Equitas SFB Q2FY27 PAT Surges 803% YoY to ₹218 Cr; Total Business Crosses ₹1 Lakh Crore
Equitas Small Finance Bank reported its highest quarterly PAT of ₹218 Cr in Q2FY27, an 803% YoY increase. Total business crossed ₹1 Lakh Crore. Gross advances grew 30% YoY to over ₹50,000 Cr, and deposits grew 19% YoY to over ₹50,000 Cr. NIM stood at 6.69%.
The substantial PAT growth, crossing of the ₹1 Lakh Crore business milestone, and strong advances growth are material positive developments for the bank and its stakeholders.
The bank reported significant year-on-year growth in PAT, crossed key business milestones, and showed improvements in asset quality, indicating strong financial performance.
Equitas Small Finance Bank Limited announced its unaudited financial results for the quarter and half-year ended September 30, 2026. The bank reported its highest-ever quarterly Profit After Tax (PAT) of ₹218 crore for Q2FY27, marking an impressive year-on-year growth of 803% and a 19% increase quarter-on-quarter.
Total business for the bank crossed the significant milestone of ₹1 Lakh Crore in Q2FY27. Gross advances grew by 30% year-on-year and 6% quarter-on-quarter, surpassing ₹50,000 crore. Total Deposits also grew by 19% year-on-year and 7% quarter-on-quarter, reaching over ₹50,000 crore. Overall disbursements stood at ₹7,450 crore in Q2FY27, a 38% increase year-on-year.
Profitability metrics showed a Net Interest Margin (NIM) of 6.69% for Q2FY27, although it declined by 55 bps quarter-on-quarter. The cost-to-income ratio was 69.36%. Asset quality improved with Gross NPA decreasing by 13 bps quarter-on-quarter to 2.29% and Net NPA improving by 1 bps to 0.70%. The provision coverage ratio remained stable at 70.08% (86.73% including technical write-offs). Credit cost declined to 0.94% for the quarter.
As of September 30, 2026, the bank's net worth stood at ₹6,553 crore. The total CRAR was 20.92%, with Tier I capital at 16.35%. The Liquidity Coverage Ratio was 173.30%.
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