Equitas Small Finance Bank Ltd

Intimation to physical shareholders

• Allotment of 789,535,166 fully paid equity shares of Rs 10 to EHL equity shareholders.
• Shares allotted in demat mode; 210,902 shares transferred to Suspense demat account for physical holders.
• SEBI Master Circular HO/38/13(4)2026MIRSDPOD/I/4298/2026 referenced; requirements disseminated on bank website.
• Intimations sent to registered shareholders to dematerialize and claim their shares.

Investor meetings

• Intimation under Regulation 30 for analyst/institutional meetings on Aug 24, 2026.
• Yes Securities Housing Conference; group and one-to-one meetings.
• Mode: In-person and virtual; Location: Yes Bank House, Santacruz.
• IR presentation hosted on bank website; no unpublished price sensitive information proposed.
• Schedule subject to change due to investor/bank exigencies.

RPT clarification with Unico Housing Finance

• Only one related party transaction with Unico Housing Finance: Rs 25 crore bulk deposit on 01 Jan 2024.
• Deposit for 89 days at 7.5% p.a.; repaid at maturity on 30 Mar 2024.
• No other transactions with Unico; bank has not lent to Unico and does not intend to.
• MD & CEO disclosed his daughter's investment in Unico to the Board and in reappointment disclosures.
• Disclosures to RBI/SEBI remain confidential; material matters will be disclosed to exchanges as required.
• There is no impact on operations or strategy from this clarification.

Overview

• Standalone BRSR for FY2025-26; bank transitioning from microfinance to inclusive retail banking.
• Monetary intermediation is core; operations across 16 states and 2 UTs; 1,113 locations (1,060 branches, 53 offices).
• Portfolio ~88% secured lending; 100% turnover from banking activities.
• ISO 27001:2022 certified; climate-risk analysis with IPC GmbH under GIZ program.
• Board oversight with 82% independent directors; independent ESG ratings across several agencies.
• Reporting aligned to SEBI BRSR framework and NGRBC; standalone boundary.

Key ESG Risks & Opportunities

• Material risk: business continuity due to dispersed small-ticket loan book; mitigated by risk assessments and BCP.
• Diversification of products and geographies strengthens resilience.
• Opportunity in responsible lending and tech-enabled products to expand financial inclusion.
• Climate-risk capability building via IPC-GIZ collaboration; detailed portfolio climate analysis.
• Digital transformation enables scalable efficiency and broader service reach.

Governance & Policy Highlights

• Board comprises 82% independent directors; strong governance framework.
• ISO 27001:2022 certification reinforces information security and data protection.
• ESG Policy and related policies adopted; board-approved; extended to value chain.
• Policies include Whistle Blower, Data Privacy, CSR, Material Related Party Transactions, ESG Policy.
• No external assurance; internal policy reviews; MD & CEO oversight.

Social Responsibility & Workforce

• Total employees: 28,072; permanent 28,058; male 24,733; female 3,325.
• Board: 1 female director (out of 11); KMP: 0 female (out of 4).
• Training: ~98.46% of non-board staff trained on Principle 1.
• Well-being: comprehensive benefits including GMC, OPD, top-ups, EAP, emergency loans, creche.
• Permanent turnover: 43% male, 46% female; total 43%.
• PF and gratuity: 100% coverage; ESI 0%; equal opportunity embedded in Code of Conduct.
• Accessibility: ramps installed; parental and childcare support; onboarding and integration programs.
• CSR: 5% of net profit allocated; CSR turnover ₹7,868 crore; net worth ₹6,125 crore.
• Healthcare and livelihoods: 471,617 healthcare beneficiaries; 21,431 women trained; 28,574 youth placed.
• Aspirational-district CSR: Raichur, Khandwa, Osmanabad, Moga, Virudhunagar; 1,561 health camps; 110 women trained; 70 youth placed.

