Net profit for the period declined by 968.97% to a loss of ₹223.76 crores in Q1 FY26, from a profit of ₹25.75 crores in Q1 FY25. Net interest income for the quarter decreased year-on-year to a loss of ₹84,662.69 crores from profit of ₹699.46 crores.
About Equitas Small Finance Bank Ltd
Equitas Small Finance Bank (ESFB) is a banking institution. It focuses on serving unbanked and underbanked segments of society through financial inclusion initiatives. The company was founded in 2007 as a microfinance company by P.N. Vasudevan. Later, it transformed into a small finance bank in 2016 after receiving an RBI license. Headquartered in Chennai, Tamil Nadu. ESFB's main products include microloans, vehicle finance, MSE, housing, and corporate loans. It also provides standard banking services. This includes savings accounts, current accounts, and fixed deposits. ESFB operates in the Banking & Financial Services sector. +
The Current prices are delayed, log in for live prices
LOGINOver 1 Month
1.33%
Over 6 Months
-15.65%
Over 1 Year
-8.28%
Over 3 Years
1.82%
Equitas Small Finance Bank Ltd Summary
Close ₹58.70
Open ₹58.40
High ₹59.68
Low ₹58.40
Volume 21,84,677
Net Turnover (in Cr) ₹12.85
52Wk High ₹75.50
52Wk Low ₹50
52Wk High / Low
50
75.50
Equitas Small Finance Bank Ltd Fundamentals
Key Financial Data
Market Cap (in Cr) ₹6,696.03
EPS (TTM) -
Book Value (BV) 51.36
Div. Yield 1.70 %
P/E (TTM) -73.44
Price/Book Value 1.14
Delivery % 53.46 %
Face Value 10
Key Ratios
PE Ratio 42.64
PB Ratio 1.03
EV to Sales 7.28
PEG Ratio -0.52
ROA 1.84
ROE 2.44
Debt-Equity -
Net Profit Margin -
Operating Profit Margin -
Equitas Small Finance Bank Ltd Financials
Profit and Loss
No data available
Balance Sheet
No data available
Cash Flow
No data available
Profit and Loss
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Total Revenue | 7,223.21 | 6,285.07 | 4,831.46 | 3,997.23 | 3,612.47 |
| Total Expenses | 7,024.37 | 5,221.94 | 4,062.65 | 3,619.11 | 3,101.20 |
| Profit Before Tax | 198.85 | 1,063.13 | 768.81 | 378.11 | 511.26 |
| Profit After Tax | 147.05 | 798.96 | 573.59 | 280.73 | 384.22 |
| Operating Profit After Depreciation | 198.85 | 1,063.13 | 768.81 | 378.11 | 511.26 |
Balance Sheet
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Fixed Assets | 530.91 | 536.53 | 337.70 | 189.27 | 184.17 |
| Total Assets | 52,835.63 | 45,303.87 | 34,958.13 | 26,947.62 | 24,708.47 |
| Total Shareholder's Fund | 6,072.52 | 5,968.70 | 5,157.95 | 4,246.17 | 3,396.34 |
Cash Flow
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Net Cash From Operating Activities | 1,936.82 | 3,833.54 | -997.67 | 159.47 | 2,043.94 |
| Net Cash Used In Investing Activities | -238.67 | -359.73 | 49.30 | -89.09 | -42.80 |
| Net Cash Used In Financing Activities | 259.20 | -1,210.22 | 60.11 | -1,316.57 | -1,153.91 |
No data available
| Particulars (in ₹ Cr.) | 2025-09 | 2025-06 | 2025-03 | 2024-12 | 2024-09 |
|---|---|---|---|---|---|
| Total Revenue | - | - | - | - | - |
| Total Expenses | - | - | - | - | - |
| Profit Before Tax | 33.54 | -297.48 | 53.29 | 89.74 | 20.06 |
| Profit After Tax | - | - | - | - | - |
| Operating Profit after Depreciation | - | - | - | - | - |
Equitas Small Finance Bank Ltd Technicals
Support and Resistance
S3 S2 S1 Pivot R1 R2 R3
S1 58.17
S2 57.65
S3 56.89
Pivot 58.93
R1 59.45
R2 60.21
R3 60.73
Moving Average
20 SMA 62.71
50 SMA 59.99
100 SMA 57.97
200 SMA 60.35
Equitas Small Finance Bank Ltd Corporate Actions
Equitas Small Finance Bank Ltd
₹1.0/Share
Announcement Date 09 Aug 2024
