| Metric | Value (₹ Cr) | Q3 FY26 | Q4 FY25 |
|---|---|---|---|
| Revenue | 1.8K | 8.6% | 11.7% |
| Total Income | 2.1K | 6.0% | 12.3% |
| Expenditure | 1.7K | 1.4% | 8.9% |
| PBT | 278.35 | 144.8% | 422.4% |
| Net Profit | 212.68 | 136.2% | 405.1% |
| OPM | 21.92% | 3.76pp | 2.98pp |
| NPM | 10.13% | 5.59pp | 7.88pp |
| EPS | 1.86 | 135.4% | 402.7% |
Equitas SFB Q4FY26 PAT up 406% YoY to 213 Cr; Advances up 22%
30 Apr 2026 · 30 Apr, 4:30 pm
Summary
Equitas Small Finance Bank Limited announced its audited financial results for Q4FY26 and the full financial year ended March 31, 2026, reporting its highest ever quarterly Profit After Tax (PAT) of ₹213 crore in Q4FY26, a substantial 406% year-on-year increase. For the full financial year, PAT was ₹103 crore. The bank demonstrated strong operational performance with Gross Advances growing by 22% year-on-year and quarterly disbursements reaching a record ₹7,347 crore, up 72% year-on-year. Net Interest Margin (NIM) significantly improved to 7.29% in Q4FY26, while asset quality also strengthened with GNPA reducing to 2.49% and NNPA to 0.68%.
Key Highlights
- 1
Equitas Small Finance Bank reported its highest quarterly Profit After Tax (PAT) of ₹213 crore in Q4FY26, marking a significant growth of 406% year-on-year.
- 2
For the full financial year 2026, the bank's Profit After Tax (PAT) stood at ₹103 crore.
- 3
Gross Advances registered a robust growth of 22% year-on-year and 7% quarter-on-quarter in Q4FY26.
- 4
The bank achieved its highest-ever quarterly disbursements at ₹7,347 crore in Q4FY26, reflecting a strong growth of 72% year-on-year.
- 5
Overall deposits grew by 8% year-on-year, with the CASA ratio maintained at 26% during Q4FY26.
- 6
Asset quality significantly improved with Gross Non-Performing Assets (GNPA) reducing by 13 basis points quarter-on-quarter to 2.49% in Q4FY26.
- 7
The bank's Gold loan portfolio exceeded ₹850 crore during Q4FY26, demonstrating strong performance in a key segment.
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