Environmental Performance

• Scope 1 emissions: 124.37 MtCO2e; Scope 2: 1,331.29 MtCO2e; total Scope 1+2: 1,455.66 MtCO2e.
• Emissions intensity: 0.000000021 MtCO2e/₹; PPP intensity: 0.000000436 MtCO2e/US$.
• Emissions intensity per employee: 0.61 MtCO2e/employee.
• Energy: non-renewable energy 8,410.44 GJ; electricity 6,750.19 GJ; fuel 1,660.25 GJ.
• Renewable energy share not disclosed; energy-efficiency actions include HVAC optimization and LED lighting.
• Waste: total 7.89 MT; e-waste 7.89 MT recycled; no material incineration/landfill data.
• Water: 378,972 KL withdrawal; water intensity 5.6e-6 KL/₹; 13.50 KL/employee.
• Digitalization and paperless initiatives; no PAT site; no ecologically sensitive locations.

Stakeholder Engagement & Complaints

• Stakeholders include employees, customers, investors, regulators, NGOs/communities, and value-chain partners.
• Engagement: monthly branch meetings and quarterly online conferences with customers; ongoing employee channels.
• Customer complaints: 30,011 filed in 2025-26; 1,140 pending at year-end; 25,990 filed in 2024-25; 1,030 pending.
• POSH complaints: 16 in 2025-26; 18 in 2024-25; 13 upheld in 2025-26; 12 in 2024-25.
• Grievance mechanism: multi-channel reporting; Internal Ombudsman; policy materials in multiple languages; NGRBC alignment.

Other Notable Metrics

• CSR investments: 5% of net profit; nine trade associations membership (IBA, FIMMDA, SaDhan, AMFI, CII, TIE, M-FIN, ASFBI, FEDAI).
• Culture and training: Culture Pulse score 4.36/5; Brandon Hall Silver; Ambition Box top employer.
• Customer engagement: data privacy and cyber security framework; One Tap Token introduced; digitally enhanced grievance management.
• Consumer protections: data privacy policy; complaint handling timelines; multilingual grievance policy across channels.

AGM Details and Key Resolutions

• Date/time/mode: Sep 9, 2026, 11:00 IST, VC/OAVM.
• Notice/AR cut-off: Jul 31, 2026.
• Remote e-voting window: Sep 6–8, 2026.
• Ordinary: adopt audited financial statements for FY ended Mar 31, 2026.
• Dividend: FY2025-26 dividend not recommended.

Capital Raising, Governance, and ESOP

• QIP: up to Rs 1,250 crore approved.
• MD & CEO re-appointed for 3 years; RBI approval required.
• Independent Director Geeta Dutta Goel re-appointed for 3 years.
• Auditors: Sundaram & Srinivasan for 2026–27 to 2028–29; remuneration up to Rs 1.23 crore.
• ESOP: 2019 program grants issued.

Investor conference schedule

• Intimation under Regulation 30 of LODR for investor meetings.
• Four investor conferences scheduled Aug–Sep 2026 in Mumbai, in-person meetings.
• Aug 13, 2026 – Emkay Confluence 2026 at Grand Hyatt Mumbai; group and one-to-one meetings.
• Aug 14, 2026 – Equirus India Growth Summit at Sofitel BKC Mumbai; group and one-to-one meetings.
• Sep 2, 2026 – Ashwamedh Elara India Dialogue 2026 at Grand Hyatt Mumbai; group and one-to-one meetings.
• Sep 22, 2026 – Anand Rathi Flagship G-200 Summit 2026 at Taj Santacruz, Mumbai; group and one-to-one meetings.
• No unpublished price-sensitive information is proposed to be shared during the above investor conferences.
• Schedule subject to change due to investor and bank exigencies.

Roadshow Details

• Intimation under Regulation 30 for Analyst/Institutional investor non-deal roadshow.
• Date: Wednesday, August 12, 2026.
• Investors: Janchor Partners, White Oak Capital Management, Goldman Sachs Asset Management (India) Limited.
• Mode: One-to-one, in-person meetings in Mumbai.
• Presentation available on the bank's website; no unpublished price-sensitive information proposed to be shared.
• Schedule subject to change due to exigencies.