Equitas Small Finance Bank Reports Financial Results for Quarter Ending June 30, 2026
Equitas Small Finance Bank Limited has released its Unaudited Financial Results for the quarter ended June 30, 2026. The results were approved by the Board of Directors and subjected to limited review by the Joint Statutory Auditors, M/s ASA & Associates LLP and M/s Suri & Co.The bank also confirmed that the issue proceeds from Non-Convertible Debentures (NCDs) have been fully utilized for their intended purposes and that these NCDs are unsecured.
Financial Performance Highlights
For the quarter ended June 30, 2026, Equitas Small Finance Bank recorded specific figures across its income and expenditure lines. Key financial metrics include:| Particular | Quarter Ended June 30, 2026 (Unaudited) (in Lakh) |
|---|---|
| Total Income | 2,21,549.99 |
| Interest Earned | 1,75,487.70 |
| Other Income | 25,510.20 |
| Interest Expended | 93,080.52 |
| Operating Expenses | 87,996.14 |
| Total Expenditure (excluding provisions) | 1,81,076.66 |
| Net Profit from Ordinary Activities after tax | 18,360.69 |
Asset Quality and Ratios
The bank maintains specific metrics regarding its assets and capital strength. Key ratios as of the quarter ending June 30, 2026 are detailed below:| Metric | Value |
|---|---|
| Capital Adequacy Ratio (%) | 19.44% |
| Gross NPAs (in Lakh) | 1,10,038.62 |
| Net NPAs (in Lakh) | 31,893.59 |
| % of Gross NPA to Gross Advances | 2.42% |
| Debt-Equity Ratio | 0.74 |
Proceeds Utilization and Security Status
The bank confirmed that the issue proceeds from Non-Convertible Debentures (NCDs) have been fully utilized against their intended objects, with no material deviation reported in the use of funds. This status applies to two separate issuances: one dated December 05, 2024 (Amount Raised: Rs. 500 Crores), and another dated July 31, 2025 (Amount Raised: Rs. 500 Crores).In terms of security cover requirements, the bank confirmed that the Non-Convertible Securities issued to the extent of Rs. 500 crores as of December 05, 2024 and Rs. 500 crores as of July 31, 2025 are unsecured.
Segment Reporting Overview
The operations of the bank were reported across several segments, including Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations. The total income from these operations stood at 2,21,549.99 Lakh for the quarter ended June 30, 2026.Segment results before tax showed an operating profit of 24,407.30 Lakh for Treasury. Retail Banking generated 20,912.54 Lakh in profit before tax.
Key figures relating to loan transfers also provided context:
| Metric | Amount/Percentage |
|---|---|
| Aggregate amount of loans transferred (in Lakh) | 52,029.73 |
| Tangible security coverage (%) | 100% |
EQUITASBNK Stock Price Movement
As of 2:59 PM, Equitas Small Finance Bank Limited stock sheds value in live trading, dropping 2.39% as it trades at ₹77.11. The shares have seen robust activity so far today, with nearly 6 million traded during the current market session.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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