Equitas Small Finance Bank Ltd Annual Results: Standalone & Consolidated Reports

Annual Results

Results Snapshot

Figures in Cr

Standalone Annual Results

Mar'26

Mar'25

Mar'24

Mar'23

Mar'22

Mar'21

Mar'20

Interest Earned

6,794.24

6,311.73

5,486.40

4,161.88

3,459.67

3,194.41

2,645.44

Income On Investments

660.97

647.39

539.75

315.61

246.14

219.38

157.65

Interest On Balances With Rbi Other Inter Bank Funds

162.20

100.97

25.69

81.54

74.40

74.20

67.79

Interest / Discount On Advances / Bills

5,970.88

5,563.32

4,920.96

3,764.72

3,139.12

2,900.83

2,420.01

Others

0.19

0.05

0.00

Other Income

1,073.55

911.49

798.67

669.59

537.56

418.05

282.35

Total Income

7,867.78

7,223.21

6,285.07

4,831.46

3,997.23

3,612.47

2,927.80

Interest Expended

3,403.07

3,060.11

2,406.64

1,617.15

1,421.13

1,396.45

1,150.14

Net Interest Income

3,391.17

3,251.62

3,079.76

2,544.73

2,038.54

1,797.96

1,495.30

Total Expenditure (Excl Depreciation)

3,199.75

2,828.83

2,501.07

2,038.30

1,704.15

1,329.43

1,180.08

Employee Cost

1,964.08

1,621.01

1,368.83

1,096.68

898.21

791.45

709.79

Other Operating Expenses

1,235.67

1,207.82

1,132.24

941.62

805.94

537.98

470.29

Operating Profit Before Provisions and Contingencies

1,264.97

1,334.27

1,377.36

1,176.01

871.95

886.59

597.58

Exceptional Items

0.00

Provisions and contingencies

1,136.84

1,135.42

314.24

407.20

493.84

375.32

246.64

Profit Before Tax

128.13

198.85

1,063.12

768.80

378.11

511.27

350.94

Tax

25.05

51.80

264.16

195.21

97.38

127.04

107.30

Profit After Tax

103.08

147.05

798.96

573.59

280.73

384.22

243.64

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

103.08

147.05

798.96

573.59

280.73

384.22

243.64

Face Value

10.0

Reserves

4,983.79

4,932.66

4,833.81

4,047.39

2,994.14

2,257.06

1,690.75

Earnings per share (EPS)

0.9

1.29

7.04

5.16

2.24

3.37

2.31

Diluted Earnings per share

0.9

1.29

7.01

4.67

2.4

3.49

2.39

Operating Profit Margin (Excl OI)

36.17%

37.19%

48.69%

41.24%

36.47%

46.63%

46.07%

Gross Profit Margin

1.89%

3.15%

19.38%

18.47%

10.93%

16.01%

13.27%

PAT Margin

1.52%

2.33%

14.56%

13.78%

8.11%

12.03%

9.21%

Net Interest Margin

6.69%

7.51%

8.36%

9.0%

8.54%

8.44%

9.11%

Return on Assets

0.0%

1.7%

1.38%

CASA (%)

26.0%

29.0%

32.0%

42.28%

52.01%

0.0%

CASA Amount

12,198.00

12,406.00

11,552.00

10,704.00

9,855.00

5,614.00

2,209.00

Capital Adequacy Ratio (Total)

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

73.03%

66.83%

56.06%

56.9%

42.73%

58.59%

45.22%

Amount of Gross NPAs

1,134.89

1,067.73

821.28

723.96

837.18

642.78

417.32

Amount of Net NPAs

306.08

354.20

360.90

312.02

479.48

266.17

228.61

% of Net NPAs

0.72%

0.98%

1.17%

1.21%

2.47%

1.52%

1.5%

% of Gross NPAs

2.6%

2.89%

2.61%

2.76%

4.24%

3.59%

2.72%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

396.0

375.0

365.0

349.0

339.0

332.0

0.0

Number of Branches

1060.0

994.0

964.0

922.0

869.0

861.0

0.0

Annual Analysis Highlights

Interest Earned

YoY Growth in year ended Mar 2026 is 7.64% vs 15.04% in Mar 2025

Net Profit

YoY Growth in year ended Mar 2026 is -29.90% vs -81.59% in Mar 2025

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2026 is -5.19% vs -3.13% in Mar 2025

