	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	C 2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M IR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Net Interest & Dividend Income	253	534	861	1,152	1,495	1,798	2,039	2,545	3,080	3,252	3,391
Non-Interest Revenue	0	18	0	22	24	-	81	340	495	517	-
Total Revenue	253	551	860	1,174	1,520	1,798	2,119	2,885	3,575	3,768	3,391
Total Operating Expenses	239	663	1,070	1,224	1,534	1,287	2,295	2,445	2,815	3,964	3,263
Operating Profit	14	-112	-210	-50	-14	511	-176	440	760	-196	128
Operating Margin	5.5	-20.2	-24.4	-4.3	-0.9	28.4	-8.3	15.2	21.3	-5.2	3.8
Profit before Taxes	85	104	32	211	244	511	281	769	1,063	199	128
Income Taxes	-	-	-	-	-	127	-	195	264	52	25
Profit after Tax	85	104	32	211	244	384	281	574	799	147	103
PAT Margin	33.7	18.9	3.7	17.9	16.0	21.4	13.2	19.9	22.3	3.9	3.0
EPS - Basic - ex Extraordinary Items	0.75	0.91	0.28	1.85	2.14	3.53	2.43	4.71	7.12	1.29	0.90
EPS - Diluted - ex Extraordinary Items	0.75	0.91	0.28	1.85	2.14	3.49	2.40	4.67	7.00	1.29	0.90
EBIT	14	-112	-210	-50	-14	511	-176	440	760	-196	128
EBITDA	19	-80	-122	41	82	588	-101	524	894	-48	295
EBITDA Margin	7.4	-14.5	-14.2	3.5	5.4	32.7	-4.8	18.2	25.0	-1.3	8.7

Balance Sheet

Abridged

Understanding Balance Sheet

Equitas Small Finance Bank Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	R 2020 Mar 31	R 2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	PRESS
Cash & ST Balance with Banks	5	248	386	403	381	594	1,013	1,204	3,579	5,037	5,666
Lending & LT Balance with Banks	2,323	6,568	8,532	12,453	15,884	19,633	20,494	25,839	30,964	36,708	-
Property Plant & Equipment - Net	11	288	281	237	2	1	11	379	605	696	715
Total Assets	2,414	9,245	13,310	15,763	19,296	24,708	26,952	34,958	45,304	52,836	60,610
Deposits - Total	-	1,921	5,604	9,007	10,788	16,392	18,951	25,381	36,129	43,107	46,533
Long Term Debt	953	2,820	2,019	2,374	3,225	2,508	2,616	2,974	666	1,421	5,773
Total Liabilities	1,703	7,233	11,266	13,508	16,551	21,312	22,706	29,800	39,335	46,763	54,486
Total Shareholders' Equity	711	2,012	2,044	2,254	2,744	3,396	4,246	5,158	5,969	6,073	6,125
Total Equity	711	2,012	2,044	2,254	2,744	3,396	4,246	5,158	5,969	6,073	6,125
Total Liabilities & Equity	2,414	9,245	13,310	15,763	19,296	24,708	26,952	34,958	45,304	52,836	60,610

Cash Flow

Abridged

Understanding Cash Flow Statement

Equitas Small Finance Bank Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Operating CF bef Changes in Working Cap	128	305	292	339	503	828	797	1,100	1,263	536	500
Working Capital - Increase/(Decrease)	-617	731	-513	963	-562	764	-971	-2,402	2,642	1,401	-3,816
Net CF from Operating Activities	-489	1,036	-221	1,302	-60	1,592	-174	-1,302	3,905	1,937	-3,316
Capital Expenditures - Net	8	293	80	48	72	49	91	263	360	239	185
Net CF from Investing Activities	-9	-405	-4	-11	-72	-43	-91	-263	-431	-239	-185
Dividends Paid - Cash - Total	-	-	-	-	-	-	-	-	112	114	0
Stock - Issuance/(Retirement) - Net	-	288	-	-	250	283	579	9	88	23	6
Debt - LT & ST - Issuance/(Retirement) - Total	321	-553	398	-1,204	1,162	-970	-1,549	357	-1,186	349	3,636
Net Cash Flow from Financing Activities	321	-265	398	-1,204	1,408	-702	-981	366	-1,210	259	3,641
Free Cash Flow to Equity	-176	190	97	49	1,030	574	-1,814	-1,208	2,359	2,048	134
Free Operating CF net dividend	-498	742	-302	1,250	-134	1,542	-267	-1,567	3,429	1,579	-3,509
Free Operating CF	-498	742	-302	1,250	-134	1,542	-267	-1,567	3,541	1,692	-3,509

Business Segment Analysis

FY End:

Mar 25

Equitas Small Finance Bank Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Capex

Retail Banking (97.9%)₹ 239.45 CrWholesale Banking (2.1%)₹ 5.24 CrOther Banking Business (0.0%)₹ 0.00 CrTreasury (0.0%)₹ 0.00 Cr

Revenue / Sales

Retail Banking (85.1%)₹ 6,144.60 CrTreasury (12.3%)₹ 890.21 CrOther Banking Business (1.7%)₹ 124.64 CrWholesale Banking (0.9%)₹ 63.76 Cr

Assets

Retail Banking (70.6%)₹ 37,318.36 CrTreasury (27.2%)₹ 14,396.11 CrWholesale Banking (1.5%)₹ 776.14 CrUnallocated (0.7%)₹ 345.03 Cr

Regional Segment Analysis

FY End:

Mar 25

Equitas Small Finance Bank Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales

India (100.0%)₹ 3,768.38 Cr

Assets

India (100.0%)₹ 52,835.63 Cr

Historical Segment Analysis

Track how Equitas Small Finance Bank Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Capex

Sales

Assets

Operating Income

Business

Regional

Business

	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31

Retail Banking	294	81	52	74	88	252	351	239
Wholesale Banking	0	0	0	0	5	14	13	5
Other Banking Business	0	0	0	0	0	0	0	0
Treasury	0	0	0	0	0	0	0	0

Frequently Asked Questions

What is the revenue of Equitas Small Finance Bank Ltd.?

The latest trailing twelve month revenue of Equitas Small Finance Bank Ltd. is ₹ 4,464.72 Cr, reflecting a 1-year growth of -4.60% and a 3-year CAGR of 15.67%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of Equitas Small Finance Bank Ltd.?

The latest trailing twelve month net profit (PAT) of Equitas Small Finance Bank Ltd. is ₹ 103.08 Cr, with a 3-year earnings CAGR of -42.22%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of Equitas Small Finance Bank Ltd.?

The trailing twelve month EBITDA of Equitas Small Finance Bank Ltd. is approximately ₹ 128.13 Cr (based on an operating margin of 2.87%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of Equitas Small Finance Bank Ltd.?

The trailing twelve month Earnings Per Share (EPS) of Equitas Small Finance Bank Ltd. is 0.90. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of Equitas Small Finance Bank Ltd.?

The debt-to-equity ratio of Equitas Small Finance Bank Ltd. stands at 0.94. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of Equitas Small Finance Bank Ltd.?

The estimated book value per share of Equitas Small Finance Bank Ltd. is 52.86 (derived from a P/B ratio of 1.44 and market price of ₹ 76.30), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of Equitas Small Finance Bank Ltd.?

The trailing twelve month operating cash flow of Equitas Small Finance Bank Ltd. is ₹ -3,315.83 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does Equitas Small Finance Bank Ltd. report consolidated or standalone financials?

Equitas Small Finance Bank Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.