Equitas Small Finance Bank Q2 FY27: Total income Rs 2,357.51 cr; PAT Rs 218.04 cr
For the quarter ended 30-Sep-26, Equitas Small Finance Bank reported total income of Rs 2,357.51 cr and net profit of Rs 218.04 cr, up from Rs 1,846.29 cr and Rs 24.14 cr a year earlier.
Key takeaways
- Total income Rs 2,357.51 cr vs Rs 1,846.29 cr in Q2 FY26.
- Interest earned Rs 2,066.00 cr vs Rs 1,617.35 cr a year earlier.
- PAT Rs 218.04 cr vs Rs 24.14 cr in the corresponding quarter.
- Provisions and contingencies Rs 114.99 cr vs Rs 207.02 cr.
- Basic EPS Rs 1.91 vs Rs 0.21; diluted EPS Rs 1.90 vs Rs 0.21.
Q2 FY27 · standalone
| Metric | Sep 2026 | Sep 2025 | Change |
|---|---|---|---|
| Income | Rs 2,357.51 cr | Rs 1,846.29 cr | +27.7% |
| PAT | Rs 218.04 cr | Rs 24.14 cr | +803.7% |
| EPS | 1.91 | 0.21 | +809.5% |
As reported in the filing. Figures are transcribed, not computed.
• Total income (3): Rs 2,357.51 cr for the quarter ended 30-Sep-26 vs Rs 1,846.29 cr for the quarter ended 30-Sep-25, as per the statement of unaudited financial results.
• Interest earned (1): Rs 2,066.00 cr vs Rs 1,617.35 cr.
• Other income (2): Rs 291.52 cr vs Rs 228.95 cr.
• Interest expended (4): Rs 1,040.28 cr vs Rs 843.67 cr.
• Operating expenses (5): Rs 914.86 cr vs Rs 762.06 cr.
• Operating profit before provisions & contingencies (7): Rs 402.37 cr vs Rs 240.56 cr.
• Provisions (other than tax) and contingencies (8): Rs 114.99 cr vs Rs 207.02 cr.
• Profit / (Loss) from ordinary activities before tax (10): Rs 287.38 cr vs Rs 33.54 cr.
• Tax expense (11): Rs 69.34 cr vs Rs 9.40 cr.
• Net profit / (Loss) from ordinary activities after tax (12): Rs 218.04 cr vs Rs 24.14 cr.
• Net profit / (Loss) for the period (14): Rs 218.04 cr vs Rs 24.14 cr.
• Paid-up equity share capital (15): Rs 1,144.13 cr vs Rs 1,140.50 cr.
• Basic EPS (17(iii)): Rs 1.91 vs Rs 0.21.
• Diluted EPS (17(iii)): Rs 1.90 vs Rs 0.21.
For Q2 FY27 (quarter ended 30-Sep-26), the statement of unaudited financial results shows that total income (interest earned plus other income) rose to Rs 2,357.51 cr from Rs 1,846.29 cr in the corresponding quarter ended 30-Sep-25. Interest earned increased to Rs 2,066.00 cr from Rs 1,617.35 cr, while other income moved to Rs 291.52 cr from Rs 228.95 cr.
On the cost side, interest expended rose to Rs 1,040.28 cr from Rs 843.67 cr, and operating expenses (employees cost plus other operating expenses) increased to Rs 914.86 cr from Rs 762.06 cr. Total expenditure excluding provisions and contingencies was Rs 1,955.14 cr compared with Rs 1,605.73 cr a year earlier.
Operating profit before provisions and contingencies improved to Rs 402.37 cr from Rs 240.56 cr. Provisions (other than tax) and contingencies were Rs 114.99 cr versus Rs 207.02 cr in the corresponding prior quarter. Profit from ordinary activities before tax rose to Rs 287.38 cr from Rs 33.54 cr.
After a tax expense of Rs 69.34 cr (vs Rs 9.40 cr a year ago), net profit from ordinary activities after tax, which is also reported as net profit for the period, stood at Rs 218.04 cr compared with Rs 24.14 cr in the quarter ended 30-Sep-25. Basic earnings per share (face value Rs 10 each) for the quarter were Rs 1.91, and diluted EPS were Rs 1.90, against Rs 0.21 for both basic and diluted EPS in the year-ago quarter, as disclosed in the analytical ratios section of the statement of financial results.
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