% of Net NPAs

YoY Growth in year ended Mar 2026 is -0.26% vs -0.19% in Mar 2025

% of Gross NPAs

YoY Growth in year ended Mar 2026 is -0.29% vs 0.28% in Mar 2025

Compare Annual Results Of Equitas Sma. Fin With

Select Peers

Figures in Cr

Standalone Annual Results

Change(INR)

Change(%)

Interest Earned

6,794.24

6,931.45

-137.21

-1.98%

Income On Investments

660.97

830.33

-169.36

-20.4%

Interest On Balances With Rbi Other Inter Bank Funds

162.20

16.00

146.20

913.75%

Interest / Discount On Advances / Bills

5,970.88

6,077.47

-106.59

-1.75%

Others

0.19

7.65

-7.46

-97.52%

Other Income

1,073.55

1,107.52

-33.97

-3.07%

Total Income

7,867.78

8,038.97

-171.19

-2.13%

Interest Expended

3,403.07

3,060.45

342.62

11.2%

Net Interest Income

3,391.17

3,871.00

-479.83

-12.4%

Total Expenditure (Excl Depreciation)

3,199.75

3,268.39

-68.64

-2.1%

Employee Cost

1,964.08

1,790.97

173.11

9.67%

Other Operating Expenses

1,235.67

1,477.42

-241.75

-16.36%

Operating Profit Before Provisions and Contingencies

1,264.97

1,710.13

-445.16

-26.03%

Exceptional Items

0.00

Provisions and contingencies

1,136.84

799.10

337.74

42.27%

Profit Before Tax

128.13

911.03

-782.90

-85.94%

Tax

25.05

218.40

-193.35

-88.53%

Profit After Tax

103.08

692.63

-589.55

-85.12%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

103.08

692.63

-589.55

-85.12%

Face Value

10.00

0.00

Reserves

4,983.79

4,872.96

110.83

2.27%

Earnings per share (EPS)

0.90

3.57

-2.67

-74.79%

Diluted Earnings per share

0.90

3.51

-2.61

-74.36%

Operating Profit Margin (Excl OI)

36.17%

41.32%

0.00

-5.15%

Gross Profit Margin

1.89%

13.14%

0.00

-11.25%

PAT Margin

1.52%

9.99%

0.00

-8.47%

Net Interest Margin

6.69%

8.10%

-1.41

-1.41%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

26.00%

28.60%

-2.60

-2.60%

CASA Amount

12,198.00

13,061.00

-863.00

-6.61%

Capital Adequacy Ratio (Total)

0.00%

0.00

0.00%

Capital Adequacy Ratio (Tier 1)

0.00%

0.00

0.00%

Provision Coverage Ratio (%)

73.03%

81.00%

-7.97

-7.97%

Amount of Gross NPAs

1,134.89

916.71

218.18

23.8%

Amount of Net NPAs

306.08

170.44

135.64

79.58%

% of Net NPAs

0.72%

0.43%

0.29

0.29%

% of Gross NPAs

2.60%

2.26%

0.34

0.34%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

396.00

612.00

-216.00

-35.29%

Number of Branches

1,060.00

776.00

284.00

36.6%

Annual - Interest Earned

Interest Earned 6794.24 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 7.64% vs 15.04% in Mar 2025

Annual - Net Profit

Net Profit 103.08 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is -29.90% vs -81.59% in Mar 2025

Annual - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,264.97 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is -5.19% vs -3.13% in Mar 2025

Annual - % of Net NPAs

% of Net NPAs 0.72%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.26% vs -0.19% in Mar 2025

Annual - % of Gross NPAs

% of Gross NPAs 2.60%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.29% vs 0.28% in Mar 2025