# Equitas Small Finance Bank

> Small finance banks. Figures from the lender's own filings, each checked against the page it came from.

Page: https://creditbrief.in/lenders/equitas

## Loan book

- ₹46,165 crore on 31 March 2026, the end of FY2025-26 (Gross advances, including loans sold or shared).
- ₹50,669 crore on 30 Sep 2026, the latest half-year balance.
- Source: Equitas Small Finance Bank Investor Presentation Q4 FY26, PDF page 33: https://nsearchives.nseindia.com/corporate/EQUITASBNK_30042026163447_InvestorpresentationQ4FY26.pdf

## Findings

- Grew 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.
- Growth picked up to 22% in FY2025-26, from 11% the year before.
- Held its place as the 29th biggest of these 33 banks from March 2022 to March 2026.

## What it lends against (30 Sep 2026)

- Small Business Loans (SBL): ₹19,966 crore (39.4%)
- Vehicle Finance: ₹11,330 crore (22.4%)
- Housing Finance: ₹6,422 crore (12.7%)
- Micro Finance & Micro Loans: ₹6,331 crore (12.5%)
- MSE Finance: ₹2,563 crore (5.1%)
- NBFC: ₹2,213 crore (4.4%)
- Gold: ₹1,190 crore (2.3%)
- Others (OD against FD, credit cards, personal loans, staff loans): ₹654 crore (1.3%)

Source: Equitas Small Finance Bank Investor Presentation Q2 FY27, PDF page 20: https://nsearchives.nseindia.com/corporate/EQUITASBNK_29102026161748_Intimation_on_Investorpresentation_Q2_FY_27_sd.pdf

## Figures by period

| Measure | FY2021-22 (31 Mar 2022) | FY2022-23 (31 Mar 2023) | FY2023-24 (31 Mar 2024) | FY2024-25 (31 Mar 2025) | FY2025-26 (31 Mar 2026) | 30 Sep 2026 |
|---|---|---|---|---|---|---|
| Loan book (₹ crore) | 20,597 | 27,861 | 34,337 | 37,986 | 46,165 | 50,669 |
| Deposits (₹ crore) | 18,951 | 25,381 | 36,129 | 43,107 | 46,533 | 52,483 |
| CASA ratio (%) | 52.01 | 42.28 | 32.00 | 29.00 | 26.00 | 26.00 |
| Branches (Number) |  |  |  |  | 1,060 | 1,064 |