Record Date 09 Aug 2024
Div Yield 10%
Equitas Small Finance Bank Ltd Peer Comparison
| Company | Price | Market Cap (in Cr) |
|---|---|---|
| HDFC Bank Ltd | ₹1,000.20 | ₹15,38,558.71 |
| ICICI Bank Ltd | ₹1,366 | ₹9,76,703.07 |
| State Bank of India | ₹962.90 | ₹8,88,816.17 |
| Kotak Mahindra Bank Ltd | ₹2,176.45 | ₹4,32,842.14 |
| Axis Bank Ltd | ₹1,286.30 | ₹3,99,298.73 |
Equitas Small Finance Bank Ltd Top Mutal Funds Invested
| Fund Name | AUM |
|---|---|
| Franklin India Small Cap Fund | 2.28% |
| Nippon India Banking&Financial Services | 1.77% |
| Canara Robeco Small Cap Fund | 1.39% |
| JM Flexicap Fund | 1.29% |
| Franklin India Mid Cap Fund | 1.17% |
Equitas Small Finance Bank Ltd News
Equitas Small Finance Bank appoints Manish Agrawal as President-Finance
With effect from 03 November 2025
03 Nov 2025, 01:28 pm
Equitas Small Finance jumps after strong Q2 performance
Equitas Small Finance Bank jumped 5.44% to Rs 60.07 after the lender reported a sharp recovery in profitability for the September 2025 quarter.
03 Nov 2025, 10:33 am
Equitas Small Finance Bank to table results
On 31 October 2025
18 Oct 2025, 10:25 am
Equitas Small Finance Bank allots 11,501 equity shares
Under ESOP
08 Oct 2025, 08:41 pm
Equitas Small Finance Bank launches Digital Personal Loan offer for salaried professionals
08 Oct 2025, 11:37 am
Equitas Small Finance Bank Ltd Stock Analysis
- Annual revenue for Equitas Small Finance Bank Ltd increased by 14.93% to ₹7,223.21 crore in FY 2025 from ₹6,285.07 crore in FY 2024.
- Annual Net Profit for Equitas Small Finance Bank Ltd decreased by 81.59% to ₹147.05 crore in FY 2025 from ₹798.96 crore in FY 2024.
- Promoter Shareholding in Equitas Small Finance Bank Ltd remains unchanged by 0.00% in the most recent quarter, from 0% in June 2025 to 0% in September 2025.
- Equitas Small Finance Bank Ltd delivered a 1-year return of -8.28% compared to the Nifty 50, which provided a return of 6.10% as of the last trading session.
- Equitas Small Finance Bank Ltd share price moved down by 1.11% from its previous close of INR ₹58.70. The latest Equitas Small Finance Bank Ltd share price is INR ₹58.05.
- Equitas Small Finance Bank Ltd share price today has been at a low of 57.80 and a high of 58.86. Over the past 52 weeks, the Equitas Small Finance Bank Ltd share price has seen a low of 50 and a high of 75.50.
About Equitas Small Finance Bank Ltd
Equitas Small Finance Bank (ESFB) is a new-age banking institution. It has transformed from a microfinance company into a small finance bank. The bank primarily serves the unbanked and underbanked segments of society. This aids by focusing on financial inclusion through various banking products and services.
ESFB operates in the Banking & Financial Services sector, specifically in the Small Finance Bank category. The bank obtained its banking license from the Reserve Bank of India (RBI) in 2016. Additionally, it commenced operations as a small finance bank on September 5, 2016. However, the parent company, Equitas Holdings Limited, was founded in 2007 by P.N. Vasudevan. This makes the organization's overall experience span many years.
The bank's headquarters is located in Chennai, Tamil Nadu. The primary promoter of the bank is Equitas Holdings Limited, which holds a significant stake in the company.
ESFB's main products include microloans, vehicle finance, MSE (Micro and Small Enterprise), housing, and corporate loans. The bank also offers its customers savings accounts, current accounts, fixed deposits, and recurring deposits.
