Capital Small Finance Bank announced Q1FY27 results Financial Highlights: Interest Earned for Q1FY27 was Rs 28,818 lakh, representing a growth of 16.63% compared to Rs 24,708 lakh in Q1FY26 and an increase of 5.51% from Rs 27,314 lakh in Q4FY26. Total Income for the quarter stood at Rs 31,430 lakh, marking a YoY growth of 16.42% from Rs 26,996 lakh in Q1FY26 and a QoQ growth of 5.14% from Rs 29,892 lakh in Q4FY26. Other Income in Q1FY27 reached Rs 2,612 lakh, up 14.16% YoY from Rs 2,288 lakh and up 1.32% QoQ from Rs 2,578 lakh. Operating Profit before Provisions and Contingencies was Rs 6,435 lakh in Q1FY27, showing an increase of 25.32% from Rs 5,135 lakh in Q1FY26 and an increase of 7.57% from Rs 5,982 lakh in Q4FY26. Net Profit for Q1FY27 stood at Rs 4,130 lakh, reflecting a YoY growth of 29.02% against Rs 3,201 lakh in Q1FY26 and a QoQ increase of 3.04% compared to Rs 4,008 lakh in Q4FY26. Business Highlights: Advances and Deposits: The gross loan book grew 22% YoY to reach Rs 9,074 crore in Q1FY27. Total deposits increased by 16% YoY to stand at Rs 10,596 crore. Asset Quality: Gross NPA improved to 2.47% in Q1FY27 from 2.54% in Q4FY26. Net NPA stood at 1.14% in Q1FY27 compared to 1.24% in Q4FY26. The Provision Coverage Ratio (PCR) increased to 54.51% in Q1FY27. Key Ratios: Net Interest Margin (NIM) expanded to 4.21% in Q1FY27 from 4.06% in Q4FY26. Return on Assets (ROA) was 1.30% and Return on Equity (ROE) was 11.20% for the quarter. Liability Franchise: The CASA ratio remained healthy at 36.7% in Q1FY27, with retail deposits continuing to share approximately 90%++ of the mix. Network: The bank operates a network of 216 branches across 5 states and 2 Union Territories as of Q1FY27. Segment-wise Revenue (Q1FY27): Retail Banking: Rs 26,335 lakh Treasury: Rs 5,977 lakh Wholesale Banking: Rs 3,816 lakh Other Banking Operations: Rs 1,111 lakh Sarvjit Singh Samra, Managing Director & CEO, said: "The Bank commenced the financial year on strong footing, with healthy advance growth in Q1FY27. The gross advances stood at Rs 9,074 crores as of June 30, 2026, reflecting a year-on-year growth of 22.0% and quarter-on-quarter growth of 4.5%. The disbursements during the quarter increased to Rs 1,009 crores, as compared to Rs 865 crores in Q1FY26 reflecting a growth of 16.5%. Total deposits increased to Rs 10,596 crores as of June 30, 2026 registering a year-on-year growth of 16.3% and quarter-on-quarter growth of 5.8%. The CASA ratio remained healthy and stood at 36.7% as of June 30, 2026, as compared to 34.7% as of March 31, 2026 and 35.9% as of June 30, 2025, reflecting continued strengthening of the Bank's retail deposit franchise and deeper customer engagement across its branch network. Asset quality continued to improve, with Gross NPA reducing to 2.47% from 2.54% in the previous quarter and 2.75% a year ago, while Net NPA improved to 1.14% from 1.24% in the previous quarter and 1.39% a year ago. The Provision Coverage Ratio (PCR) increased to 54.5% against 51.9% during the previous quarter. The loan book remains well-diversified, with ~98% being secured, consistent with the Bank’s prudent, retail-focused lending philosophy Net Interest Margin improved to 4.21% against 4.06% in the previous quarter and 4.06% in a year ago. The same is supported by decline in deposit cost on repricing, coupled with acceleration in the CD ratio. Non-interest income remained at 0.82% of average total assets, reflecting the Bank's diversified earnings profile and continued contribution from fee-based businesses. Operating margins remained strong at 2.04% against 1.94% a year ago. Pre-Provision Operating Profit increased by 23.1% year-on-year to Rs 64.7 crore and Profit After Tax increased by 29.0% year-on-year to Rs 41.3 crore. Return on Assets stood at 1.30%, reflecting the overall improvement in operating performance. We remain focused on expanding our presence across the middle-income segment, strengthening customer relationships, maintaining asset quality and delivering sustainable, profitable growth during FY27" Result PDF
