Equitas Small Finance Bank Ltd
Equitas Small Finance Bank Limited has informed the Exchanges regarding the consideration and approval of Unaudited financial results for the quarter ended June 30,2026
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 28 Jul 2026, 02:59 PM IST · BSE ID: 26f90da0-500f-4840-9888-724bcc84580e
View Original BSE Filing (PDF)
💡
In Simple Terms
Equitas Small Finance Bank reported its latest quarterly financial results, showing a net profit of Rs. 18,360.69 Lakh.
🤖 AI Summary
- Equitas Small Finance Bank Board approved unaudited Q1 FY27 financial results on July 28, 2026.
- Net Profit for the quarter ended June 30, 2026, was Rs. 18,360.69 Lakh.
- Gross NPA to Gross Advances decreased to 2.42% as of June 30, 2026.
- Capital Adequacy Ratio stood at 19.44% for the quarter ended June 30, 2026.
- Non-Convertible Debenture (NCD) proceeds of Rs. 1,000 crores were fully utilized for intended purposes.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net Profit/(Loss) for the Period/Year
18,360.69 Lakh
Not comparable — limited prior period data.
Interest Earned
1,96,039.79 Lakh
18.96%
Total Income
2,21,549.99 Lakh
14.17%
% of Gross NPA to Gross Advances
2.42%
Not comparable — limited prior period data.
Capital Adequacy Ratio
19.44%
Not comparable — limited prior period data.
🏢 How This Affects the Company
Retail Banking segment revenue increased to Rs. 1,92,010.01 Lakh for Q1 FY27 from Rs. 1,55,791.39 Lakh in Q1 FY26, indicating growth in its core business operations.
Net Profit from ordinary activities after tax was Rs. 18,360.69 Lakh for the quarter, compared to a net loss of Rs. (22,376.33) Lakh in the prior year's comparable quarter.
The bank allotted 26,78,746 equity shares during the quarter pursuant to employee stock option scheme exercises, affecting capital structure.
Gross NPA to Gross Advances improved to 2.42% from 2.92% YoY, indicating a reduction in credit risk for the bank's loan portfolio.
👥 What This Means For Shareholders
✅
Action Required
No immediate action is required from shareholders based on this financial results filing.
👤
Who Is Affected
All shareholders are affected by the bank's financial performance, specifically the reported Net Profit of Rs. 18,360.69 Lakh and the Capital Adequacy Ratio of 19.44%.
🔍
Management Signal
The Board's approval of the unaudited financial results and the consistent utilization of NCD proceeds for their stated purpose signal ongoing financial management and operational transparency.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 financial results — check for sustained profitability and asset quality trends.
RBI regulatory updates — monitor any new guidelines affecting Small Finance Banks.
Growth in Retail Banking segment — observe revenue and asset expansion in subsequent quarters.
LOW RISK
The bank returned to profitability and improved asset quality indicators (NPA percentages).
💡 Investor Takeaway
Equitas Small Finance Bank reported a Net Profit of Rs. 18,360.69 Lakh for the quarter ended June 30, 2026, a substantial improvement from a net loss of Rs. (22,376.33) Lakh YoY. Gross NPA to Gross Advances decreased to 2.42% from 2.92% in the prior year.
⚖️ Strengths & Concerns
✅ Positives
- Net Profit was Rs. 18,360.69 Lakh for Q1 FY27, a significant turnaround from a net loss of Rs. (22,376.33) Lakh in Q1 FY26.
- Gross NPA to Gross Advances decreased to 2.42% in Q1 FY27 from 2.92% in Q1 FY26, showing asset quality improvement.
⚠️ Concerns
- Provisions (other than tax) and Contingencies increased to Rs. 16,066.03 Lakh in Q1 FY27 from Rs. 12,410.95 Lakh in Q4 FY26.
- Treasury segment results decreased to Rs. 3,850.60 Lakh in Q1 FY27 from Rs. 12,071.86 Lakh in Q1 FY26.
📅 Company Track Record
A past filing on July 17, 2026, informed about the Board meeting scheduled for July 28, 2026, to consider Q1 FY27 financial results. The current filing confirms the approval of these results.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Equitas Small Finance Bank's Net Profit for the quarter ended June 30, 2026?
Equitas Small Finance Bank reported a Net Profit of Rs. 18,360.69 Lakh for the quarter ended June 30, 2026.
What is the Gross NPA percentage for Equitas Small Finance Bank as of June 30, 2026?
As of June 30, 2026, the % of Gross NPA to Gross Advances for Equitas Small Finance Bank was 2.42%.
What was Equitas Small Finance Bank's Capital Adequacy Ratio in Q1 FY27?
Equitas Small Finance Bank's Capital Adequacy Ratio (Basel-II) for the quarter ended June 30, 2026, was 19.44%.
How were the proceeds from Non-Convertible Debentures (NCDs) utilized by Equitas Small Finance Bank?
The issue proceeds of NCDs amounting to Rs. 500 crores (as of Dec 05, 2024) and Rs. 500 crores (as of July 31, 2025) were fully utilized for the intended purpose with no material deviation.
Questions based on this BSE filing only. For information purposes.