gross advances as on September 30, 2026 as against 61.20% as on September 30, 2025. • Disbursements remained stable at ₹16,608 Crore in FY27, compared to ₹16,607 Crore in FY26. • CD Ratio computed as a percentage of gross advances to deposits stood at 84.07% as on September 30, 2026 as against 83.59% as on September 30, 2025. 3. Total Business • Total business of the Bank (including IBPC) stands at ₹53,447 Crore as on September 30, 2026 as against ₹42,031 Crore as on September 30, 2025. 4. Distribution Network: • As on September 30, 2026, the Bank’s distribution network comprised 831 branches, 722 ATMs and 1060 Customer Service Centres spanning across 24 states and 2 union territories. We request you to bring the above to the notice of all concerned. This intimation is also made available on the website of the Bank at https://www.esaf.bank.in/investor-relation/?id=disclosure-to-stock-exchanges. Requesting you to take the same into your records. Thanking you. Yours faithfully, For ESAF Small Finance Bank Limited Ranjith Raj. P Company Secretary and Compliance Officer