Microfinance Institutions company Capital Small Finance Bank announced Q4FY26 & FY26 results Q4FY26 Financial Highlights: Total Income: Rs 29,892 lakh in Q4FY26, compared to Rs 29,839 lakh in Q3FY26 (up 0.18% QoQ) and Rs 25,703 lakh in Q4FY25 (up 16.30% YoY). Interest Earned: Rs 27,314 lakh in Q4FY26, compared to Rs 27,192 lakh in Q3FY26 (up 0.45% QoQ) and Rs 23,146 lakh in Q4FY25 (up 18.01% YoY). Operating Profit (PPOP): Rs 5,982 lakh in Q4FY26, compared to Rs 5,167 lakh in Q3FY26 (up 15.77% QoQ) and Rs 4,684 lakh in Q4FY25 (up 27.71% YoY). Net Profit (PAT): Rs 4,008 lakh in Q4FY26, compared to Rs 3,441 lakh in Q3FY26 (up 16.48% QoQ) and Rs 3,424 lakh in Q4FY25 (up 17.06% YoY). Earnings Per Share (EPS): Basic EPS stood at Rs 8.82 in Q4FY26, compared to Rs 7.60 in Q3FY26 and Rs 7.57 in Q4FY25. Net Interest Margin (NIM): 4.06% in Q4FY26, compared to 4.01% in Q3FY26 and 4.09% in Q4FY25. FY26 Financial Highlights: Total Income: Rs 1,14,687 lakh in FY26, compared to Rs 99,452 lakh in FY25 (up 15.32% YoY). Interest Earned: Rs 1,04,860 lakh in FY26, compared to Rs 90,850 lakh in FY25 (up 15.42% YoY). Operating Profit (PPOP): Rs 21,351 lakh in FY26, compared to Rs 18,543 lakh in FY25 (up 15.14% YoY). Net Profit (PAT): Rs 14,139 lakh in FY26, compared to Rs 13,165 lakh in FY25 (up 7.40% YoY). Net Cash Flow from Operating Activities: Net cash used in operating activities was Rs (38,509) lakh in FY26, compared to net cash generated of Rs 27,949 lakh in FY25. Earnings Per Share (EPS): Basic EPS for the year stood at Rs 31.20, compared to Rs 29.18 in FY25 (up 6.92% YoY). Dividend: The Board recommended a final dividend of Rs 5/- per equity share (50% on face value of Rs 10/- each) for the financial year ended March 31, 2026. Business Highlights: Advances & Deposits: Gross advances grew by 21% YoY to Rs 8,68,700 lakh. Total deposits grew by 20% YoY to Rs 10,01,800 lakh. Asset Quality: Gross NPA improved to 2.54% as of March 31, 2026, compared to 2.58% as of March 31, 2025. Net NPA stood at 1.24% compared to 1.30% in the previous year. CASA Ratio: The CASA ratio remained healthy at 34.7% as of March 31, 2026. Capital Adequacy: Capital Adequacy Ratio (CAR) stood at 22.31% as of March 31, 2026, with a Tier-I ratio of 19.58%. Disbursements: Healthy disbursements of Rs 3,50,800 lakh were recorded for FY26 (up 23% YoY). Branch Network: The branch network expanded to 211 branches across 5 states and 2 Union Territories. Digital Transactions: The share of digital transactions in non-cash transactions increased to 91% in Q4FY26 from 89% in Q4FY25. NCD Redemption: The Bank exercised its call option for Series XI and XIII bonds, which were redeemed on March 31, 2026, and March 30, 2026, respectively. Personnel Updates: Mr. Raghav Aggarwal was designated as Chief Credit Officer (Branch Banking) and Mr. Manish Khurana as Head of Internal Audit, both as Senior Management Personnel (SMP), effective April 29, 2026. Result PDF
