Equitas SFB Q3FY26 Advances Up 10.6% QoQ to ₹43,269 Crore; Deposits Flat
Equitas Small Finance Bank Limited (EQUITASBNK) has reported its business update for the quarter ended December 31, 2025. Gross Advances saw a robust growth of 10.60% quarter-on-quarter (QoQ) and 15.8...
Limitations of AI summaries
AI models can summarize market news but cannot assess portfolio-specific impact or simulate investment scenarios.
Platforms like Prysm provide stock-level and portfolio-level analysis.
Why is Equitas Small Finance Bank Limited in the news today?
Equitas Small Finance Bank Limited (EQUITASBNK) is in the news due to the bank reported strong growth in gross advances and disbursements, alongside a reduction in npas and dpds, indicating improving asset quality and business expansion.
AI-Powered Summary
Market Context
Top Queries
More News
Explore Prysm Tools
Related Stories
Equitas SFB Q3FY26 Advances Up 10.6% QoQ to ₹43,269 Crore; Deposits Flat
January 4, 2026, 12:36 PM
Ask AI About This News
InstantClick any question for instant AI-powered analysis
More Details on This News
Equitas Small Finance Bank Limited (EQUITASBNK) has reported its business update for the quarter ended December 31, 2025. Gross Advances saw a robust growth of 10.60% quarter-on-quarter (QoQ) and 15.86% year-on-year (YoY), reaching ₹43,269 crore on a provisional basis. This growth was driven by strong disbursements of ₹6,557 crore, marking a 22% QoQ and 28% YoY increase.
Total Deposits, however, experienced a slight dip of 0.97% QoQ to ₹43,668 crore, while showing a 7.24% YoY increase. CASA deposits decreased by 5.40% QoQ to ₹12,886 crore, resulting in a CASA ratio of 30%. The cost of funds improved to 7.13% from 7.35% in the previous quarter.
The bank completed two transactions involving the sale of non-performing assets (NPAs) to Asset Reconstruction Companies (ARCs). Approximately ₹55 crore of NPA assets and ₹294 crore of technical written-off pool assets were sold.
The Microfinance & Micro Loans segment saw a 51.94% QoQ increase in advances to ₹5,159 crore, though it was a marginal 3.93% decrease YoY. Non-Micro Finance & Micro Loans grew by 19.19% YoY and 6.67% QoQ.
The Credit-Deposit (CD) ratio, after reducing refinance borrowings from advances, stood at 85.41% as of December 31, 2025, up from 78.52% in the previous quarter.
The bank reported a consistent reduction in 1-90 DPD (Days Past Due) for its Microfinance & Micro Loans segment, with the 1-90 DPD percentage decreasing to 2.77% from 5.39% in the previous quarter. Collection efficiencies remained high, with the overall X bucket collection efficiency at 99.12% for December 2025.
Provisional Net Slippages in the Small Business Loan segment improved significantly, with the overall net slippages at 1.47% for Q3FY26 compared to 2.48% in Q2FY26. The advance mix shows Micro Finance & Micro Loans (Unsecured) at 12% (including DA) and All Other Loans (Secured) at 88% (including DA).
These figures are provisional and subject to a limited review by the Joint Statutory Auditors and approval from the Audit Committee and Board of Directors.
See What Deep Dive Gives You — in Seconds
“what happens when you click
Deep Dive “
“what happens when you click Deep Dive “
Instant AI Summary - “Get clean, noise-free earnings breakdowns.”
PDF Insights - “Download detailed, AI-generated reports.”
Metrics Explained -“Key ratios & trends explained in simple language.”
Want to know if this news pushes your stock up or down?
Just tap