ESFB is a significant player in the small finance bank segment. However, it is not the #1 bank in terms of market capitalization or market share in the small finance banking sector. The domestic shareholding of the company is 43.66%. Among them, the HDFC mutual fund owns a high 7.94% of total shares.
The bank's registered office is located on the 4th Floor, Phase II, Spencer Plaza, No.769, Mount Road, Anna Salai, Chennai - 600002. The Registrar and Transfer Agent for the bank is KFin Technologies Private Limited. The current management includes P.N. Vasudevan as the Managing Director and CEO. The professional board of directors comprises experienced bankers and industry professionals. The other managerial team members include:
Financial Inclusion Impact The bank has made remarkable strides in bringing formal banking services to the unbanked and underbanked populations. Equitas has reached out to millions of customers previously excluded from the formal banking sector. This has helped reduce dependency on informal lending channels and predatory moneylenders, particularly in semi-urban and rural areas.
Micro-enterprise Development One of the bank's most significant influences has been in the micro and small enterprise (MSE) sector. Equitas provides accessible credit and banking solutions to small business owners. Thus, it has helped fuel the growth of numerous micro-enterprises. The bank's understanding of the informal sector and flexible lending approaches has made it a preferred choice for small business owners who often struggle to obtain credit from traditional banks.
Vehicle Finance Revolution In the vehicle finance segment, Equitas has made a notable impact by enabling small transport operators and individual drivers to own their vehicles. This has created sustainable livelihood opportunities for many families and contributed to the growth of the transportation sector at the grassroots level.
Housing Finance Accessibility The bank's housing finance initiatives have helped many low and middle-income families realize their dream of home ownership. Equitas offers affordable housing loans with flexible terms. This results in contributing to the government's vision of "Housing for All" while creating social stability through home ownership.
Digital Banking Innovation Equitas has been at the forefront of digital banking innovation among small finance banks. The bank's digital initiatives have not only improved service delivery but also enhanced financial literacy among its customer base. This digital transformation has made banking services more accessible and convenient for customers who previously found traditional banking intimidating.
Social Impact and Community Development Beyond banking services, Equitas has maintained a strong focus on social development through various initiatives in education, healthcare, and skill development. The bank's holistic approach to community development has created a positive ripple effect in the areas where it operates.
Employment Generation As a growing institution, Equitas has created significant employment opportunities, both direct and indirect. The bank's expansion has led to job creation in banking services, while its lending activities have supported employment generation in various sectors of the economy.
Equitas Small Finance Bank's influence extends far beyond traditional banking metrics. The bank has successfully demonstrated that financial institutions can balance commercial viability with social responsibility. Its impact on financial inclusion, micro-enterprise development, and community welfare has set a benchmark for other banking institutions. As the bank continues to grow and evolve, its innovative approaches and commitment to serving the underserved segments of society position it as a significant catalyst for inclusive growth in India's banking sector. The bank's journey also serves as a testament to the success of the RBI's small finance bank model in promoting financial inclusion and economic development at the grassroots level.
This comprehensive impact across various sectors and communities underscores Equitas Small Finance Bank's role not just as a banking institution but as an agent of positive social change in India's financial landscape.
ESFB operates in the Banking & Financial Services sector, specifically in the Small Finance Bank category. The bank obtained its banking license from the Reserve Bank of India (RBI) in 2016. Additionally, it commenced operations as a small finance bank on September 5, 2016. However, the parent company, Equitas Holdings Limited, was founded in 2007 by P.N. Vasudevan. This makes the organization's overall experience span many years.
The bank's headquarters is located in Chennai, Tamil Nadu. The primary promoter of the bank is Equitas Holdings Limited, which holds a significant stake in the company.
ESFB's main products include microloans, vehicle finance, MSE (Micro and Small Enterprise), housing, and corporate loans. The bank also offers its customers savings accounts, current accounts, fixed deposits, and recurring deposits.
ESFB is a significant player in the small finance bank segment. However, it is not the #1 bank in terms of market capitalization or market share in the small finance banking sector. The domestic shareholding of the company is 43.66%. Among them, the HDFC mutual fund owns a high 7.94% of total shares.
