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Equitas Small Finance Bank
Equitas Small Finance Bank (EQUITASBNK) investor relations material
Equitas Small Finance Bank Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary30 Jan, 2026
Executive summary
Achieved highest ever quarterly disbursements at Rs. 6,557 Cr in Q3FY26, up 28% YoY and 22% QoQ, with robust growth in both MFI and non-MFI segments.
Gross advances rose 16% YoY to Rs. 43,268 Cr, with strong growth in housing, MSE, and gold loans.
Net profit (PAT) for Q3FY26 was Rs. 90 Cr, up 36% YoY and 273% QoQ, despite a one-time provision of Rs. 29.52 Cr for new labor code implementation.
Initiatives in microfinance, new customer acquisition, and improved lending discipline led to significant performance improvements, with ex-bucket collection efficiency at 99.4% in December and a sharp reversal in NPA slippages.
Unaudited financial results for the quarter and nine months ended December 31, 2025, were approved by the Board and reviewed by statutory auditors with an unmodified report.
Financial highlights
Net interest income for Q3 FY26 was INR 852 crore; other income was INR 285 crore, totaling INR 1,137 crore (up 8% YoY, 14% QoQ).
PAT stood at INR 90 crore, up 36% YoY and 273% QoQ, after a one-time INR 29.5 crore labor law provision.
NIM improved 43 bps QoQ to 6.72%.
Gross NPA reduced 20 bps QoQ to 2.62%; Net NPA down 7 bps to 0.88%.
Credit cost declined to 1.88% from 2.16% QoQ and 2.65% YoY.
Total income for the quarter ended December 31, 2025, was ₹1,98,113.42 lakh, up from ₹1,84,629.26 lakh in the previous quarter.
Operating profit before provisions and contingencies for the quarter was ₹30,717.96 lakh.
Outlook and guidance
Guided for 1% exit ROA in Q4 FY26 and 1.5% exit ROA for Q4 FY27.
Advances growth target of 15% for FY26 (excluding DA), with historical growth rates of 20-25% expected to resume in FY27.
Credit cost expected to further decline, with Q4 FY26 below 1.5% and FY27 in the 1.5-1.7% range.
NIM expected to remain stable or marginally improve, supported by lower cost of funds and stable MFI mix.
The impact of new labour codes has been provisioned, with further assessment pending final rules and industry practices.
Explain the significant rise in provisions
Why is Wholesale Banking segment unprofitable
Detail the impact of NPA sales to ARCs
Capital raise deferral timeline?
Key drivers for NIM expansion?
SBL asset quality management with 27% PCR?
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Next Equitas Small Finance Bank earnings date
Q4 25/2630 Apr, 2026
Equitas Small Finance Bank
Next Equitas Small Finance Bank earnings date
Q4 25/2630 Apr, 2026
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