Equitas Small Finance Bank Limited announced its financial results for the fourth quarter of FY25 on Wednesday, April 30, 2025.
In Equitas Small Finance Bank Q4 results, the bank reported a net profit of ₹42.1 crore for Q4 FY25. This represents a -79.7% year-on-year (YoY) decline from ₹207.6 crore recorded in the corresponding quarter of the previous fiscal year.
During the quarter, the bank’s net interest income (NII) grew by 5.5% YoY to ₹829.4 crore. This indicates a small rise from ₹785.9 crore posted in Q4 FY24.
In addition, Equitas Small Finance Bank latest results show an improvement in asset quality, with net non-performing assets (NPA) declining to ₹354.2 crore in Q4 FY25, compared to ₹360.9 crore in the same quarter of the prior year.
Equitas Small Finance Bank Ltd. Q4 Results Highlights
In this table, you will get an overview of Equitas Small Finance Bank latest quarterly results:
| Q4 FY2024-25 | Q3 FY2024-25 | Q4 FY2023-24 | YoY Growth (%) | QoQ Growth (%) | |
| Total Income (₹ in crore) | ₹1,869.4 | ₹1,850.3 | ₹1,685.1 | 11% | 1% |
| Net profit (₹ in crore) | ₹42.1 | ₹66.3 | ₹207.6 | -79.7% | -36.5% |
| EPS (Diluted) | ₹0.4 | ₹0.6 | ₹1.8 | -77.8% | -33.3% |
Equitas Small Finance Bank’s Financial Results Comparison With the Previous Year
Here is a table of annual data comparison of Equitas Small Finance Bank Q4 2025 results:
| FY 2024-25 | FY 2023-24 | |
| Total Income (in crore) | ₹7,223.2 | ₹6,285 |
| Net profit (in crore) | ₹147 | ₹799 |
| EPS | ₹1.3 | ₹7 |
Updates Shared By Equitas Small Finance Bank in Latest Financial Results
During the announcements of Equitas Small Finance Bank Q4 results, the company’s management provided key updates regarding the upcoming quarters:
Key Highlights for Q4FY25
These are some of the key highlights to look for in Equitas Small Finance Bank Q4 results 2025:
- Gross Advances grew by 11% YoY and 2% QoQ.
- The Non-Microfinance book saw a 19% YoY growth, driven by a 25% increase in SBL compared to the previous year.
Overall deposits recorded a growth of 19% YoY and 6% QoQ.
Business Highlights
Here are the business highlights shared in Q4 Equitas Small Finance Bank results:
- Retail Term Deposits grew by 25% YoY, reaching ₹18,447 Crore.
- Used Car Advances rose by 53% YoY, closing at ₹1,873 Crore.
- The Vehicle Finance portfolio exceeded ₹9,400 Crore during the quarter.
- CASA ratio remained stable at 29%, with CA balances growing by 36% YoY.
- Used CV Advances saw a 24% YoY growth.
Key Ratios
According to the Q4 Equitas Small Finance Bank results 2025, these are some key ratios:
- For Q4FY25, RoA and RoE stood at 0.32% and 2.79%, respectively.
- The NIM for the quarter was recorded at 7.13%.
- The Cost to Income ratio increased to 70.28% in Q4FY25, compared to 68.30% in Q3FY25 and 62.83% in Q4FY24.
Summary of Bank’s Transition to Revised RBI Investment Norms
Starting April 1, 2024, the bank implemented revised RBI norms for classifying and valuing its investment portfolio. The portfolio was classified into HTM, AFS, and FVTPL categories. A net transition gain of ₹2.6 crore was recorded in the Revenue Reserve.
Additionally, ₹4 crore from the Investment Reserve was transferred to the Revenue Reserve. As of March 31, 2025, net gains of ₹20 crore and losses of ₹43.76 lakh were recognised in the AFS and P&L, respectively.
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