Equitas Small Finance Bank Posts Solid Q2 with ₹2.07 Billion Provisions Amid ₹16.17 Billion Interest Income

Equitas Small Finance Bank released its financial results for the quarter ended September 30, 2025, showing a strong operational performance marked by sustained interest income and cautious provisioning.

The bank earned interest income of ₹16.17 billion, supported by growth in advances and improved deposit mix. Provisions and contingencies for the quarter stood at ₹2.07 billion, reflecting the bank’s proactive stance in asset quality management amidst challenging economic conditions.

The gross non-performing assets (NPA) ratio was maintained at 2.92%, indicating effective risk controls despite sectoral pressures. Net profit for the quarter was reported at ₹241.4 million, signaling steady profitability in a competitive small finance banking segment.

The management highlighted ongoing efforts to enhance deposit growth, optimize costs, and strengthen collections to support sustainable growth and asset quality improvement.

Key Highlights:

Interest earned: ₹16.17 billion in Q2 FY 2025-26

Provisions and contingencies: ₹2.07 billion

Gross NPA maintained at 2.92%

Net profit: ₹241.4 million for Q2

Focus on asset quality and deposit growth amid economic challenges

Continued emphasis on risk management and operational efficiency

Sources: Equitas Small Finance Bank Ltd, Moneycontrol, Investor Reports