CreditBrief

What Equitas Small Finance Bank lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹50,669 crore (+9.8% since March).

Equitas Small Finance BankSmall finance banks

₹46,165croregross advances, including loans sold or shared on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers29thof 33 banks on CreditBrief, March 2026
Biggest segment39.4%Small Business Loans (SBL), latest split (30 Sep 2026)
Share of the combined book0.2%of all banks on CreditBrief

Chapter 01 · The loan book

₹46,165 crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in Equitas Small Finance Bank's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from small business loans (sbl) down, and you get ₹46,165 crore. By 30 Sep 2026 it was ₹50,669 crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

50%People and households₹25,273 croreMicro Finance & Micro LoansHousing FinanceVehicle FinanceGold
49%Businesses₹24,742 croreSmall Business Loans (SBL)MSE FinanceNBFC

1% sits in lines the filing does not tie to either: Others (OD against FD, credit cards, personal loans, staff loans).

Drilling down: what it lends against · 30 Sep 2026

  • Small Business Loans (SBL)₹19,966 crore39.4%
  • Vehicle Finance₹11,330 crore22.4%
  • Housing Finance₹6,422 crore12.7%
  • Micro Finance & Micro Loans₹6,331 crore12.5%
  • MSE Finance₹2,563 crore5.1%
  • NBFC₹2,213 crore4.4%
  • Gold₹1,190 crore2.3%
  • Others (OD against FD, credit cards, personal loans, staff loans)₹654 crore1.3%

Small business loans are mostly backed by property but are kept as MSME, as the bank labels them.

Sources: Equitas Small Finance Bank Investor Presentation Q4 FY26, PDF page 33 ↗ for March 2026; Equitas Small Finance Bank Investor Presentation Q2 FY27, PDF page 20 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 22% a year since March 2022.

From ₹20,597 crore on 31 March 2022 to ₹46,165 crore on 31 March 2026, and ₹50,669 crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights20 figures from 11 filings · each checked against its pageHow it works
Equitas Small Finance Bank · loan book · 31 March 2026₹46,165crore+22% in FY2025-26₹50,669 crore by 30 Sep 2026
  1. 0122%a year since 2022Grew 22% a year from March 2022 to March 2026, faster than 26 of the 29 other banks with like-for-like figures for those years.
  2. 0222%in FY2025-26Growth picked up to 22% in FY2025-26, from 11% the year before.
  3. 0329thamong peersHeld its place as the 29th biggest of these 33 banks from March 2022 to March 2026.
Deposits₹46,533 crore+7.9% · in FY2025-26
Loans to deposits99.2%+11.1 pts · in FY2025-26
CASA ratio26.0%-3.0 pts · in FY2025-26
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · gross advances, including loans sold or shared20,59727,86134,33737,98646,16550,669
Deposits₹ crore18,95125,38136,12943,10746,53352,483
CASA ratio%52.0142.2832.0029.0026.0026.00
BranchesNumber1,0601,064

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at Equitas Small Finance Bank, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

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Its last results, as an alert

CreditBrief Insightsto you

Equitas Small Finance Bank, Q2 FY2026-27: loan book ₹50,669 crore, +9.8% since March

  • ₹50,669 crore lent out by Q2 FY2026-27
  • Biggest segment: Small Business Loans (SBL), 39% of the book
  • Every figure links to page 20 of its filing

Chapter 03 · Among its peers

29th biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 0.2% of the combined loan book of the banks on CreditBrief. Banks report advances, gross or net, and each row says which.

  1. 1State Bank of India₹49.33 lakh crore
  2. 2HDFC Bank₹29.60 lakh crore
  3. 3ICICI Bank₹15.54 lakh crore
  4. 4Bank of Baroda₹14.30 lakh crore
  5. 5Punjab National Bank₹12.59 lakh crore
  6. 6Canara Bank₹12.38 lakh crore
  7. 7Axis Bank₹12.34 lakh crore
  8. 8Union Bank of India₹10.79 lakh crore
  9. 29Equitas Small Finance Bank₹46,165 crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Read next

Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

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