Equitas Small Finance Bank Limited has informed the Exchange regarding a press release dated April 30, 2026, titled "Audited financial results for the quarter and year ended March 31, 2026".
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Equitas Small Finance Bank reported its highest-ever quarterly profit of Rs. 213 crore in Q4FY26, up 406% year-on-year, though full-year FY26 PAT was modest at Rs. 103 crore. Gross advances grew 22% YoY to strong disbursements of Rs. 7,347 crore (up 72% YoY), and deposits rose 8% YoY with CASA at 26%. Net Interest Margin improved 57 basis points QoQ to 7.29%, while cost-to-income ratio fell to 67.52% from 72.96% the previous quarter. Asset quality strengthened, with GNPA declining to 2.49% and NNPA to 0.68%, and credit cost dropped sharply to 1.11%. The bank is well-capitalised with CRAR at 20.31% and networth of Rs. 6,125 crore.
Strong quarterly performance with record PAT, improving margins, and better asset quality signals a healthy turnaround for shareholders. However, the low full-year PAT of Rs. 103 crore suggests Q4 earnings were heavily boosted by one-time or seasonal factors, warranting cautious optimism.