### Sources for each figure

- Loan book, FY2021-22 (31 Mar 2022): "Gross Advances 27,861 20,597 35% 24,915 12%" (Equitas Small Finance Bank Investor Presentation Q4 FY23, PDF page 31) https://nsearchives.nseindia.com/corporate/EQUITASBNK_05052023200056_ESFBInvestorPresentation.pdf
- Loan book, FY2022-23 (31 Mar 2023): "Gross Advances 34,337 27,861 23% 32,776 5%" (Equitas Small Finance Bank Investor Presentation Q4 FY24, PDF page 35) https://nsearchives.nseindia.com/corporate/EQUITASBNK_24042024152944_ESFBInvestorPresentation.pdf
- Loan book, FY2023-24 (31 Mar 2024): "Gross Advances 34,337 27,861 23% 32,776 5%" (Equitas Small Finance Bank Investor Presentation Q4 FY24, PDF page 35) https://nsearchives.nseindia.com/corporate/EQUITASBNK_24042024152944_ESFBInvestorPresentation.pdf
- Loan book, FY2024-25 (31 Mar 2025): "Gross Advances 46,165 37,986 22% 43,268 7%" (Equitas Small Finance Bank Investor Presentation Q4 FY26, PDF page 33) https://nsearchives.nseindia.com/corporate/EQUITASBNK_30042026163447_InvestorpresentationQ4FY26.pdf
- Loan book, FY2025-26 (31 Mar 2026): "Gross Advances 46,165 37,986 22% 43,268 7%" (Equitas Small Finance Bank Investor Presentation Q4 FY26, PDF page 33) https://nsearchives.nseindia.com/corporate/EQUITASBNK_30042026163447_InvestorpresentationQ4FY26.pdf
- Loan book, 30 Sep 2026: "Gross Advances 39,123 43,268 46,165 47,641 50,669 30% 100%" (Equitas Small Finance Bank Investor Presentation Q2 FY27, PDF page 20) https://nsearchives.nseindia.com/corporate/EQUITASBNK_29102026161748_Intimation_on_Investorpresentation_Q2_FY_27_sd.pdf
- Deposits, FY2021-22 (31 Mar 2022): "Rs. 18,951 Cr [Rs. 16,392 Cr]" (Equitas Small Finance Bank Investor Presentation Q4 FY22, PDF page 8) https://ir.equitas.bank.in/wp-content/uploads/2022/05/ESFB_Q4FY22_Investor-Presentation_Final.pdf
- Deposits, FY2022-23 (31 Mar 2023): "Rs. 25,381 Cr [Rs. 18,951 Cr]" (Equitas Small Finance Bank Investor Presentation Q4 FY23, PDF page 5) https://ir.equitas.bank.in/wp-content/uploads/2023/05/ESFB_Q4FY23_Investor-Presentation_Final-1.pdf
- Deposits, FY2023-24 (31 Mar 2024): "Rs. 36,129 Cr [Rs. 25,348 Cr]" (Equitas Small Finance Bank Investor Presentation Q4 FY24, PDF page 5) https://ir.equitas.bank.in/wp-content/uploads/2024/04/ESFB_Q4FY24_Investor-Presentation.pdf
- Deposits, FY2024-25 (31 Mar 2025): "Rs. 43,107 Cr [Rs. 36,129 Cr]" (Equitas Small Finance Bank Investor Presentation Q4 FY25, PDF page 5) https://ir.equitas.bank.in/wp-content/uploads/2025/04/ESFB_IR-Q4FY25-Investor-Presentation-.pdf
- Deposits, FY2025-26 (31 Mar 2026): "Rs. 46,533 Cr [Rs. 43,102 Cr]" (Equitas Small Finance Bank Investor Presentation Q4 FY26, PDF page 5) https://ir.equitas.bank.in/wp-content/uploads/2026/04/ESFB_IR-Q4FY26-Investor-Presentation.pdf
- Deposits, 30 Sep 2026: "Rs. 52,483 Cr [Rs. 44,094 Cr]" (Equitas Small Finance Bank Investor Presentation Q2 FY27, PDF page 5) https://ir.equitas.bank.in/wp-content/uploads/2026/10/ESFB-InvestorPresentation_Q2FY27.pdf
- CASA ratio, FY2021-22 (31 Mar 2022): "52.01% [34.40%]" (Equitas Small Finance Bank Investor Presentation Q4 FY22, PDF page 8) https://ir.equitas.bank.in/wp-content/uploads/2022/05/ESFB_Q4FY22_Investor-Presentation_Final.pdf
- CASA ratio, FY2022-23 (31 Mar 2023): "42.28% [52.01%]" (Equitas Small Finance Bank Investor Presentation Q4 FY23, PDF page 5) https://ir.equitas.bank.in/wp-content/uploads/2023/05/ESFB_Q4FY23_Investor-Presentation_Final-1.pdf
- CASA ratio, FY2023-24 (31 Mar 2024): "CASA – 32%, TD – 68%" (Equitas Small Finance Bank Investor Presentation Q4 FY24, PDF page 5) https://ir.equitas.bank.in/wp-content/uploads/2024/04/ESFB_Q4FY24_Investor-Presentation.pdf
- CASA ratio, FY2024-25 (31 Mar 2025): "CASA – 29%, TD – 71%" (Equitas Small Finance Bank Investor Presentation Q4 FY25, PDF page 5) https://ir.equitas.bank.in/wp-content/uploads/2025/04/ESFB_IR-Q4FY25-Investor-Presentation-.pdf
- CASA ratio, FY2025-26 (31 Mar 2026): "CASA – 26%, TD – 74%" (Equitas Small Finance Bank Investor Presentation Q4 FY26, PDF page 5) https://ir.equitas.bank.in/wp-content/uploads/2026/04/ESFB_IR-Q4FY26-Investor-Presentation.pdf
- CASA ratio, 30 Sep 2026: "CASA – 26%, TD & CD – 74%" (Equitas Small Finance Bank Investor Presentation Q2 FY27, PDF page 5) https://ir.equitas.bank.in/wp-content/uploads/2026/10/ESFB-InvestorPresentation_Q2FY27.pdf
- Branches, FY2025-26 (31 Mar 2026): "1,113 (1,060 Branches + 53 Other" (Equitas Small Finance Bank Integrated Annual Report 2025-26, PDF page 37) https://ir.equitas.bank.in/wp-content/uploads/2026/08/Equitas-SFB-Integrated-Annual-Report-2025-26.pdf
- Branches, 30 Sep 2026: "1064 Branches" (Equitas Small Finance Bank Investor Presentation Q2 FY27, PDF page 5) https://ir.equitas.bank.in/wp-content/uploads/2026/10/ESFB-InvestorPresentation_Q2FY27.pdf

CreditBrief is independent and not linked to any lender. Not investment advice.