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An announcement from Equitas Small Finance Bank Ltd. ( (IN:EQUITASBNK) ) is now available.
Equitas Small Finance Bank reported a strong expansion in lending for the quarter ended 31 December 2025, with gross advances rising 10.6% sequentially and 15.9% year-on-year to Rs 43,269 crore, driven by robust disbursements of Rs 6,557 crore and healthy growth in both micro and non-micro portfolios. While total deposits were broadly stable at Rs 43,668 crore with a marginal 0.97% decline quarter-on-quarter, the bank’s cost of funds continued to ease to 7.13%, and its credit-deposit ratio climbed sharply to 92.96%, indicating a more aggressively deployed balance sheet. The lender undertook balance sheet clean-up through the sale of around Rs 55 crore of NPAs and Rs 294 crore of technically written-off assets to asset reconstruction companies, even as asset quality indicators in its microfinance and micro loan book showed marked improvement, with 1–90 days past due falling to 2.77% and collection efficiency holding near 99% across key states. Fresh overdue formation in the microfinance and micro loan segment declined sharply, and slippages in the small business loan portfolio, particularly in Karnataka, moderated during the quarter, signalling easing stress levels and a potentially lower credit cost trajectory for stakeholders.
More about Equitas Small Finance Bank Ltd.
Equitas Small Finance Bank Ltd. is an Indian small finance bank focused on lending to underserved and emerging customer segments, including microfinance, micro loans and small business loans, while also mobilising retail deposits such as CASA and term deposits. The bank operates across multiple states with a notable presence in southern India, particularly Tamil Nadu and Karnataka, and positions itself as a mass-market lender with an emphasis on financial inclusion and granular retail assets.
Average Trading Volume: 279,808
Technical Sentiment Signal: Hold
Current Market Cap: 73.13B INR
Learn more about EQUITASBNK stock on TipRanks’ Stock Analysis page.