Results Snapshot
Figures in Cr
Standalone Half Yearly Results
Sep'25
Sep'24
Sep'23
Sep'22
Sep'21
Sep'20
Mar'20
Interest Earned
3,266.21
3,055.82
2,612.95
1,942.76
1,662.55
1,518.85
1,402.58
Income On Investments
324.09
324.22
234.65
134.32
116.41
100.55
77.79
Interest On Balances With Rbi Other Inter Bank Funds
97.74
40.97
11.25
49.62
37.47
26.70
35.64
Interest / Discount On Advances / Bills
2,844.38
2,690.64
2,367.05
1,758.82
1,508.66
1,391.60
1,289.16
Others
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Income
520.63
447.63
352.74
278.25
248.77
83.71
159.27
Total Income
3,786.84
3,503.46
2,965.69
2,221.01
1,911.32
1,602.57
1,561.86
Interest Expended
1,706.78
1,452.03
1,104.23
752.50
717.68
653.32
594.98
Net Interest Income
1,559.43
1,603.79
1,508.72
1,190.26
944.87
865.53
807.60
Total Expenditure (Excl Depreciation)
1,524.73
1,361.32
1,219.16
958.01
837.23
597.17
620.05
Employee Cost
933.70
777.09
659.49
500.75
449.19
382.28
370.83
Other Operating Expenses
591.03
584.23
559.67
457.26
388.04
214.89
249.22
Operating Profit Before Provisions and Contingencies
555.33
690.11
642.31
510.51
356.41
352.07
346.83
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
819.27
634.29
123.26
231.70
285.34
142.62
170.46
Profit Before Tax
-263.94
55.82
519.05
278.81
71.07
209.45
176.38
Tax
-64.31
17.18
129.71
65.38
17.95
48.79
39.28
Profit After Tax
-199.63
38.64
389.34
213.43
53.12
160.66
137.10
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
-199.63
38.64
389.34
213.43
53.12
160.66
137.10
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
-1.75
0.34
3.47
1.7
0.46
1.53
1.3
Diluted Earnings per share
-1.75
0.34
3.43
1.69
0.46
1.53
1.34
Operating Profit Margin (Excl OI)
28.23%
34.7%
48.62%
38.76%
32.48%
51.29%
47.1%
Gross Profit Margin
-8.08%
1.83%
19.86%
14.35%
4.27%
13.79%
16.04%
PAT Margin
-6.11%
1.26%
14.9%
10.99%
3.2%
10.58%
9.77%
Net Interest Margin
0.0%
0.0%
0.0%
0.0%
0.0%
9.02%
0.0%
Return on Assets
-0.37%
0.08%
1.01%
0.71%
0.21%
0.76%
0.0%
CASA (%)
31.0%
30.0%
34.0%
48.0%
45.0%
25.0%
0.0%
CASA Amount
13,622.00
12,079.00
10,349.00
10,423.00
8,200.00
3,246.00
2,208.21
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
23.61%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
22.44%
Provision Coverage Ratio (%)
66.93%
67.71%
57.72%
50.49%
50.09%
58.98%
0.0%
Amount of Gross NPAs
1,081.87
1,022.82
660.50
870.26
880.83
399.65
417.32
Amount of Net NPAs
357.82
330.29
279.29
430.88
439.64
198.92
247.61
% of Net NPAs
0.98%
0.97%
0.97%
1.97%
2.46%
1.03%
1.66%
% of Gross NPAs
2.92%
2.95%
2.27%
3.91%
4.82%
2.48%
2.72%
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
382.0
370.0
356.0
345.0
335.0
322.0
0.0
Number of Branches
1042.0
987.0
956.0
887.0
861.0
856.0
0.0
Half Yearly Analysis Highlights
Interest Earned
Growth in half year ended Sep 2025 is 6.88% vs 16.95% in Sep 2024
Net Profit
Growth in half year ended Sep 2025 is -616.64% vs -90.08% in Sep 2024
Operating Profit (PBDIT)
