Equitas Small Finance Bank Limited — Quarter ended March 31, 2026 (year ended March 31, 2026)
| National Stock Exchange of India Limited | BSE Limited |
|---|---|
| Exchange Plaza | Phiroze Jeejeebhoy Towers |
| Bandra Kurla Complex | Dalal Street |
| Mumbai – 400051 | Mumbai – 400 001 |
| Symbol: EQUITASBNK | Scrip Code: 543243,976218 & 976979 |
| ISIN | Details |
|---|---|
| INE063P08112 | Pursuant to Regulation 52(7) and 52 (7A), we hereby confirm that the issue proceeds of Non-Convertible Debentures (NCDs) issued by the Bank to the extent of Rs.500 crores as of December 05, 2024 and Rs.500 crores as of July 31, 2025 have been fully utilized for the intended purpose and there has been no material deviation in the use of proceeds of issue of NCDs from the objects stated in the offer document. |
| INE063P08120 | The statements indicating the utilization of issue proceeds and statement indicating deviation/ variation report (“Nil report”) are enclosed as Annexure III and Annexure IV. |
| ISIN | Details |
|---|---|
| 1INE063P08112 | The disclosure under SEBI Circular No. SEBI/HO/MIRSD/MIRSD_CRADT/CIR/P/2022/67 dated May 19, 2022 read with amendments thereto, Regulation 54(2) and 54(3) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 with respect to Security Cover, is not applicable, as the Non-Convertible Securities issued by the Bank to the extent of Rs.500 crores as of December 05, 2024 and Rs.500 crores as of July 31, 2025 are unsecured. |
| 1INE063P08120 | (Same details as above combined under this entry) |
| Particulars | Quarter ended | Year ended |
|---|---|---|
| 31-Mar-26 Audited (Refer Note 21) | 31-Dec-25 Unaudited | |
| 1. Interest Earned (a)+(b)+(c)+(d) | 1,83,634.90 | 1,69,167.93 |
| (a) Interest / discount on advances / bills | 1,63,173.68 | 1,49,476.46 |
| (b) Income on investments | 16,762.09 | 16,925.58 |
| (c) Interest on balances with Reserve Bank of India and other inter bank funds | 3,694.27 | 2,781.80 |
| (d) Others | 4.86 | 4.29 |
| 2. Other Income (Refer note 16) | 26,345.87 | 28,945.49 |
| 3. Total Income (1)+(2) | 2,09,880.77 | 1,98,113.42 |
| 4. Interest Expended | 85,823.29 | 84,005.00 |
| 5. Operating Expenses (i)+(ii) | 84,111.63 | 83,390.46 |
| (i) Employees Cost (Refer note 14) | 51,409.76 | 61,628.45 |
| (ii) Other Operating Expenses | 32,701.87 | 31,762.01 |
| 6. Total Expenditure (4)+(5) (excluding provisions & contingencies) | 1,69,734.92 | 1,67,396.46 |
| 7. Operating Profit before Provisions & Contingencies (3)-(6) | 40,246.85 | 30,717.96 |
| 8. Provisions (other than tax) and Contingencies | 12,410.95 | 19,345.40 |
| 9. Exceptional Items | – | – |
| 10. Profit from Ordinary Activities before tax (7)-(8)-(9) | 27,834.90 | 11,372.55 |
| 11. Tax Expense | 8,566.61 | 2,369.78 |
| 12. Net Profit from Ordinary Activities after tax (10)-(11) | 21,268.29 | 9,002.78 |
| 13. Extraordinary Items (net of Tax Expense) | – | – |
| 14. Net Profit for the Period / Year (12)-(13) | 21,268.29 | 9,002.78 |
| 15. Paid-up Equity Share Capital (Face Value of ₹ 10/- each) | 1,14,104.31 | 1,14,071.99 |
| 16. Reserves excluding Revaluation Reserves | – | – |
| Description | 31-Mar-26 | 31-Dec-25 | 31-Mar-25 | Year ended 31-Mar-26 | Year ended 31-Mar-25 |
|---|---|---|---|---|---|
| (i) Percentage of Shares held by Government of India | Nil | Nil | Nil | Nil | Nil |
| (ii) Capital Adequacy Ratio (%)- Basel-II (Refer note 8) | 20.31% | 20.47% | 20.60% | 20.31% | 20.60% |
| (iii) Earnings Per Share (EPS) – (Face Value of ₹ 10/- each) | |||||
| – Basic EPS (₹) before & after extraordinary items (net of tax expense)* | 1.86 | 0.79 | 0.37 | 0.90 | 1.29 |
