Equitas Small Finance Bank Completes Q4FY26 Results Publication
May 02, 2026
Equitas Small Finance Bank published its audited Q4FY26 financial results in Financial Express on May 1, 2026, and in Makkal Kural on May 2, 2026. The bank reported exceptional quarterly performance with net profit surging 405% YoY to ₹2,126.83 crore, while annual FY26 net profit declined 29.91% to ₹1,030.83 crore. Asset quality improved with gross NPA at 2.60% and net NPA at 0.72%.
Equitas Small Finance Bank Limited has completed the publication of its audited financial results for the quarter and year ended March 31, 2026, fulfilling all regulatory requirements. The Chennai-based small finance bank demonstrated remarkable resilience in its fourth-quarter performance while facing challenges in overall annual profitability.
Regulatory Compliance and Publication Details
The bank fulfilled its regulatory obligations by publishing the audited financial results in Financial Express across all editions on May 1, 2026. In continuation of this intimation, Company Secretary N Ramanathan confirmed that the vernacular language publication in Makkal Kural (all editions) was completed on May 2, 2026. The Tamil publication had been delayed due to the Labour Day holiday on May 1. The results were approved by the Board on April 30, 2026.
Publication Details Information English Publication Date May 1, 2026 Newspaper Financial Express (all editions) Tamil Publication Date May 2, 2026 Tamil Newspaper Makkal Kural (all editions) Board Approval Date April 30, 2026
Exceptional Quarterly Performance Drives Recovery
The bank delivered outstanding quarterly results with net profit surging dramatically year-on-year. The fourth quarter performance marked a substantial improvement in profitability metrics, with net profit reaching ₹2.13 billion compared to ₹421 million in the corresponding quarter of the previous year.
Metric Q4 FY26 Q4 FY25 YoY Change Net Profit ₹21,268.29 lakh ₹4,210.77 lakh +405.03% Total Income ₹2,09,980.77 lakh ₹1,86,941.57 lakh +12.32% Interest Earned ₹1,83,634.90 lakh ₹1,64,397.05 lakh +11.71% Operating Profit ₹40,245.85 lakh ₹31,129.89 lakh +29.28%
Improved Asset Quality Metrics
The bank showed significant improvement in asset quality on a quarter-on-quarter basis. Both gross and net NPA ratios declined, indicating enhanced credit management and recovery efforts.
NPA Indicator Q4 FY26 Q3 FY26 QoQ Change Gross NPA Ratio 2.60% 2.75% -15 bps Net NPA Ratio 0.72% 0.92% -20 bps
Annual Results Show Decline Despite Income Growth
While quarterly performance was robust, the bank's annual results reflected challenges with profitability declining compared to the previous financial year. Total income for FY26 grew substantially, but higher provisions and expenses impacted bottom-line performance.
Parameter FY26 FY25 Change Net Profit ₹10,308.28 lakh ₹14,704.99 lakh -29.91% Total Income ₹7,86,778.43 lakh ₹7,22,321.41 lakh +8.93% Interest Earned ₹6,79,423.71 lakh ₹6,31,172.50 lakh +7.64% Provisions ₹1,13,683.57 lakh ₹1,13,541.81 lakh +0.12%
Capital Position and Business Growth
The bank maintained strong capital adequacy while showing improvement in key financial metrics. The capital adequacy ratio remained robust at 20.31%, providing adequate buffer for future growth.
Indicator March 31, 2026 March 31, 2025 Capital Adequacy Ratio 20.31% 20.60% Return on Assets 0.18% 0.30% Total Assets ₹60,61,035.84 lakh ₹52,83,563.44 lakh Advances Portfolio ₹42,75,128.76 lakh ₹36,20,888.81 lakh
The audited results received an unmodified opinion from joint statutory auditors M/s. ASA & Associates LLP and M/s. Suri & Co. The bank continues to focus on its core banking operations while maintaining regulatory compliance and capital adequacy requirements. The results are available on the bank's website and stock exchange portals for stakeholder access.
