Equitas Small Finance Bank Q4FY26 PAT Surges 406% YoY to ₹213 Crore
Equitas Small Finance Bank reported its highest quarterly PAT of ₹213 crore for Q4FY26, a 406% YoY increase. FY26 PAT was ₹103 crore. Gross Advances grew 22% YoY to ₹7,347 crore, and deposits grew 8% YoY. GNPA reduced to 2.49% and NNPA to 0.68%.
The substantial increase in PAT (406% YoY), record disbursements, and significant improvements in key financial ratios and asset quality are material developments that are likely to have a high positive impact on investor sentiment and the bank's valuation.
The announcement details significant year-on-year growth in Profit After Tax (PAT), Gross Advances, and Disbursements, along with improvements in asset quality metrics like GNPA and NNPA, and a reduction in Credit Cost. These financial and operational improvements indicate a strong positive performance.
Equitas Small Finance Bank Limited announced its audited financial results for the quarter and financial year ended March 31, 2026. The bank achieved its highest quarterly Profit After Tax (PAT) of ₹213 crore, marking a significant year-on-year growth of 406% and a quarter-on-quarter growth of 136%. For the full financial year FY26, the PAT stood at ₹103 crore.
The bank reported strong performance in its loan portfolio, with Gross Advances growing by 22% year-on-year and 7% quarter-on-quarter. The Non-MFI book saw a 21% YoY increase, driven by growth in Housing Finance (21%), MSE (24%), and Gold Loans (180%). The Gold loan portfolio alone surpassed ₹850 crore during the quarter. Overall disbursements reached a record high of ₹7,347 crore in Q4FY26, a 72% YoY and 12% QoQ increase.
Deposits grew by 8% year-on-year, with the CASA ratio maintained at 26%. The Cost of Funds saw a reduction of 19 basis points to 6.94% in Q4FY26. The Net Interest Margin (NIM) for the quarter was reported at 7.29%, an improvement of approximately 57 basis points QoQ. The Cost to Income ratio improved to 67.52% in Q4FY26 from 72.96% in Q3FY26.
Asset quality showed improvement, with Gross Non-Performing Assets (GNPA) reducing by 13 basis points QoQ to 2.49% and Net Non-Performing Assets (NNPA) decreasing by 20 basis points QoQ to 0.68%. Credit Cost significantly declined to 1.11% in Q4FY26. The bank's Net Worth stands at ₹6,125 crore, with a Total CRAR of 20.31%. The Liquidity Coverage Ratio (LCR) was 160.93% as of March 31, 2026.
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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.