| – Diluted EPS (₹) before & after extraordinary items (net of tax expense)* | 1.86 | 0.79 | 0.37 | 0.90 | 1.29 |
| (iv) NPA Ratio | |||||
| (a) Gross NPAs | 1,13,489.11 | 1,11,609.43 | 1,06,772.99 | 1,13,489.11 | 1,06,772.99 |
| (b) Net NPAs | 30,608.15 | 36,715.47 | 35,419.52 | 30,608.15 | 35,419.52 |
| (c) % of Gross NPA to Gross Advances | 2.60% | 2.75% | 2.89% | 2.60% | 2.89% |
| (d) % of Net NPA to Net Advances | 0.72% | 0.92% | 0.98% | 0.72% | 0.98% |
| (v) Return on Assets (average)* | 0.35% | 0.16% | 0.08% | 0.18% | 0.30% |
| (vi) Net worth (excluding Deferred Tax Assets, Revaluation Reserve & intangibles) | 5,58,245.30 | 5,38,359.83 | 5,59,257.61 | 5,58,245.30 | 5,59,257.61 |
| Sl No | Particulars | Quarter ended 31-Mar-26 Audited (Refer Note 21) |
Quarter ended 31-Dec-25 Unaudited |
Quarter ended 31-Mar-25 Audited (Refer Note 21) |
Year ended 31-Mar-26 Audited |
Year ended 31-Mar-25 Audited |
|---|---|---|---|---|---|---|
| 1 | Segment revenue | |||||
| a) | Treasury | 19,747.47 | 23,057.29 | 22,411.88 | 1,00,363.21 | 89,020.57 |
| b) | Retail Banking | 1,81,036.09 | 1,68,403.12 | 1,59,263.73 | 6,61,583.47 | 6,14,459.87 |
| c) | Wholesale Banking | 4,780.04 | 3,720.93 | 1,589.39 | 11,871.30 | 6,376.48 |
| d) | Other Banking operations | 4,417.17 | 2,932.08 | 3,676.57 | 12,960.45 | 12,464.49 |
| e) | Unallocated | – | – | – | – | – |
| Less: Inter segment revenue | – | – | – | – | – | |
| Income from operations | 2,09,980.77 | 1,98,113.42 | 1,86,941.57 | 7,86,778.43 | 7,22,321.41 | |
| 2 | Segment results | |||||
| a) | Treasury | 2,465.98 | 6,375.85 | 3,677.07 | 26,604.48 | 19,399.88 |
| b) | Retail Banking | 23,813.20 | 4,225.12 | 1,111.83 | (16,129.88) | (1,609.49) |
| c) | Wholesale Banking | (42.12) | (331.78) | (508.43) | (2,505.04) | (269.70) |
| d) | Other Banking operations | 4,321.88 | 2,845.67 | 3,347.34 | 12,521.08 | 11,088.30 |
| e) | Unallocated | (2,724.04) | (1,742.30) | (2,299.00) | (7,677.35) | (8,724.08) |
| Profit before Tax | 27,834.90 | 11,372.56 | 5,328.81 | 12,813.29 | 19,884.91 | |
| 3 | Segment assets | |||||
| a) | Treasury | 15,11,551.60 | 12,01,113.63 | 14,39,610.75 | 15,11,551.60 | 14,39,610.75 |
| b) | Retail Banking | 42,72,318.79 | 41,09,562.49 | 37,31,835.56 | 42,72,318.79 | 37,31,835.56 |
| c) | Wholesale Banking | 2,36,812.49 | 2,25,954.48 | 77,613.98 | 2,36,812.49 | 77,613.96 |
| d) | Other Banking operations | – | – | – | – | – |
| e) | Unallocated | 40,352.96 | 42,001.57 | 34,503.15 | 40,352.96 | 34,503.15 |
| Total | 60,61,035.84 | 56,78,832.17 | 52,83,563.44 | 60,61,035.84 | 52,83,563.44 | |
| 4 | Segment liabilities | |||||
| a) | Treasury | 13,61,851.17 | 10,75,936.56 | 12,76,505.40 | 13,61,851.17 | 12,76,505.40 |
| b) | Retail Banking | 38,66,861.57 | 37,01,123.69 | 33,24,913.23 | 38,66,861.57 | 33,24,913.23 |
| c) | Wholesale Banking | 2,14,283.19 | 2,03,285.90 | 69,109.02 | 2,14,283.19 | 69,109.02 |
| d) | Other Banking operations | – | – | – | – | – |
| e) | Unallocated | 5,556.65 | 3,677.52 | 5,783.76 | 5,556.65 | 5,783.76 |
| Total | 54,48,652.58 | 49,84,023.67 | 46,76,311.41 | 54,48,652.58 | 46,76,311.41 | |
| 5 | Capital Employed (Segment Assets- Segment Liabilities) | |||||
| a) | Treasury | 1,49,700.43 | 1,25,177.07 | 1,63,105.35 | 1,49,700.43 | 1,63,105.35 |
| b) | Retail Banking | 4,05,457.22 | 4,08,438.80 | 4,06,922.33 | 4,05,457.22 | 4,06,922.33 |
| c) | Wholesale Banking | 22,529.30 | 22,668.58 | 8,504.96 | 22,529.30 | 8,504.96 |
| d) | Other Banking operations | – | – | – | – | – |
| e) | Unallocated | 34,796. |