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F-14/15, Orbit Mall, Civil Lines, Jaipur-302006 support@thetaxheaven.comEquitas Small Finance Bank Ltd (ESFB) is one of India’s leading small finance banks, known for its focus on financial inclusion, microfinance, and innovative banking products. With a strong retail customer base and growing market presence, the bank has demonstrated consistent performance in the small finance sector. In this article, we’ll explore Equitas SFB’s share price targets from 2025 to 2030, along with essential investment considerations.
Let’s look at its business overview, financial details, and potential future price trends.
| Detail | Value |
|---|---|
| Open | ₹55.40 |
| Previous Close | ₹56.49 |
| Day’s High | ₹55.80 |
| Day’s Low | ₹52.75 |
| 52-Week High | ₹86.90 |
| 52-Week Low | ₹52.52 |
| Market Capitalization | ₹6,089 Cr |
| Beta (Volatility) | 0.94 |
| Book Value per Share | ₹52.17 |
| Face Value | ₹10 |
| All-Time High | ₹116.50 |
| All-Time Low | ₹30.05 |
| Volume | 7,087,010 |
| VWAP | ₹53.48 |
| 20D Avg Volume | 5,506,301 |
| 20D Avg Delivery (%) | 29.5% |
Equitas Small Finance Bank began operations in 2016 after receiving a license from the Reserve Bank of India. It offers a range of financial products, including savings accounts, fixed deposits, microloans, vehicle loans, MSME loans, and affordable housing finance.
With a strong presence in underserved and rural markets, ESFB has become a go-to bank for first-time borrowers and small entrepreneurs. Its digital banking initiatives and customer-centric approach have helped expand its footprint across India.
Key Highlights:
Leading player in the small finance banking sector
Strong retail loan book with low concentration risk
Focus on rural and semi-urban markets
Increasing CASA (Current Account Savings Account) ratio
Stable asset quality and prudent risk management
| Investor Type | Holding (%) |
|---|---|
| Mutual Funds | 41.88% |
| Retail and Others | 36.57% |
| Foreign Institutions | 16.30% |
| Other Domestic Institutions | 5.26% |
This diverse shareholding indicates a balanced mix of institutional and retail investor interest in the stock.
| Year | Minimum Target (₹) | Maximum Target (₹) |
|---|---|---|
| 2025 | 60 | 68 |
| 2026 | 70 | 80 |
| 2027 | 82 | 95 |
| 2028 | 98 | 112 |
| 2029 | 115 | 130 |
| 2030 | 135 | 155 |
These projections are based on the bank’s improving net interest margins, loan growth trajectory, asset quality, and broader banking sector trends.
By 2025, Equitas SFB is expected to see moderate growth in its loan book and deposits.
Why?
Recovery in rural demand and MSME activity
Higher CASA ratio reducing cost of funds
Stable NPA levels
Investment Advice: Accumulate on dips for medium-term gains.
The bank may experience stronger earnings growth due to improved operational leverage.
Why?
Digital lending platforms gaining traction
Strong retail loan demand in semi-urban markets
Expanding branch network
Investment Advice: Hold for compounding returns; track quarterly NPAs closely.
Continued growth in microfinance and MSME lending could drive valuation upgrades.
Why?
Increasing fee income from cross-selling
Enhanced risk management systems
Steady credit growth above industry average
Investment Advice: Maintain long-term positions; reinvest dividends.
By 2028, the bank could cross the ₹100 mark comfortably.
Why?
Strong retail loan book diversification
Higher return on assets (ROA) and return on equity (ROE)
Partnerships with fintech firms boosting reach
Investment Advice: Continue holding; potential for double-digit annualized growth.
The bank may strengthen its market position among top small finance banks.
Why?
Consistent profit growth
Expansion into newer states and regions
Improved brand visibility and customer loyalty
Investment Advice: Suitable for investors seeking stable growth and low beta exposure.
By 2030, Equitas SFB could emerge as a mid-cap banking leader.
Why?
Robust balance sheet with minimal stressed assets
Leading player in rural banking segment
Strong technology adoption improving efficiency
Investment Advice: Attractive for long-term wealth creation portfolios.
Yes — if you’re looking for steady growth from India’s rising financial inclusion sector.
Key Reasons to Invest:
Strong presence in high-growth rural and semi-urban markets
Diversified loan portfolio with minimal concentration risk
Increasing institutional investor confidence
Solid book value support at ₹52.17 per share
⚠️ Risks to Watch Out For:
Rising interest rates impacting NIMs
Potential increase in NPAs during economic downturns
Regulatory changes in small finance banking
Equitas Small Finance Bank Ltd has demonstrated resilience and growth in a competitive sector. With its expanding footprint, strong institutional backing, and prudent risk management, the stock offers potential for long-term investors.
Currently priced around ₹55–₹56, analysts believe the share could reach ₹155 by 2030, provided growth momentum continues. For investors seeking a blend of stability and growth in the BFSI sector, ESFB remains a promising option.
What is the share price target of Equitas SFB in 2025?
Analysts project a range of ₹60 to ₹68 for 2025.
Is Equitas SFB a good buy now?
If you seek steady growth with lower volatility, it can be considered, especially at current valuations.
What will be the future outlook for Equitas SFB?
Positive, given its expansion plans, strong CASA growth, and focus on underserved markets.
What is the current price of Equitas SFB?
Around ₹55–₹56 as of August 2025.
What is the 52-week high and low of Equitas SFB?
52-Week High: ₹86.90, 52-Week Low: ₹52.52.
Should I invest in Equitas SFB for the long term?
Yes, if you have a 5–7 year horizon and can tolerate moderate volatility.
Disclaimer: This article is for educational purposes only. Please consult a certified financial advisor before making investment decisions.
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