Information only
Equitas Small Finance Bank is a small finance bank, a category of bank licensed by the Reserve Bank of India (RBI). RBI lists its address in Chennai. It began as Equitas Finance Limited, which was renamed Equitas Small Finance Bank Limited on 2 September 2016 and started banking operations on 5 September 2016. Its lending includes vehicle finance, home loans, loans against property, gold loans, small business loans and microfinance. This page is an information summary, not an offer, and it does not compare the bank with other lenders.
Loans it offers
Retail and MSME loans Equitas Small Finance Bank lists
| Loan | What to know |
|---|---|
| Home loans | Offered to salaried and self-employed borrowers, with the property as security. The bank also has an affordable housing line. |
| Loans against property | A secured loan against property you own. Valuation and legal checks apply, and the amount depends on the property's value. |
| Business and MSME loans | Small business loans and finance for micro and small enterprises, with cash credit and overdraft facilities for some business customers. |
| Car loans | Vehicle finance is a main line, covering passenger and commercial vehicles, new and used. The vehicle is the security. |
| Gold loans | A loan secured on gold, repaid in EMIs over a period the bank sets; RBI sets loan-to-value limits. |
Read how these loans work on LOANZ 360: home loans, loans against property, business loans, car loans, gold loans. This list reflects the bank's publicly known range; its own product pages could not be opened on 8 November 2026. The bank's own website is the record of current products.
Key facts
| Fact | Detail |
|---|---|
| Regulator category | Small finance bank |
| Registered office (RBI listing) | Chennai, Tamil Nadu |
| Former name | Equitas Finance Limited, renamed Equitas Small Finance Bank Limited on 2 September 2016 |
| Banking operations began | 5 September 2016, after an RBI licence, according to RBI's press release |
| Holding company merger | The promoter, Equitas Holdings Limited, merged into the bank under a scheme the National Company Law Tribunal sanctioned in early 2023 |
| Ownership | A listed company; its stock-exchange shareholding filings show the current shareholders |
As of 8 November 2026, RBI lists Equitas Small Finance Bank as a small finance bank.
Before you apply
- A small finance bank is an RBI-licensed bank that must meet priority-sector lending requirements and serves segments that larger banks may reach less.
- For a vehicle loan, check whether the offer includes insurance or other add-ons and whether they are optional.
- For a gold or property loan, ask how the bank values your asset and what happens if its value falls.
- Compare offers on the APR from the Key Fact Statement, which includes charges.
- Lender-set charges such as processing, foreclosure and penal fees differ between banks.
See how this bank's current rates compare with others on the interest rates page. Checking your own credit score does not lower it. This helps avoid unnecessary credit enquiries; too many lender checks in a short time can lower your score.
Rates for many banks sit side by side on interest rates, and other banks are listed under lenders. The partner or information-only label on this page comes from live data on the site. Where the bank is shown as information only, apply on its own website.
Equitas Small Finance Bank’s own website
Last updated 12 Nov 2026