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

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Jun'26

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Interest Earned

1,960.40

1,836.35

1,691.68

1,617.35

1,648.86

1,643.97

1,611.93

Income On Investments

175.33

167.62

169.26

162.85

161.24

159.43

163.74

Interest On Balances With Rbi Other Inter Bank Funds

30.12

36.94

27.62

44.09

53.65

36.84

23.19

Interest / Discount On Advances / Bills

1,754.88

1,631.74

1,494.76

1,410.40

1,433.97

1,447.69

1,425.00

Others

0.07

0.05

0.04

0.00

0.01

0.00

Other Income

255.10

263.46

289.45

228.95

291.69

225.45

238.41

Total Income

2,215.50

2,099.81

1,981.13

1,846.29

1,940.55

1,869.42

1,850.34

Interest Expended

930.81

856.23

840.05

843.67

863.12

814.55

793.54

Net Interest Income

1,029.59

980.12

851.63

773.68

785.74

829.42

818.39

Total Expenditure (Excl Depreciation)

879.96

841.12

833.90

762.06

762.66

743.57

723.95

Employee Cost

548.71

514.10

516.28

473.69

460.01

418.43

425.48

Other Operating Expenses

331.25

327.02

317.62

288.37

302.65

325.14

298.47

Operating Profit Before Provisions and Contingencies

404.73

402.46

307.18

240.56

314.77

311.30

332.85

Exceptional Items

0.00

Provisions and contingencies

160.66

124.11

193.45

207.02

612.25

258.01

243.11

Profit Before Tax

244.07

278.35

113.73

33.54

-297.48

53.29

89.74

Tax

60.47

65.67

23.70

9.40

-73.72

11.18

23.44

Profit After Tax

183.61

212.68

90.03

24.14

-223.76

42.11

66.30

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

183.61

212.68

90.03

24.14

-223.76

42.11

66.30

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

1.61

1.86

0.79

0.21

-1.96

0.37

0.58

Diluted Earnings per share

1.6

1.86

0.79

0.21

-1.96

0.37

0.58

Operating Profit Margin (Excl OI)

46.92%

47.44%

39.27%

40.08%

16.61%

39.07%

40.01%

Gross Profit Margin

12.45%

15.16%

6.72%

2.07%

-18.04%

3.24%

5.57%

PAT Margin

9.37%

11.58%

5.32%

1.49%

-13.57%

2.56%

4.11%

Net Interest Margin

7.07%

7.29%

6.72%

6.29%

6.55%

7.13%

7.39%

Return on Assets

0.29%

0.35%

0.16%

0.04%

-0.41%

0.08%

0.13%

CASA (%)

25.0%

26.0%

30.0%

31.0%

29.0%

0.0%

CASA Amount

12,307.00

12,198.00

12,886.00

13,622.00

13,019.00

12,406.00

11,668.00

Capital Adequacy Ratio (Total)

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

71.02%

73.03%

67.1%

66.93%

67.03%

66.83%

68.28%

Amount of Gross NPAs

1,100.39

1,134.89

1,116.09

1,081.87

1,035.99

1,067.73

1,071.87

Amount of Net NPAs

318.94

306.08

367.15

357.82

341.59

354.20

340.05

% of Net NPAs

0.71%

0.72%

0.92%

0.98%

0.96%

% of Gross NPAs

2.42%

2.6%

2.75%

2.92%

2.89%

2.97%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

396.0

390.0

382.0

376.0

375.0

Number of Branches

1063.0

1060.0

1053.0

1042.0

1035.0

994.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Jun 2026 is 6.76% vs 8.55% in Mar 2026

Net Profit

QoQ Growth in quarter ended Jun 2026 is -13.67% vs 136.23% in Mar 2026

Operating Profit (PBDIT)

QoQ Growth in quarter ended Jun 2026 is 0.56% vs 31.02% in Mar 2026

% of Net NPAs

QoQ Growth in quarter ended Jun 2026 is -0.01% vs -0.20% in Mar 2026

% of Gross NPAs

QoQ Growth in quarter ended Jun 2026 is -0.18% vs -0.15% in Mar 2026

Compare Quarterly Results Of Equitas Sma. Fin With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

1,960.40

2,024.92

-64.52

-3.19%

Income On Investments

175.33

222.17

-46.84

-21.08%

Interest On Balances With Rbi Other Inter Bank Funds

30.12

8.90

21.22

238.43%

Interest / Discount On Advances / Bills

1,754.88

1,792.11

-37.23

-2.08%

Others

0.07

1.74

-1.67

-95.98%

Other Income

255.10

256.01

-0.91

-0.36%

Total Income

2,215.50

2,280.93

-65.43

-2.87%

Interest Expended

930.81

837.57

93.24

11.13%

Net Interest Income

1,029.59

1,187.35

-157.76

-13.29%

Total Expenditure (Excl Depreciation)

879.96

895.30

-15.34

-1.71%

Employee Cost

548.71

503.56

45.15

8.97%

Other Operating Expenses

331.25

391.74

-60.49

-15.44%

Operating Profit Before Provisions and Contingencies

404.73

548.06

-143.33

-26.15%

Exceptional Items

0.00

Provisions and contingencies

160.66

127.32

33.34

26.19%

Profit Before Tax

244.07

420.74

-176.67

-41.99%

Tax

60.47

104.20

-43.73

-41.97%

Profit After Tax

183.61

316.54

-132.93

-41.99%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

183.61

316.54

-132.93

-41.99%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

1.61

1.63

-0.02

-1.23%

Diluted Earnings per share

1.60

0.00

Operating Profit Margin (Excl OI)

46.92%

49.50%

0.00

-2.58%

Gross Profit Margin

12.45%

20.78%

0.00

-8.33%

PAT Margin

9.37%

15.63%

0.00

-6.26%

Net Interest Margin

7.07%

8.50%

-1.43

-1.43%

Return on Assets

0.29%

0.53%

-0.24

-0.24%

CASA (%)

25.00%

37.80%

-12.80

-12.80%

CASA Amount

12,307.00

12,930.00

-623.00

-4.82%

Capital Adequacy Ratio (Total)

0.00%

0.00

0.00%

Capital Adequacy Ratio (Tier 1)

0.00%

0.00

0.00%

Provision Coverage Ratio (%)

71.02%

85.00%

-13.98

-13.98%

Amount of Gross NPAs

1,100.39

923.65

176.74

19.13%

Amount of Net NPAs

318.94

141.66

177.28

125.14%

% of Net NPAs

0.71%

0.34%

0.37

0.37%

% of Gross NPAs

2.42%

2.16%

0.26

0.26%

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

605.00

-209.00

-34.55%

Number of Branches

1,063.00

814.00

249.00

30.59%

Quarterly - Interest Earned

Interest Earned 1960.4 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 6.76% vs 8.55% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 18.89% vs 9.85% in Jun 2025

Quarterly - Net Profit

Net Profit 183.61 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is -13.67% vs 136.23% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 182.06% vs -968.63% in Jun 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 404.73 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 0.56% vs 31.02% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 28.58% vs -7.53% in Jun 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.71%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.01% vs -0.20% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.27% vs 0.15% in Jun 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 2.42%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.18% vs -0.15% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.50% vs 0.19% in Jun 2025