Capital Small Finance Bank Reports 18 per cent Loan Growth in Q2 FY26

03 Nov 2025 CW Team

Capital Small Finance Bank reported a robust performance for Q2 FY26, with gross advances rising 17.7 per cent year-on-year to Rs 79.07 billion and deposits increasing 19.8 per cent to Rs 93.17 billion. The bank’s profit after tax stood at Rs 350 million, up 4.6 per cent year-on-year, while the capital adequacy ratio remained strong at 24.2 per cent.

Disbursements during the quarter rose 36.2 per cent year-on-year to Rs 8.05 billion, driven by strong demand across mortgage, MSME, and agriculture segments. Asset quality remained stable with GNPA at 2.70 per cent and NNPA at 1.38 per cent, showing marginal improvement from the previous quarter.

Sarvjit Singh Samra, Managing Director and CEO, said the bank’s stable margins and strong retail franchise underpin its consistent performance. CASA stood at 33.9 per cent, reflecting deposit stability, while the net interest margin remained at 4 per cent.

The bank expanded its physical presence to 200 branches across five states and two Union Territories and entered into partnerships with select NBFCs to strengthen its secured lending portfolio.

Equipment

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