Equitas Small Finance Bank Performance Analyzed
Equitas Small Finance Bank is doing well! In the last few months, the bank has seen a significant increase in the money people are saving with them. Specifically, the total amount of deposits grew by 7.24% to reach Rs 43,668 crore as of December 31, 2025. This is a lot of extra money the bank can use to make loans.
Key Points
- Strong deposit growth: 7.24% increase to Rs 43,668 crore.
- Improved CASA ratio: 30% rise to Rs 12,886 crore.
- Loan growth: Advances increased 15.86% to Rs 43,269 crore.
- Better collections: DPD ratios improved significantly across the board.
- NPA Reduction: Bank successfully sold NPAs totaling Rs 84 crore.
- Profitability Up: Profit after tax increased 87% to Rs 24 crore.
The bank’s ‘CASA’ – which stands for Current Account and Savings Account – also jumped up by 10.62% to Rs 12,886 crore. CASA is important because it means more people are keeping their money with the bank, and the bank can easily lend that money out.
The bank also gave out more loans – a total of Rs 43,269 crore. This is an increase of 15.86% compared to the same time last year. This shows people are trusting Equitas to lend them money for things like buying a house or starting a business.
Here’s the good news: the bank is getting better at collecting money back from loans. The amount of loans that are overdue (DPD – Days Past Due) has gone down. They’ve sold off some bad loans, and those loans they still hold are being paid back more reliably.
The bank sold off non-performing assets (NPAs) worth approximately Rs 55 crore to an Asset Reconstruction Company (ARC). They also sold off a larger amount – Rs 294 crore – of loans that were considered completely unrecoverable (technically written-off) to another ARC. These sales are a smart way to clean up the bank’s balance sheet.
Equitas Small Finance Bank is one of the biggest small banks in India. They made a profit of Rs 24 crore in the last quarter, which is 87% more than they made in the previous quarter. Even though their income from lending money (Net Interest Income) decreased slightly, their overall profits are rising.
It’s great news for Equitas Small Finance Bank as they show signs of stronger growth and improved asset quality.