Capital Small Finance Bank announced Q3FY26 results Advances up 19.8% and Deposits up 18.5% YoY. CASA improves to 35.9% from 33.9% a quarter back. Disbursement for the quarter rose 24.7% YoY to Rs 919 crore YoY. Net Interest Income up 11.4%, Non-Interest Income rose 46.1% and gross revenue up 17.9%, YoY during the quarter. PPOP growth of 20% YoY and PAT growth of 12.6% YoY. With exceptional item, PPOP & PAT growth of 9% and 1% respectively YoY. ROA at 1.3%/1.2%. Sarvjit Singh Samra, Managing Director & CEO, Capital Small Finance Bank, said: “The quarter ended December 31, 2025 reflected steady balance sheet expansion and stable operating metrics, underscoring the strength of our relationship-led banking model. Gross advances grew to Rs 8,164 crore, registering a 19.8% YoY increase, driven by sustained traction across MSME and LAP portfolio. Deposits stood at Rs 9,931 crore, up 18.5% YoY, with a healthy CASA ratio of 35.9%, highlighting the resilience and granularity of our retail liability franchise. Disbursements during the quarter rose to Rs 919 crore, supported by consistent demand across secured lending products. Asset quality remained stable, with gross and net NPA stood at 2.68% and 1.35% respectively, improving sequentially by 2 bps and 3 bps respectively, reflecting prudent underwriting, strong collections, and our continued focus on secured lending. Net interest margin remained stable at 4.0%, while profit after tax stood at Rs 34 crore, despite an exceptional one-time cost impact during the quarter on New Labour Code implementation related to past employee services. Excluding this one-off impact, Operating profit before provisions has grown by 20.0% and PAT have grown by 12.6% YoY, highlighting the underlying strength of our core earnings. Looking ahead, as the sector continues to balance growth with asset quality, we are witnessing steady demand for retail and MSME credit, particularly in secured and cash-flow–linked products. We are confident in our ability to support incremental credit growth and our focus remains on strengthening core franchise, improving balance sheet efficiency, and expanding our presence in contiguous geographies in a calibrated manner. Supported by strong capital adequacy and a stable operating environment, we are well positioned to sustain consistent growth while maintaining asset quality and profitability.” Result PDF
Microfinance Institutions company Capital Small Finance Bank announced Q2FY26 results Gross Advances rise 17.7% YoY, 6.3% QoQ and 10.1% YTD to Rs 7,907 crore. Deposits up 19.8% YoY, 2.3% QoQ and 12.0% YTD to Rs 9,317 crore. Disbursement during Q2FY26 rise 36.2% YoY to Rs 805 crore. Profit After Tax increases 4.6% YoY to Rs 35 crore. ROA during Q2FY26 improved to 1.3% (vs 1.2% in Q1FY26). GNPA / NNPA maintained at 2.70% / 1.38%, slightly improved from the last quarter (2.75%/1.39%). Capital Adequacy Ratio robust at 24.2%. Sarvjit Singh Samra, Managing Director & CEO, Capital Small Finance Bank, said: "The quarter ended September 30, 2025 was marked by healthy credit offtake and stable margins, reflecting the strength of our core operating model. Our total deposits reached Rs 9,317 crore, up ~20% YoY, with CASA at 33.9%, highlighting the stability of our retail deposit franchise. Gross advances stood at Rs 7,907 crore, growing ~18% YoY, supported by healthy disbursement activity across mortgage, MSME, and agriculture segments. Disbursements during the quarter rose to Rs 805 crore, up 36% YoY, aided by festive demand, improved business sentiment, and strong rural cash flows. Asset quality remained stable with gross NPA at 2.70% and net NPA at 1.38%, reflecting continued prudence and strong recoveries. Our Net interest margin Stood at 4.0%, and profit after tax at Rs 35 crore, up 5% YoY, supported by steady operating performance. We are confident that with the supportive macro backdrop including benign inflation, GST-led consumption boost, and strong festive momentum we are well-positioned to sustain healthy growth in deposits and advances in the second half of the year.” Result PDF
