Results Snapshot
Figures in Cr
Standalone Annual Results
Mar'25
Mar'24
Mar'23
Mar'22
Mar'21
Mar'20
Mar'19
Interest Earned
6,311.73
5,486.40
4,161.88
3,459.67
3,194.41
2,645.44
2,111.93
Income On Investments
647.39
539.75
315.61
246.14
219.38
157.65
257.96
Interest On Balances With Rbi Other Inter Bank Funds
101.02
25.69
81.54
74.40
74.20
67.79
30.32
Interest / Discount On Advances / Bills
5,563.32
4,920.96
3,764.72
3,139.12
2,900.83
2,420.01
1,823.66
Others
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Income
911.49
798.67
669.59
537.56
418.05
282.35
282.90
Total Income
7,223.21
6,285.07
4,831.46
3,997.23
3,612.47
2,927.80
2,394.83
Interest Expended
3,060.11
2,406.64
1,617.15
1,421.13
1,396.45
1,150.14
960.20
Net Interest Income
3,251.62
3,079.76
2,544.73
2,038.54
1,797.96
1,495.30
1,151.73
Total Expenditure (Excl Depreciation)
2,828.83
2,501.07
2,038.30
1,704.15
1,329.43
1,180.08
1,008.49
Employee Cost
1,621.01
1,368.83
1,096.68
898.21
791.45
709.79
551.31
Other Operating Expenses
1,207.82
1,132.24
941.62
805.94
537.98
470.29
457.18
Operating Profit Before Provisions and Contingencies
1,334.27
1,377.36
1,176.01
871.95
886.59
597.58
426.14
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
1,135.42
314.24
407.20
493.84
375.32
246.64
102.41
Profit Before Tax
198.85
1,063.12
768.80
378.11
511.27
350.94
323.74
Tax
51.80
264.16
195.21
97.38
127.04
107.30
113.17
Profit After Tax
147.05
798.96
573.59
280.73
384.22
243.64
210.57
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
147.05
798.96
573.59
280.73
384.22
243.64
210.57
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
4,932.66
4,833.81
4,047.39
2,994.14
2,257.06
1,690.75
1,248.38
Earnings per share (EPS)
1.29
7.04
5.16
2.24
3.37
2.31
2.09
Diluted Earnings per share
1.29
7.01
4.67
2.4
3.49
2.39
2.09
Operating Profit Margin (Excl OI)
37.19%
48.69%
41.24%
36.47%
46.63%
46.07%
51.74%
Gross Profit Margin
3.15%
19.38%
18.47%
10.93%
16.01%
13.27%
19.67%
PAT Margin
2.33%
14.56%
13.78%
8.11%
12.03%
9.21%
9.97%
Net Interest Margin
0.0%
8.36%
9.0%
8.54%
8.44%
9.11%
8.55%
Return on Assets
0.0%
0.0%
0.0%
0.0%
1.7%
1.38%
1.45%
CASA (%)
29.0%
32.0%
42.28%
52.01%
0.0%
0.0%
0.0%
CASA Amount
12,410.00
11,552.00
10,704.00
9,855.00
5,614.00
2,209.00
0.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
22.44%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Provision Coverage Ratio (%)
66.83%
56.06%
56.9%
42.73%
58.59%
45.22%
43.38%
Amount of Gross NPAs
1,067.73
821.28
723.96
837.18
642.78
417.32
295.71
Amount of Net NPAs
354.20
360.90
312.02
479.48
266.17
228.61
186.41
% of Net NPAs
0.98%
1.17%
1.21%
2.47%
1.52%
1.5%
1.44%
% of Gross NPAs
2.89%
2.61%
2.76%
4.24%
3.59%
2.72%
2.53%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
375.0
365.0
349.0
339.0
332.0
0.0
0.0
Number of Branches
994.0
964.0
922.0
869.0
861.0
0.0
0.0
Annual Analysis Highlights
Interest Earned
YoY Growth in year ended Mar 2025 is 15.04% vs 31.83% in Mar 2024
Net Profit
YoY Growth in year ended Mar 2025 is -81.59% vs 39.29% in Mar 2024
