Equitas Small Finance Bank Announces Unaudited Financial Results for Q2FY26
Equitas Small Finance Bank announced Q2FY26 results with 9% YoY growth in Gross Advances and PAT of ₹24 crore against a loss of ₹224 crore in Q1FY26.
The results indicate a stable and growing financial position for the bank, which is likely to have a moderate positive impact on investor confidence.
The announcement highlights positive growth in gross advances, deposits, and a significant improvement in PAT compared to the previous quarter, indicating a positive financial performance.
* Equitas Small Finance Bank's Board approved the unaudited financial results for the quarter and half-year ended September 30, 2025. * Gross Advances grew by 9% YoY and 4% QoQ. * Secured Small Business Loan (SBL) portfolio crossed ₹17,000 crore, a growth of 17% YoY. * Deposits grew by 11% YoY, with Retail Term Deposits up by 11% YoY to ₹19,272 crore. * Used Car Advances crossed ₹2,100 crore, up 43% YoY; Used CV Advances crossed ₹5,000 crore, up 25% YoY. * The bank sold NPA assets (Secured Portfolio) of approximately ₹216 crore to an Asset Reconstruction Company. * CASA ratio stable at 31%. * NIM for the quarter stood at 6.29%. * Cost to Income was 75.89% in Q2FY26 compared to 70.62% in Q1FY26 and 66.09% in Q2FY25. * The bank's Net worth stands at ₹5,858 crore. * Total CRAR as of September 30, 2025, was 20.74%, with Tier I at 16.44% and Tier II at 4.30%. * Income from Investments (including MTM & dividend) for the quarter is ₹34 Crore. * The bank reported a PAT of ₹24 crore for Q2FY26, against a loss of ₹224 crore in Q1FY26. * GNPA remains flat QoQ at 2.82% in Q2FY26. * NNPA remains flat QoQ at 0.95% in Q2FY26. * Credit Cost significantly improved to 2.16% in Q2FY26 from 6.48% in Q1FY26. * Net Slippages improved by ~1% QoQ to 3.78% in Q2FY26 from 4.77% in Q1FY26.
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Equitas Small Finance Bank Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it medium impact: worth reading, rarely worth acting on by itself.
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See the model portfoliosA plain-language summary of a public exchange filing by Equitas Small Finance Bank Limited. Read the original for the full detail.