The bank's registered office is located on the 4th Floor, Phase II, Spencer Plaza, No.769, Mount Road, Anna Salai, Chennai - 600002. The Registrar and Transfer Agent for the bank is KFin Technologies Private Limited. The current management includes P.N. Vasudevan as the Managing Director and CEO. The professional board of directors comprises experienced bankers and industry professionals. The other managerial team members include:
- Anil Kumar Sharma
- Ramesh Rangan
- Narayanaswamy Balakrishnan
- Vinod Kumar Sharma
Influence of the Company
Equitas Small Finance Bank has emerged as a significant force in India's financial inclusion landscape since its transformation from a microfinance institution to a small finance bank. The bank's journey represents a compelling story of how institutional banking can effectively merge with social responsibility to create a sustainable impact in underserved communities.Financial Inclusion Impact The bank has made remarkable strides in bringing formal banking services to the unbanked and underbanked populations. Equitas has reached out to millions of customers previously excluded from the formal banking sector. This has helped reduce dependency on informal lending channels and predatory moneylenders, particularly in semi-urban and rural areas.
Micro-enterprise Development One of the bank's most significant influences has been in the micro and small enterprise (MSE) sector. Equitas provides accessible credit and banking solutions to small business owners. Thus, it has helped fuel the growth of numerous micro-enterprises. The bank's understanding of the informal sector and flexible lending approaches has made it a preferred choice for small business owners who often struggle to obtain credit from traditional banks.
Vehicle Finance Revolution In the vehicle finance segment, Equitas has made a notable impact by enabling small transport operators and individual drivers to own their vehicles. This has created sustainable livelihood opportunities for many families and contributed to the growth of the transportation sector at the grassroots level.
Housing Finance Accessibility The bank's housing finance initiatives have helped many low and middle-income families realize their dream of home ownership. Equitas offers affordable housing loans with flexible terms. This results in contributing to the government's vision of "Housing for All" while creating social stability through home ownership.
Digital Banking Innovation Equitas has been at the forefront of digital banking innovation among small finance banks. The bank's digital initiatives have not only improved service delivery but also enhanced financial literacy among its customer base. This digital transformation has made banking services more accessible and convenient for customers who previously found traditional banking intimidating.
Social Impact and Community Development Beyond banking services, Equitas has maintained a strong focus on social development through various initiatives in education, healthcare, and skill development. The bank's holistic approach to community development has created a positive ripple effect in the areas where it operates.
Employment Generation As a growing institution, Equitas has created significant employment opportunities, both direct and indirect. The bank's expansion has led to job creation in banking services, while its lending activities have supported employment generation in various sectors of the economy.
Equitas Small Finance Bank's influence extends far beyond traditional banking metrics. The bank has successfully demonstrated that financial institutions can balance commercial viability with social responsibility. Its impact on financial inclusion, micro-enterprise development, and community welfare has set a benchmark for other banking institutions. As the bank continues to grow and evolve, its innovative approaches and commitment to serving the underserved segments of society position it as a significant catalyst for inclusive growth in India's banking sector. The bank's journey also serves as a testament to the success of the RBI's small finance bank model in promoting financial inclusion and economic development at the grassroots level.
This comprehensive impact across various sectors and communities underscores Equitas Small Finance Bank's role not just as a banking institution but as an agent of positive social change in India's financial landscape.
FAQ’s
What is the share price of Equitas Small Finance Bank Ltd today?
Equitas Small Finance Bank Ltd share price as on 15 Dec 2025 is ₹ 58.05
What is the Market Cap of Equitas Small Finance Bank Ltd?
The market cap of Equitas Small Finance Bank Ltd stock is ₹6,696.03 Cr.
What is the PE Ratio of Equitas Small Finance Bank Ltd?
The Price to Earnings (P/E) Ratio of Equitas Small Finance Bank Ltd is 42.64
What is the PB Ratio of Equitas Small Finance Bank Ltd?
The Price to Book (P/B) Ratio of Equitas Small Finance Bank Ltd is 1.03
What is the 52 week high of Equitas Small Finance Bank Ltd Share Price?
The 52 week high of Equitas Small Finance Bank Ltd share price stands at ₹75.50
What is the 52 week low of Equitas Small Finance Bank Ltd Share Price?
The 52 week low of Equitas Small Finance Bank Ltd share price stands at ₹50
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