Equitas Small Finance Bank Limited has informed the Exchange regarding 'Business updates for the quarter ended December 31,2025'.
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Equitas Small Finance Bank reported Gross Advances of Rs. 43,269 Crore for Q3 FY26, up 10.6% QoQ and 15.86% YoY, supported by strong disbursements of Rs. 6,557 Crore (up 22% QoQ, 28% YoY). Total Deposits stood at Rs. 43,668 Crore, up 7.24% YoY but slightly down 0.97% QoQ, with CASA ratio at 30% and cost of funds improving to 7.13% from 7.49% a year ago. The CD ratio rose sharply to 92.96% from 84.09% in the previous quarter. The bank sold NPAs worth Rs. 55 Crore and a technical written-off pool of Rs. 294 Crore to ARCs. Microfinance asset quality improved notably, with 1-90 DPD falling from 8.45% in April 2025 to 2.77% in December 2025, and collection efficiency rising to 98.99% in Q3 FY26. Net slippages in the Small Business Loan segment also improved, with overall slippages dropping to 1.47% in Q3 from 3.22% in Q1 FY26.
Strong loan growth, improving asset quality in microfinance, and falling slippages in small business loans are positives for the bank. However, a slight QoQ dip in deposits and a higher CD ratio indicate some pressure on funding, which investors should monitor.