Equitas Small Finance Bank Limited has informed the Exchange regarding 'Business updates for the quarter/year ended March 31,2026'.
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Equitas Small Finance Bank reported strong loan growth in Q4 FY26, with gross advances rising 21.58% YoY to Rs. 46,183 Crore, supported by disbursements of Rs. 7,347 Crore (up 72.19% YoY). Total deposits grew 7.96% YoY to Rs. 46,533 Crore, but CASA deposits fell 5.34% QoQ, pushing the CASA ratio down to 26% from 30%. Microfinance asset quality improved sharply, with 1-90 DPD falling to 1.43% (from 4.34% in Oct-25) and X-bucket collection efficiency rising to 99.71%. Cost of funds declined to 6.93% from 7.54% a year earlier, and the CD ratio stood at 93.69%. The bank noted that credit stress in microfinance has largely stabilized and the worst is behind them.
Positive for shareholders — strong advances growth, improving microfinance asset quality, and falling cost of funds point to better margin and profitability outlook. However, the sharp CASA decline is a concern as it may raise funding costs going forward.