Chennai, August 11, 2025 – The Board of Directors of Equitas Small Finance Bank Limited (ESFB) today approved the unaudited financial results for the quarter ended June 30, 2025. While the bank posted healthy growth in advances and deposits, profitability was impacted due to one-time provisions of ₹330 crore during the quarter.
Key Q1FY26 Highlights
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Advances grew 8% YoY, supported by 18% growth in Non-MFI advances.
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Deposits grew 18% YoY; Retail Term Deposits rose 20% YoY to ₹19,354 crore.
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PAT impacted by one-time provisions of ₹185 crore for Microfinance standard assets and ₹145 crore for NPAs due to revised provisioning norms.
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Secured loans form 91% of total advances.
Business Performance
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Vehicle Finance portfolio crossed ₹9,500 crore.
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Used Car Advances surpassed ₹2,000 crore, up 50% YoY.
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Used CV Advances grew 26% YoY.
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CASA ratio stable at 29%; Current Account balances rose 92% YoY.
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NIM for the quarter at 6.55%.
Capital & Liquidity Position
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Networth at ₹5,849 crore.
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CRAR at 20.48% (Tier I: 17.16%, Tier II: 3.32%) as of June 30, 2025.
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Tier II capital raise of ₹500 crore in July 2025 expected to boost CAR by ~1.7%.
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LCR at 209.5%; CD programme rated A1+ by leading agencies.
Profitability & Asset Quality
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Net Income up 8% YoY; Opex up 16% YoY.
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Reported Net Loss of ₹224 crore due to one-time provisions.
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GNPA improved to 2.82% (down 7 bps QoQ); NNPA improved to 0.95% (down 3 bps QoQ).
About Equitas Small Finance Bank
Equitas Small Finance Bank is one of India’s largest small finance banks, focused on providing credit to the unbanked and underbanked, alongside a comprehensive range of banking services for individuals, SMEs, corporates, and mass affluent customers.
🌐 Website: ir.equitasbank.com
📩 Investor Relations: ir@equitasbank.com