Capital Small Finance Bank announced Q1FY26 results Gross Advances rise by 16.4% YoY and 3.5% QoQ to Rs 7,437 crore. Disbursements increases 15% YoY to Rs 865 crore. Deposits up 17.1% YoY and 9.5% QoQ to Rs 9,110 crore. Profit After Tax increases 7% YoY to Rs 32 crore. Non-Interest Income and Operating profit rise by 38% and 24% YoY to Rs 23 crore and Rs 53 crore, respectively. Net Interest Margin (NIM) stood at 4.1% against 4.1% in Q4FY25. ROA stood at 1.2% against 1.3% in Q1FY25. GNPA / NNPA maintained at 2.7% / 1.4% respectively, against 2.7% / 1.3% in Q1FY25. Sarvjit Singh Samra, Managing Directors & CEO of Capital Small Finance Bank, said: “The quarter was marked by declining interest rate, accommodating monetary policy and elevated asset quality concerns in certain segments. The Bank remained focused on building a granular, high-quality loan book—prioritising segments with stable repayment behaviour and longterm value, rather than pursuing volume in riskier or unsecured asset classes. Further, despite broader industry shift of customer to term deposits, the Bank continue to maintain a healthy CASA share, reflecting strong retail deposit franchise.” “Total deposits increased to Rs 9,110 crore, registering a YoY growth of 17.1% and a QoQ growth of 9.5%. CASA stood healthy at 35.9% as of June 30, 2025. The gross advances of the Bank stood at Rs 7,437 crore, reflecting YoY growth of 16.4% and QoQ growth of 3.5%. The disbursements rose to Rs 865 crore, up from Rs 754 crore in Q1FY25, YoY growth of 15%. The loan book remains well-diversified, with 99.8% being secured with Zero direct MFI exposure, in line with the Bank’s retail-centric lending approach. The Bank has maintained net interest margin (NIM) of 4.1% (4.1% in Q4FY25), despite the declining interest rate regime. The operating profit (PPOP) has grown by 24%, supported by increase in non-interest income by 38% and reduction in cost-to-income ratio to 60.5% (62.6% for Q4FY25). The profit after tax rose to Rs 32 crore, registering growth of 7% YoY.” he elaborated. “The asset quality remained stable, with gross NPAs at 2.7% as of June 30, 2025, unchanged on a YoY basis and marginally higher than 2.6% in Q4FY25. The net NPAs for the quarter ended June 30, 2025 at 1.4%. Overall asset quality remained strong.” Result PDF
Microfinance Institutions company Capital Small Finance Bank announced Q4FY25 & FY25 results Financial Highlights: Profitability and Operational Efficiency: PAT increased to Rs 132 crore for FY25 and for Q4FY25 at Rs 34 crore, growth of 18% on YoY basis and 21% Q-o-Q basis from FY24 and Q4FY24 respectively. NIM rose to 4.2% for FY25 and to 4.1% for Q4FY25 from 3.9% in FY24 and 3.8% in Q4FY24, supported by improving CD ratio. Cost to Income Ratio remained stable at 62.3% during FY25 and 62.6% during Q4FY25 against 62.5% in FY24 and 63.5% during Q4FY24. ROA improved to 1.4% in FY25 and to 1.4% in Q4FY25, from 1.3% in FY24 and 1.2% in Q4FY24. ROE stood at 10.4% for FY25 and 10.8% for Q4FY25, post recent capital raise. Gross Advances stood at Rs 7,184 crore: 17% growth YoY and Q-o-Q growth of 6%. healthy disbursement of Rs 2,846 crore in FY25 with YoY growth of 38%. 99.8% of the loan book being secured, reaffirming our prudent lending strategy. Granular portfolio with an average ticket size of Rs 16 lacs; 61% of exposure being upto Rs 25 lacs. Well-diversified book: ~32% Agriculture, ~21% MSME, ~27% Mortgage. Deposits stood at Rs 8,323 crore: YoY growth of 11% with stable rollover ratio of ~90%. CASA ratio at 36.9%, reflecting consistent deposit franchise. Retail deposits form 92.5% of total deposits, indicating a sticky and low-cost liability base. Asset Quality and Capital Position: GNPA at 2.58%, NNPA at 1.30% – reflecting a healthy credit profile against GNPA of 2.76%, NNPA of 1.40% in FY24.. Credit cost contained at 0.12% against 0.08% in FY24. Capital Adequacy Ratio at 25.4%, with Tier-I Capital