Equitas Small Finance Bank has released its investor presentation for the second quarter and half-year ended September 30, 2026. The presentation covers key highlights, financial performance, asset quality, liabilities, and future outlook. Notable aspects include a 38% YoY growth in overall disbursements and a focus on digital strategy and ESG initiatives.
Equitas Small Finance Bank Presents Q2 FY27 Results
Equitas Small Finance Bank has submitted its investor presentation detailing the unaudited financial results for the quarter and half-year ended September 30, 2026. The comprehensive presentation, titled “FROM RESILIENCE TO MOMENTUM,” offers insights into the bank’s operational and financial achievements.
Key Financial and Operational Highlights
The snapshot section reveals significant operational data, including 16 States and 2 UTs covered, 1,064 Branches, and 402 ATMs. The bank has a workforce of 28,527 employees.
Asset Offerings show Gross Advances at ₹50,669 Cr (up from ₹39,123 Cr), with SBL at 39%, Vehicle Finance at 22%, and Micro Finance at 12%. Disbursements for Q2FY27 reached ₹7,450 Cr. Asset Quality metrics include GNPA at 2.29% and NNPA at 0.70%.
The Liability Profile indicates Total Deposits of ₹52,483 Cr, with CASA at 26%. The Financials section highlights Profit After Tax (PAT) for Q2FY27 at ₹218 Cr, Net Interest Margin (NIM) at 6.69%, Return on Assets (RoA) at 1.31%, and Return on Equity (RoE) at 13.50%.
Strategic Outlook and Guidance
The outlook for FY27 suggests a 25%+ growth in overall advances, driven by cross-product growth. MFI advances are expected to remain around 10% of overall advances. The bank aims for an exit ROA of about 1.5% in Q4FY27. Cost to Income is expected to moderate in H2FY27, and credit costs are anticipated to normalize.
Technological and ESG Focus
The bank is actively pursuing a Technology & Digital Strategy, focusing on areas such as Cyber Security, Cloud & Infrastructure, Data & Analytics, Digital Experience, and Integration. AI-Driven Initiatives are in flight across various banking functions, including Branch-Induced Payments, Cheque Clearing, and Loan Processing.
Furthermore, Equitas emphasizes its commitment to ESG principles through a 3C x ESG Framework. The bank has also outlined its CSR initiatives, covering Children Scholarship, Pavement Dwellers Rehabilitation, Women Empowerment, Differently Abled support, Skill Training, Free Cataract Surgeries, Job Placements, Health Camps, and Transgender Inclusion.
Source: BSE
