Equitas Small Finance Bank has reported a loss for the quarter ended September 30, 2025, while also announcing successful fundraising through Non-Convertible Debentures (NCDs).

Key Highlights

• The bank reported a loss before tax of Rs 20,304.18 lakhs for the quarter
• Profit before tax for the half year stood at Rs 10,884.91 lakhs
• Rs 500 crores raised through NCDs in December 2024 and July 2025
• Total deposits increased to Rs 44,09,350.31 lakhs
• Advances rose to Rs 36,35,228.27 lakhs

Financial Performance

Equitas Small Finance Bank experienced a challenging quarter, reporting a loss before tax of Rs 20,304.18 lakhs, compared to a profit of Rs 5,582.06 lakhs in the previous quarter. However, for the half year, the bank maintained a profit before tax of Rs 10,884.91 lakhs.

Deposit and Advance Growth

Despite the quarterly loss, the bank showed growth in key areas:

Fundraising through NCDs

The bank successfully raised Rs 500 crores through Non-Convertible Debentures issued in December 2024 and July 2025. These funds have been fully utilized for their intended purposes with no material deviation, demonstrating the bank's commitment to strategic financial management.

Employee Stock Option Plan (ESOP)

During the half year, Equitas Small Finance Bank issued 6,43,777 equity shares under its ESOP scheme, indicating ongoing efforts to align employee interests with the bank's performance.

Outlook

While the quarterly loss presents challenges, the growth in deposits and advances, along with successful fundraising efforts, suggests that Equitas Small Finance Bank is taking measures to strengthen its financial position. The bank's ability to maintain half-yearly profitability and expand its balance sheet will be crucial factors to watch in the coming quarters.

Equitas Small Finance Bank (ESFB) has announced its plans to release its financial results for the second quarter and first half of the fiscal year 2026. The bank has scheduled a Board of Directors meeting on October 31, 2025, to consider and approve the unaudited financial results for the period ending September 30, 2025.

Key Details

Board Meeting and Financial Results

The bank's Board of Directors will convene on Friday, October 31, 2025, to review and approve the unaudited financial results for Q2 and H1 FY2026. This meeting is in compliance with Regulations 29(1) and 50(1) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Earnings Call

Following the board meeting, ESFB has scheduled an earnings call with investors and analysts on Saturday, November 1, 2025, at 11:00 AM. The call aims to discuss the bank's financial performance for the quarter and half-year ended September 30, 2025. P N Vasudevan, Managing Director & CEO of Equitas Small Finance Bank, along with the management team, will lead the discussion.

Trading Window Closure

In line with regulatory requirements, ESFB has closed the trading window for designated persons and their immediate relatives. The closure period is from October 1, 2025, to November 3, 2025. This measure is taken to ensure fair trading practices and prevent insider trading during the sensitive period leading up to the financial results announcement.

Investors and analysts interested in participating in the earnings call can access it through various dial-in numbers provided by the bank, including international toll-free numbers for Hong Kong, Singapore, UK, and USA.

For further details or to participate in the earnings call, interested parties are encouraged to contact the bank's Investor Relations team at ir@equitasbank.com .