Equitas Small Finance Bank Ltd

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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[1][2]
It is present in 18 states & UTs with 1053 banking outlets & 390 ATMs. Company has highest number of branches in Tamil Nadu (348), Maharashtra (158), Karnataka (135). Similarly, Company get maximum business from Tamil Nadu (Advances 44%, Deposits 26%), followed by Maharashtra (Advances 16%, Deposits 19%) & Karanataka (Advances 13%, Deposits 7%)

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Pros

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Peer comparison

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Part of BSE 1000 Nifty Microcap 250 BSE Financial Services BSE MidSmall Private Banks Quality Tilt Nifty Smallcap 500

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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 %
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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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TTM: %
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

Figures in Rs. Crores

Net Cash Flow
Free Cash Flow
CFO/OP

Ratios
ROE %

Insights

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Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Gross Advances
Rs. Crore ・Standalone data

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Gross NPA Ratio
% ・Standalone data
CASA Ratio
% ・Standalone data
Number of Banking Outlets
Number ・Standalone data
Number of Employees
Number ・Standalone data
Total Disbursements
Rs. Crore ・Standalone data
Number of Business Correspondents
Number ・Standalone data

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Shareholding Pattern

Numbers in percentages

1 Recently
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
18.16% 19.61% 19.50% 19.65% 16.91% 15.42% 16.47% 16.30% 15.67% 14.62% 14.74% 15.70%
43.93% 45.64% 45.21% 45.42% 43.66% 42.62% 42.70% 47.13% 48.20% 49.96% 50.87% 51.25%
37.91% 34.74% 35.28% 34.93% 39.42% 41.96% 40.82% 36.57% 36.13% 35.42% 34.38% 33.04%
No. of Shareholders 3,62,7513,61,7093,72,3043,81,6824,44,5444,57,3624,48,2614,33,8204,18,0504,05,8503,85,9713,69,493

* 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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DRHP

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