General Updates

Ref No: 02/SE/CS/JULY/2026-27 Date: July 02, 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 with respect to the quarter ended June 30, 2026: Deposits: Particulars 30-Jun-26 * 30-Jun-25 Y-o-Y 31-Mar-26 Q-o-Q (₹ In Crore) Term Deposits 20,627 17,071 20.83% 19,670 4.87% CASA 6,298 5,628 11.90% 6,181 1.89% CASA Ratio 23.39% 24.79% - 23.91% - Total Deposits 26,925 22,699 18.62% 25,850 4.16% Advances: Particulars 30-Jun-26 * 30-Jun-25 Y-o-Y 31-Mar-26 Q-o-Q (₹ In Crore) Micro Loans 8,733 7,522 16.10% 8,746 -0.16% Retail and Other Loans 14,483 10,702 35.32% 13,679 5.87% Gross Advances 23,216 18,224 27.39% 22,426 3.52% Advances (Including 24,216 18,224 32.87% 23,076 4.94% IBPC) *The information with reference to Quarter ended June 30, 2026 is provisional and subject to limited review by the statutory auditors of the Bank. Management Commentary: 1. Deposits: • Total deposits increased by 18.62% YoY to ₹26,925 Crore as on June 30, 2026. • CASA deposits witnessed a 11.90% YoY growth, reaching ₹6298 Crore as on June 30, 2026. • The CASA ratio stood at 23.39% as on June 30, 2026 as against 24.79% as on June 30, 2025. 2. Advances: • Gross advances increased by 27.39% YoY to ₹23,216 Crore as on June 30, 2026. • Advances including IBPC increased by 32.87% YoY to 24,216 Crore as on June 30, 2026. • MARG (MSME, Agri Retail & Gold Loan) - MARG advances grew by 35.32% and stood at ₹14,483 Crore as on June 30, 2026. • Secured advances constitute 62.38% of the gross advances as on June 30, 2026 as against 58.73% as on June 30, 2025. • Disbursements increased from ₹7,700 Crore in Q1 FY26 to ₹8,381 Crore in Q1 FY27, representing a YoY growth of approximately 9% • CD Ratio computed as a percentage of gross advances to deposits stood at 86.22% as on June 30, 2026 as against 80.29% as on June 30, 2025 3. Total Business • Total business of the Bank (including IBPC) stood at ₹51,141 Crore as on June 30, 2026 as against ₹40,923 Crore as on June 30, 2025. 4. Customer Base: • The Bank’s customer base stood at 1.04 Crore as on June 30, 2026, with 1.86 lakh new customers added during this Quarter. 5. Distribution Network: • As on June 30, 2026, the Bank’s distribution network comprised 821 branches, 721 ATMs and 1065 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