Equitas Small Finance Bank Reports Record Q2 PAT Of ₹218 Crore, Total Business Surpasses ₹1 Lakh Crore
· Free Press Journal
Mumbai: Equitas Small Finance Bank Limited announced on Thursday that its Board of Directors approved the unaudited financial results for the quarter and half year ended September 30, 2026.
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Financial Performance
The bank's net income for Q2FY27 grew by 32% year-on-year and 3% quarter-on-quarter. Total operating expenses increased by 20% year-on-year and 4% quarter-on-quarter.
Equitas Small Finance Bank Q1 Net Profit ₹183.61 Crore, Total Income ₹2,215.50 CroreBusiness Growth
Gross advances grew by 30% year-on-year and 6% quarter-on-quarter, reaching the ₹50,000 crore milestone. Total deposits also grew by 19% year-on-year and 7% quarter-on-quarter, exceeding ₹50,000 crore.
Disbursements and CASA
Overall disbursements stood at ₹7,450 crore in Q2FY27, up 38% year-on-year and 10% quarter-on-quarter. The CASA Ratio was reported at 26%.
Asset Quality
Gross Non-Performing Assets (NPA) improved by 13 basis points quarter-on-quarter to 2.29% in Q2FY27 from 2.42% in Q1FY27. Net NPA improved by 1 basis point quarter-on-quarter to 0.70% from 0.71% in Q1FY27.
Key Ratios
Return on Assets (ROA) and Return on Equity (ROE) for Q2FY27 were 1.31% and 13.50%, respectively. The net interest margin (NIM) for Q2FY27 stood at 6.69%, declining by 55 basis points quarter-on-quarter.
Equitas Small Finance Bank Announces 12,16,330 Equity Shares As ESOPsCapital and Liquidity
The bank's net worth stood at ₹6,553 crore. As on September 30, 2026, the total Capital to Risk-weighted Assets Ratio (CRAR) was 20.92%, with Tier I capital at 16.35% and Tier II capital at 4.57%. The Liquidity Coverage Ratio was 173.30% on the same date.
Investment Income
Income from investments, including dividend income and net of mark-to-market impact, was ₹27 crore for the quarter.
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