at 21.7%. Sarvjit Singh Samra, MD & CEO, Capital Small Finance, said: “We are pleased to share the financial performance of Capital Small Finance Bank for the quarter and year ended March 31, 2025 — a year marked by healthy advance growth, improved asset quality, and improving return matrix. Despite a challenging macro environment of high interest rates, tighter monetary policy and sectoral asset quality concerns, the Bank witnessed healthy loan growth with improved asset quality, with 99.8% of loans being secured and Gross NPAs improving to 2.58%. We delivered a robust performance with gross advances rising 17% YoY to Rs 7,184 crore and disbursements growing by 38% to Rs 2,846 crore. Owing to lower CD ratio and high liquidity ratios, we chosen calibrated Deposits growth that grew 11% to Rs 8,323 crore. Our CASA ratio stood strong at 36.9%, underscoring the trust of our retail customers. Profit after tax grew 18% to Rs 132 crore, with improvements in both ROA to 1.4% against 1.3% in FY24 and in NIM to 4.2% against 3.9% in FY24. Digital transactions surged to 88%, reflecting our transformation into a technology-led, agile institution. This year marks a special moment in our journey — 9 years as India’s first Small Finance Bank, and 25 years as a trusted financial institution. The milestone reflects our commitment to inclusive banking and long-term value creation. We focused on deepening customer trust, expanding responsibly and building a resilient and agile institution which is Future Ready.” Result PDF
Capital Small Finance Bank announced Q3FY25 results Gross Advances: Rs 6,816 crore as of December 2024, change +19% YoY +11% YTD. Profit After Tax: Rs 34 crore (Q3FY25) compared to Rs 29 crore (Q3FY24), change +18% YoY +17% YTD. Deposits: Rs 8,384 crore as of December 2024, change +12% YoY +12% YTD. ROA: 1.4% (Q3FY25) compared to 1.3% (Q3FY24). Disbursement: Rs 737 crore (Q3FY25), change +92% YoY +49% YTD. Asset Quality: 2.67%/1.35% (Q3FY25) 2.97%/1.53% (Q3FY24) GNPA/NNPA. CASA Ratio: 39.1% for Q3FY25. Retail Deposit Ratio: 93.2% for Q3FY25. ROE: 10.9% for Q3FY25. CRAR: 25.8% Core CRAR 21.9% for Q3FY25. Collection Efficiency: 100.5% for Q3FY25. Result PDF
Capital Small Finance Bank announced Q2FY25 results Profit after Tax increases to Rs 33.3 crore with 37% growth YoY basis. ROA increases to 1.4% in Q2FY25 against 1.1% in Q2FY24. NIM increases to 4.2% in Q2FY25 against 4.0% in Q2FY24. Cost to Income Ratio decreases to 61.4% in Q2FY25 against 64.8% in Q2FY24 Gross Advances increases by 5% QoQ and 15% YoY to Rs 6,718 crore, with 99.8% being secured and Zero direct MFI exposure. Deposit increases by 11% YoY to Rs 7,780 crore, with 93.7% being the retail deposit. CASA ratio of 37.1% in Q2FY25 against 37.8% a year back. Total Shareholder’s fund stood at Rs 1,266 crore. Average CD ratio increases to 82.4% in Q2FY25 from 79.6% in Q1FY25. Capital Adequacy Ratio stood at 26.3%. Gross NPA and Net NPA of 2.6% and 1.3% respectively in Q2FY25 against 2.7% and 1.4% in Q2FY24, with ~ZERO write offs. Sarvjit Singh Samra, MD & CEO of Capital Small Finance Bank said: “Turning Intent into Actions as we tread on our growth journey. We have successfully closed the September 2024 quarter with a remarkable Rs 33.3 crore Profit After Tax (PAT), reflecting a strong 37% growth on a year-on-year basis, with Return on Assets (ROA) of 1.4% (1.1% in Q2FY24). Our gross advances have grown to Rs 6,718 crore, registering a growth of 15% yearon-year and 5% on quarter-on-quarter basis. Our asset quality further improved, with gross NPA reduced to 2.6% & net NPA to 1.3%, against 2.7% & 1.4% respectively during the corresponding quarter. We continue to maintain a healthy CASA ratio of 37%++, aligned with our strategic focus.” Result PDF