Equitas Small Finance Bank Limited has completed its mandatory regulatory filing by submitting certificates under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended March 31, 2026. The bank communicated this compliance to both the National Stock Exchange of India Limited and BSE Limited on April 6, 2026.

Regulatory Compliance Details

The certificates were issued by KFin Technologies Limited, which serves as the bank's registrar and share transfer agent. The compliance documentation was prepared and submitted to the relevant depositories on April 2, 2026.

Depository Notifications

KFin Technologies Limited issued separate certificates to both major depositories in India. The certificates were addressed to National Securities Depository Limited (NSDL) at their Trade World office in Lower Parel, Mumbai, and Central Depository Services (India) Limited (CDSL) at their registered office in Marathon Futurex, Lower Parel East, Mumbai.

C Shobha Anand, Vice President at KFin Technologies Limited, signed both certificates confirming that the required details of securities dematerialized and rematerialized during the quarter have been furnished to all stock exchanges where the bank's shares are listed.

Corporate Communication

The bank's Company Secretary, N Ramanathan, digitally signed the communication to the stock exchanges on April 6, 2026. The filing was made pursuant to the bank's ongoing compliance obligations under SEBI regulations governing depositories and participants.

About the Filing

This quarterly certificate filing is a standard regulatory requirement that ensures transparency in the dematerialization and rematerialization process of securities. The submission confirms that Equitas Small Finance Bank has maintained proper records and reporting standards as mandated by SEBI for the quarter ended March 31, 2026.

Equitas Small Finance Bank has delivered impressive performance in Q4 FY26, reporting substantial growth across key financial metrics. The bank's comprehensive business update reveals strong momentum in lending operations, improved asset quality, and enhanced collection efficiency, positioning it favorably in the competitive small finance banking sector.

Financial Performance Overview

The bank demonstrated robust growth across multiple parameters during Q4 FY26, with significant improvements in both advances and deposits.

Lending Portfolio Analysis

The bank's lending portfolio showed strong diversification with healthy growth across segments. Microfinance and micro loans grew by 27.18% year-on-year to ₹5,757 crore, while non-microfinance segments expanded by 20.82% to ₹40,426 crore.

Asset Quality Improvements

Equitas Small Finance Bank demonstrated significant improvement in asset quality metrics, particularly in its microfinance portfolio. The 1-90 DPD (Days Past Due) showed consistent reduction throughout the quarter.

The X-bucket collection efficiency reached 99.71% in Q4 FY26, indicating strengthened asset quality trends and credit stress stabilization. The fresh overdue amounts declined to their lowest levels at ₹9.00 crore in March 2026, reflecting normalized slippage behavior.

Credit-Deposit Ratio and Operational Metrics

The bank maintained a healthy credit-deposit ratio of 93.69%, demonstrating efficient fund utilization. After adjusting for refinance borrowings, the CD ratio stood at 83.44%, indicating balanced growth strategy.