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Equitas Small Finance Bank Pivoting Towards A More Secure Business Model, Says Motilal Oswal; Maintains 'Buy'
The Universal Banking License remains a significant opportunity, enabling Equitas SFB to reduce funding cost gaps, boost depositor trust, and help re-rate the franchise among investors: Motilal Oswal.
26 Sep 2025, 11:32 AM IST 
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By diversifying into secured lending, investing in technology, and maintaining a controlled MFI mix, Equitas SFB is creating a stronger, more resilient bank.
(Photo Source: Bank's official fb page)
Equitas SFB is focusing on scaling up its gold portfolio, which currently stands at ~Rs 3.5 billion. The bank aims to grow this portfolio exponentially over the next two years by making the product available across more branches. The yields on this product are healthy at ~16-17%.