Equitas Small Finance Bank Limited conducted its quarterly earnings call on May 02, 2026, to discuss the audited financial results for the quarter and financial year ended March 31, 2026. The call was held at 11:00 A.M. and addressed the bank's performance for Q4FY26.
Regulatory Compliance and Documentation
In compliance with Regulations 30 & 46 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015, the bank has provided stakeholders with access to the earnings call proceedings. This follows the bank's earlier intimation dated April 15, 2026, regarding the scheduled earnings announcement.
Call Details: Information Date: May 02, 2026 Time: 11:00 A.M. Purpose: Q4FY26 & FY26 Results Discussion Audio Link: Available on IR Website
Accessibility and Transparency
The bank has made the audio recording of the earnings call available on its investor relations website at the provided web link. This ensures transparency and allows stakeholders who could not participate in the live session to access the complete discussion regarding the bank's financial performance.
As per standard regulatory practice, Equitas Small Finance Bank will make the complete transcript of the earnings call available within five working days on its official website. This transcript will provide detailed documentation of all discussions, questions, and responses shared during the call.
Corporate Communication
The earnings call notification was signed by N Ramanathan, Company Secretary of Equitas Small Finance Bank Limited. The bank maintains its corporate headquarters at Spencer Plaza, Mount Road, Anna Salai, Chennai, Tamil Nadu, and continues to operate under its mission of contributing towards a better society through its banking services.
The bank's commitment to regulatory compliance and stakeholder communication reflects its dedication to maintaining transparency in its financial reporting and corporate governance practices.
We’re building Scanx - to help you express your trading & investing idea, to help you analyse the markets better.
Stock Markets are the true indicator of the growth of any country's economy. We are bullish on India, we are bullish on India's prospects to be one of largest economies of the world. We believe that Stock Markets provide an unique opportunity for all Indians to participate in the growth story of India. We are enabling the same for Indians.
As financial services are becoming more accessible, there is now a large set of Indians today who are financially aware and literate. They value time and seek high quality products & services. Most screening, trading, investing platforms available today are more or less similar to each other, and they have not evolved with time. While both traders & investors have gotten smart about how they make money and build wealth, as users they have continued to use the same products, features, and platforms that were available for years with little or no innovation. We plan to change that - a technology-led platform built for super traders and long term investors.
Regulatory Compliance and Publication Details
The bank fulfilled its regulatory obligations by publishing the audited financial results in Financial Express across all editions on May 1, 2026. In continuation of this intimation, Company Secretary N Ramanathan confirmed that the vernacular language publication in Makkal Kural (all editions) was completed on May 2, 2026. The Tamil publication had been delayed due to the Labour Day holiday on May 1. The results were approved by the Board on April 30, 2026.
Publication Details Information English Publication Date May 1, 2026 Newspaper Financial Express (all editions) Tamil Publication Date May 2, 2026 Tamil Newspaper Makkal Kural (all editions) Board Approval Date April 30, 2026
Exceptional Quarterly Performance Drives Recovery
The bank delivered outstanding quarterly results with net profit surging dramatically year-on-year. The fourth quarter performance marked a substantial improvement in profitability metrics, with net profit reaching ₹2.13 billion compared to ₹421 million in the corresponding quarter of the previous year.
Metric Q4 FY26 Q4 FY25 YoY Change Net Profit ₹21,268.29 lakh ₹4,210.77 lakh +405.03% Total Income ₹2,09,980.77 lakh ₹1,86,941.57 lakh +12.32% Interest Earned ₹1,83,634.90 lakh ₹1,64,397.05 lakh +11.71% Operating Profit ₹40,245.85 lakh ₹31,129.89 lakh +29.28%
Improved Asset Quality Metrics
The bank showed significant improvement in asset quality on a quarter-on-quarter basis. Both gross and net NPA ratios declined, indicating enhanced credit management and recovery efforts.
