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Equitas Small Finance Bank Greenlights ₹5,000 Crore Debenture Issue to Bolster Capital Base

Updated: July 21, 2025 14:00

Image Source : Groww
Equitas Small Finance Bank has received board approval to raise ₹5,000 crore through the issuance of subordinated, unsecured, redeemable, nonconvertible debentures (NCDs). The move is aimed at strengthening the bank’s Tier II capital and supporting its longterm growth strategy.
 
Key Highlights From the Capital Raise
  • The debentures will be issued on a private placement basis and categorized as Lower Tier II Capital under the Basel II framework  
  • The issuance is subject to regulatory approvals and shareholder consent via postal ballot and evoting  
  • Funds raised will be used to enhance the bank’s capital adequacy, expand lending capacity, and support digital infrastructure investments  
  • The trading window for designated persons remains closed until 48 hours after the Q1 FY26 financial results are announced  
  • This follows the bank’s earlier ₹1,250 crore QIP approval, indicating a multipronged capital augmentation strategy  
Strategic Context and Market Position
  • Equitas is focusing on expanding its retail and MSME lending footprint, especially in underserved regions  
  • The bank continues to invest in techled financial inclusion, with emphasis on mobile banking and AIdriven credit scoring  
  • The capital infusion will also help meet regulatory buffers and prepare for future growth in asset quality and customer base  
Financial Significance
The ₹5,000 crore debenture issuance marks a pivotal step in Equitas’ capital roadmap. By diversifying funding sources and reinforcing its balance sheet, the bank is positioning itself for sustainable expansion in India’s competitive small finance landscape.
 
Sources: Moneycontrol, Business Standard, BSE India, Equitas Bank Investor Relations Portal, JM Financial Services, Economic Times

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