Operating Profit (PBDIT)
YoY Growth in year ended Mar 2025 is -3.13% vs 17.12% in Mar 2024
% of Net NPAs
YoY Growth in year ended Mar 2025 is -0.19% vs -0.04% in Mar 2024
% of Gross NPAs
YoY Growth in year ended Mar 2025 is 0.28% vs -0.15% in Mar 2024
Compare Annual Results Of Equitas Sma. Fin With
Figures in Cr
Standalone Annual Results
Change(INR)
Change(%)
Interest Earned
6,311.73
6,354.39
-42.66
-0.67%
Income On Investments
647.39
805.83
-158.44
-19.66%
Interest On Balances With Rbi Other Inter Bank Funds
101.02
10.96
90.06
821.72%
Interest / Discount On Advances / Bills
5,563.32
5,525.70
37.62
0.68%
Others
0.00
11.90
-11.90
-100.0%
Other Income
911.49
846.20
65.29
7.72%
Total Income
7,223.21
7,200.59
22.62
0.31%
Interest Expended
3,060.11
2,718.12
341.99
12.58%
Net Interest Income
3,251.62
3,636.27
-384.65
-10.58%
Total Expenditure (Excl Depreciation)
2,828.83
2,793.24
35.59
1.27%
Employee Cost
1,621.01
1,499.49
121.52
8.1%
Other Operating Expenses
1,207.82
1,293.75
-85.93
-6.64%
Operating Profit Before Provisions and Contingencies
1,334.27
1,689.23
-354.96
-21.01%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
1,135.42
747.66
387.76
51.86%
Profit Before Tax
198.85
941.57
-742.72
-78.88%
Tax
51.80
215.47
-163.67
-75.96%
Profit After Tax
147.05
726.10
-579.05
-79.75%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
147.05
726.10
-579.05
-79.75%
Face Value
10.00
10.00
0.00
Reserves
4,932.66
4,148.41
784.25
18.9%
Earnings per share (EPS)
1.29
3.75
-2.46
-65.6%
Diluted Earnings per share
1.29
3.71
-2.42
-65.23%
Operating Profit Margin (Excl OI)
37.19%
44.28%
0.00
-7.09%
Gross Profit Margin
3.15%
14.82%
0.00
-11.67%
PAT Margin
2.33%
11.43%
0.00
-9.10%
Net Interest Margin
0.00%
8.80%
-8.80
-8.80%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
29.00%
25.50%
3.50
3.50%
CASA Amount
12,410.00
9,612.00
2,798.00
29.11%
Capital Adequacy Ratio (Total)
0.00%
0.00%
0.00
0.00%
Capital Adequacy Ratio (Tier 1)
0.00%
0.00%
0.00
0.00%
Provision Coverage Ratio (%)
66.83%
78.00%
-11.17
-11.17%
Amount of Gross NPAs
1,067.73
695.89
371.84
53.43%
Amount of Net NPAs
354.20
152.43
201.77
132.37%
% of Net NPAs
0.98%
0.49%
0.49
0.49%
% of Gross NPAs
2.89%
2.18%
0.71
0.71%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
375.00
613.00
-238.00
-38.83%
Number of Branches
994.00
753.00
241.00
32.01%
Annual - Interest Earned
Interest Earned 6311.73 Cr
in Mar 2025Figures in Cr
YoY Growth in year ended Mar 2025 is 15.04% vs 31.83% in Mar 2024
Annual - Net Profit
Net Profit 147.05 Cr
in Mar 2025Figures in Cr
YoY Growth in year ended Mar 2025 is -81.59% vs 39.29% in Mar 2024
Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 1,334.27 Cr
in Mar 2025Figures in Cr
YoY Growth in year ended Mar 2025 is -3.13% vs 17.12% in Mar 2024
Annual - % of Net NPAs
% of Net NPAs 0.98%
in Mar 2025Figures in %
YoY Growth in year ended Mar 2025 is -0.19% vs -0.04% in Mar 2024
Annual - % of Gross NPAs
% of Gross NPAs 2.89%
in Mar 2025Figures in %
YoY Growth in year ended Mar 2025 is 0.28% vs -0.15% in Mar 2024






