Equitas Small Finance Bank Q4FY26 Advances Grow 21.58% YoY to ₹46,183 Crore
Equitas Small Finance Bank reported Q4FY26 Gross Advances of ₹46,183 Crore, up 21.58% YoY. Disbursements rose 72.19% YoY to ₹7,347 Crore. Total deposits reached ₹46,533 Crore. The 1-90 DPD for Microfinance loans improved to 1.43%, and X-bucket collection efficiency was 99.71%.
The business update provides key financial metrics and operational performance indicators for the quarter, which are important for investors to assess the bank's growth and asset quality.
The announcement shows strong growth in advances and disbursements, along with improving asset quality and collection efficiencies, indicating positive business performance.
Equitas Small Finance Bank Limited has reported a business update for the quarter and year ended March 31, 2026. Gross Advances grew by 21.58% year-on-year (YoY) and 6.74% quarter-on-quarter (QoQ) to ₹46,183 Crore as of March 31, 2026. This growth was driven by robust disbursements of ₹7,347 Crore, marking a 12.05% QoQ and 72.19% YoY increase.
The bank's total deposits stood at ₹46,533 Crore as of March 31, 2026, showing a 7.96% YoY and 6.56% QoQ increase. The CASA ratio was 26%, with a Cost of Funds at 6.93% for the quarter.
The Microfinance & Micro Loans segment showed improved asset quality, with the 1-90 Days Past Due (DPD) reducing to 1.43% from 4.34% in October 2025. The X-bucket collection efficiency in this segment reached 99.71% for Q4FY26, indicating stabilization of credit stress.
The CD Ratio (including Refinance borrowings) stood at 93.69% as of March 31, 2026, compared to 92.96% in December 2025. The CD Ratio excluding Refinance borrowings was 83.44%.
These figures are provisional and subject to audit and board approval.
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