Equitas Small Finance Bank Limited — PPTs, 29-01-2026: Investor Presentation

Equitas Small Finance Bank delivered a strong Q3FY26. Net Profit jumped 36% year-on-year to Rs. 90 Cr, alongside robust Gross Advances growth of 16% YoY to Rs. 43,268 Cr. Total Disbursements hit a record Rs. 6,557 Cr (+28% YoY), with Non-MFI segments like Housing Finance (+17%), MSE (+35%), and Gold Loans (+110%) driving impressive portfolio expansion, including MSE crossing Rs. 2,000 Cr and Gold loans Rs. 500 Cr. Total Deposits grew 7% YoY to Rs. 43,668 Cr. Asset quality significantly improved, with Gross NPAs falling to 2.62% and Net NPAs to 0.88%. Net Interest Margin expanded to 6.72%, while Cost of Funds decreased to 7.13%.

Strategies focus on re-energizing Microfinance with new customer acquisition and monthly repayments, while expanding secured loans like SBL and Vehicle Finance (used segments). The bank is enhancing digital platforms (Mobile App 2.0, Insta Banking) and optimizing deposit costs via its Liability 2.0 strategy.

Management expects declining cost of funds and credit costs, with MFI profitability normalizing. They project an exit RoA of ~1% by Q4FY26, targeting mid-teen advances growth (around 15%) for FY26 and sustained ~20% beyond.