Growth in half year ended Sep 2025 is -19.53% vs 7.44% in Sep 2024
% of Net NPAs
Growth in half year ended Sep 2025 is 0.01% vs 0.00% in Sep 2024
% of Gross NPAs
Growth in half year ended Sep 2025 is -0.03% vs 0.68% in Sep 2024
Compare Half Yearly Results Of Equitas Sma. Fin With
Figures in Cr
Standalone Half Yearly Results
Change(INR)
Change(%)
Interest Earned
3,266.21
3,301.15
-34.94
-1.06%
Income On Investments
324.09
414.87
-90.78
-21.88%
Interest On Balances With Rbi Other Inter Bank Funds
97.74
10.56
87.18
825.57%
Interest / Discount On Advances / Bills
2,844.38
2,871.54
-27.16
-0.95%
Others
0.00
4.18
-4.18
-100.0%
Other Income
520.63
505.34
15.29
3.03%
Total Income
3,786.84
3,806.49
-19.65
-0.52%
Interest Expended
1,706.78
1,523.52
183.26
12.03%
Net Interest Income
1,559.43
1,777.63
-218.20
-12.27%
Total Expenditure (Excl Depreciation)
1,524.73
1,527.25
-2.52
-0.17%
Employee Cost
933.70
847.21
86.49
10.21%
Other Operating Expenses
591.03
680.04
-89.01
-13.09%
Operating Profit Before Provisions and Contingencies
555.33
755.72
-200.39
-26.52%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
819.27
459.90
359.37
78.14%
Profit Before Tax
-263.94
295.82
-559.76
-189.22%
Tax
-64.31
70.88
-135.19
-190.73%
Profit After Tax
-199.63
224.94
-424.57
-188.75%
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
-199.63
224.94
-424.57
-188.75%
Face Value
10.00
10.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
-1.75
1.16
-2.91
-250.86%
Diluted Earnings per share
-1.75
1.15
-2.90
-252.17%
Operating Profit Margin (Excl OI)
28.23%
39.80%
0.00
-11.57%
Gross Profit Margin
-8.08%
8.96%
0.00
-17.04%
PAT Margin
-6.11%
6.81%
0.00
-12.92%
Net Interest Margin
0.00%
7.80%
-7.80
-7.80%
Return on Assets
-0.37%
0.47%
-0.84
-0.84%
CASA (%)
31.00%
27.00%
4.00
4.00%
CASA Amount
13,622.00
10,783.00
2,839.00
26.33%
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 (%)
66.93%
73.00%
-6.07
-6.07%
Amount of Gross NPAs
1,081.87
843.11
238.76
28.32%
Amount of Net NPAs
357.82
225.00
132.82
59.03%
% of Net NPAs
0.98%
0.67%
0.31
0.31%
% of Gross NPAs
2.92%
2.45%
0.47
0.47%
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
382.00
613.00
-231.00
-37.68%
Number of Branches
1,042.00
766.00
276.00
36.03%
Half Yearly - Interest Earned
Interest Earned 3266.21 Cr
in Sep 2025Figures in Cr
Growth in half year ended Sep 2025 is 6.88% vs 16.95% in Sep 2024
Half Yearly - Net Profit
Net Profit -199.63 Cr
in Sep 2025Figures in Cr
Growth in half year ended Sep 2025 is -616.64% vs -90.08% in Sep 2024
Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 555.33 Cr
in Sep 2025Figures in Cr
Growth in half year ended Sep 2025 is -19.53% vs 7.44% in Sep 2024
Half Yearly - % of Net NPAs
% of Net NPAs 0.98%
in Sep 2025Figures in %
Growth in half year ended Sep 2025 is 0.01% vs 0.00% in Sep 2024
Half Yearly - % of Gross NPAs
% of Gross NPAs 2.92%
in Sep 2025Figures in %
Growth in half year ended Sep 2025 is -0.03% vs 0.68% in Sep 2024






