Equitas Small Finance Bank Community

Key Takeaways Strategic shift from Microfinance to Small Business and Used Vehicle finance could stabilize credit costs and enhance revenue through profitable growth. Technology investments' completion and deposit repricing may improve net margins, supporting earnings potential and enhanced RoA by FY '26.

Key Takeaways Cutting back on microfinance and slashing funding costs could boost risk-adjusted returns and drive profit growth ahead of peers. Digital expansion, new product offerings, and sector-focused deposits position Equitas to capture market share and deliver sustained, above-average growth.

Key Takeaways Rising digital adoption and aggressive financial inclusion threaten Equitas's client base, compress pricing power, and pressure loan growth and fee income. Operational inefficiencies and ongoing asset quality challenges are likely to cap earnings growth and erode overall profitability amid tightening regulatory norms.