NPA Indicator Q4 FY26 Q3 FY26 QoQ Change Gross NPA Ratio 2.60% 2.75% -15 bps Net NPA Ratio 0.72% 0.92% -20 bps
Annual Results Show Decline Despite Income Growth
While quarterly performance was robust, the bank's annual results reflected challenges with profitability declining compared to the previous financial year. Total income for FY26 grew substantially, but higher provisions and expenses impacted bottom-line performance.
Parameter FY26 FY25 Change Net Profit ₹10,308.28 lakh ₹14,704.99 lakh -29.91% Total Income ₹7,86,778.43 lakh ₹7,22,321.41 lakh +8.93% Interest Earned ₹6,79,423.71 lakh ₹6,31,172.50 lakh +7.64% Provisions ₹1,13,683.57 lakh ₹1,13,541.81 lakh +0.12%
Capital Position and Business Growth
The bank maintained strong capital adequacy while showing improvement in key financial metrics. The capital adequacy ratio remained robust at 20.31%, providing adequate buffer for future growth.
Indicator March 31, 2026 March 31, 2025 Capital Adequacy Ratio 20.31% 20.60% Return on Assets 0.18% 0.30% Total Assets ₹60,61,035.84 lakh ₹52,83,563.44 lakh Advances Portfolio ₹42,75,128.76 lakh ₹36,20,888.81 lakh
The audited results received an unmodified opinion from joint statutory auditors M/s. ASA & Associates LLP and M/s. Suri & Co. The bank continues to focus on its core banking operations while maintaining regulatory compliance and capital adequacy requirements. The results are available on the bank's website and stock exchange portals for stakeholder access.
Equitas Small Finance Bank Limited conducted its quarterly earnings call on May 02, 2026, to discuss the audited financial results for the quarter and financial year ended March 31, 2026. The call was held at 11:00 A.M. and addressed the bank's performance for Q4FY26.
Regulatory Compliance and Documentation
In compliance with Regulations 30 & 46 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015, the bank has provided stakeholders with access to the earnings call proceedings. This follows the bank's earlier intimation dated April 15, 2026, regarding the scheduled earnings announcement.
Call Details: Information Date: May 02, 2026 Time: 11:00 A.M. Purpose: Q4FY26 & FY26 Results Discussion Audio Link: Available on IR Website
Accessibility and Transparency
The bank has made the audio recording of the earnings call available on its investor relations website at the provided web link. This ensures transparency and allows stakeholders who could not participate in the live session to access the complete discussion regarding the bank's financial performance.
As per standard regulatory practice, Equitas Small Finance Bank will make the complete transcript of the earnings call available within five working days on its official website. This transcript will provide detailed documentation of all discussions, questions, and responses shared during the call.
Corporate Communication
The earnings call notification was signed by N Ramanathan, Company Secretary of Equitas Small Finance Bank Limited. The bank maintains its corporate headquarters at Spencer Plaza, Mount Road, Anna Salai, Chennai, Tamil Nadu, and continues to operate under its mission of contributing towards a better society through its banking services.
The bank's commitment to regulatory compliance and stakeholder communication reflects its dedication to maintaining transparency in its financial reporting and corporate governance practices.
We’re building Scanx - to help you express your trading & investing idea, to help you analyse the markets better.
Stock Markets are the true indicator of the growth of any country's economy. We are bullish on India, we are bullish on India's prospects to be one of largest economies of the world. We believe that Stock Markets provide an unique opportunity for all Indians to participate in the growth story of India. We are enabling the same for Indians.
As financial services are becoming more accessible, there is now a large set of Indians today who are financially aware and literate. They value time and seek high quality products & services. Most screening, trading, investing platforms available today are more or less similar to each other, and they have not evolved with time. While both traders & investors have gotten smart about how they make money and build wealth, as users they have continued to use the same products, features, and platforms that were available for years with little or no innovation. We plan to change that - a technology-led platform built for super traders and long term investors.