Equitas Small Finance Bank Ltd

Equitas Sma. Fin Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Equitas Small Finance Bank Ltd

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equitasbank.com BSE: 543243 NSE: EQUITASBNK
About

Equitas Small Finance Bank Ltd before acquiring small bank license, operated as a wholly-owned subsidiary of Equitas Holding Ltd. The holding entity started its operations in 2007 in the microfinance segment & diversified into vehicle & housing finance in 2011. Also entered into SME & LAP in 2013. It merged with the other two subsidiaries named Equitas Microfinance Ltd & Equitas Housing Finance Ltd & formed a bank. After receiving a license in Sept 2016 the company commenced operations under Equitas small finance Bank. [1] [2]

Key Points

Geographical Diversification
It is present in 18 states & UTs with 964 Banking outlets & 365 ATMs [1] Company has highest number of branches in Tamil Nadu (335), Maharashtra (152), Karnataka (110). Similarly, Company get maximum business from Tamil Nadu (Advances 49%, Deposits 28%), followed by Maharashtra (Advances 15%, Deposits 13%) & Karanataka (Advances 12%, Deposits 9%)[2]

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Pros

Cons

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Industry:

Part of BSE 500 BSE SmallCap BSE Allcap BSE Financial Services BSE 250 SmallCap Index

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Quarterly Results

Figures in Rs. Crores

Interest
Financing Profit
Financing Margin %
Depreciation
Profit before tax
Tax %
EPS in Rs
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

Interest
Financing Profit
Financing Margin %
Depreciation
Profit before tax
Tax %
EPS in Rs
Dividend Payout %
Compounded Sales Growth
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Compounded Profit Growth
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Stock Price CAGR
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Return on Equity
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Balance Sheet

Figures in Rs. Crores

Equity Capital
Reserves
Borrowing
Total Liabilities
CWIP
Investments
Total Assets

Cash Flows

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Net Cash Flow

Ratios

Figures in Rs. Crores

ROE %

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
74.52% 74.50% 74.48% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
4.09% 4.26% 4.08% 22.69% 21.45% 18.16% 19.61% 19.50% 19.65% 16.91% 15.42% 16.47%
15.59% 15.36% 15.34% 42.97% 42.96% 43.93% 45.64% 45.21% 45.42% 43.66% 42.62% 42.70%
5.80% 5.86% 6.09% 34.33% 35.58% 37.91% 34.74% 35.28% 34.93% 39.42% 41.96% 40.82%
No. of Shareholders 1,34,1081,35,5851,35,0123,17,9163,24,1303,62,7513,61,7093,72,3043,81,6824,44,5444,57,3624,48,261

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

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Annual reports

DRHP

Credit ratings

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