Capital Small Finance Bank Reports Steady Growth in Q1 FY26
ECONOMY & POLICY

Capital Small Finance Bank Reports Steady Growth in Q1 FY26

Capital Small Finance Bank has announced its unaudited financial results for the quarter ended June 30, 2025 (Q1 FY26), reporting consistent growth across key parameters, reinforcing its position as a stable, retail-focused banking institution.

Sarvjit Singh Samra, Managing Director & CEO, said, "Despite a soft interest rate environment and sectoral asset quality challenges, we remained focused on building a high-quality, secured loan portfolio and retaining a strong CASA ratio. Our strategy continues to prioritise long-term value and disciplined lending."

Key highlights from Q1 FY26:

  • Total deposits stood at Rs 91.10 billion, up 17.1% YoY and 9.5% QoQ
  • CASA ratio remained strong at 35.9%
  • Gross advances reached Rs 74.37 billion, growing 16.4% YoY and 3.5% QoQ
  • Disbursements rose to Rs 8.65 billion, up from Rs 7.54 billion YoY (15% growth)
  • Loan book is 99.8% secured, with zero direct MFI exposure
  • Net Interest Margin (NIM) held steady at 4.1%
  • Operating profit (PPOP) grew 24%, aided by a 38% increase in non-interest income
  • PAT rose 7% YoY to ₹32 crore
  • Asset quality remained stable with GNPA at 2.7% and NNPA at 1.4%

The bank also achieved a reduction in its cost-to-income ratio to 60.5%, down from 62.6% in Q4 FY25.

With a well-diversified, secured loan book and a resilient retail deposit base, Capital Small Finance Bank continues to strengthen its fundamentals while delivering consistent performance.


Capital Small Finance Bank has announced its unaudited financial results for the quarter ended June 30, 2025 (Q1 FY26), reporting consistent growth across key parameters, reinforcing its position as a stable, retail-focused banking institution.Sarvjit Singh Samra, Managing Director & CEO, said, Despite a soft interest rate environment and sectoral asset quality challenges, we remained focused on building a high-quality, secured loan portfolio and retaining a strong CASA ratio. Our strategy continues to prioritise long-term value and disciplined lending.Key highlights from Q1 FY26:Total deposits stood at Rs 91.10 billion, up 17.1% YoY and 9.5% QoQCASA ratio remained strong at 35.9%Gross advances reached Rs 74.37 billion, growing 16.4% YoY and 3.5% QoQDisbursements rose to Rs 8.65 billion, up from Rs 7.54 billion YoY (15% growth)Loan book is 99.8% secured, with zero direct MFI exposureNet Interest Margin (NIM) held steady at 4.1%Operating profit (PPOP) grew 24%, aided by a 38% increase in non-interest incomePAT rose 7% YoY to ₹32 croreAsset quality remained stable with GNPA at 2.7% and NNPA at 1.4%The bank also achieved a reduction in its cost-to-income ratio to 60.5%, down from 62.6% in Q4 FY25.With a well-diversified, secured loan book and a resilient retail deposit base, Capital Small Finance Bank continues to strengthen its fundamentals while delivering consistent performance.

Related Stories

Gold Stories

Next Story
Infrastructure Urban

KONE Opens India's First Digital Experience Centre in Pune

KONE, a global elevator and escalator manufacturer, has inaugurated its first Digital Experience Centre (DEC) in India, located in Pune. The facility aims to showcase how artificial intelligence (AI), connectivity and data-driven technologies can enhance customer experiences and improve building operations.The centre was inaugurated by Jussi Herlin, Executive Vice Chair, KONE Corporation; Philippe Delorme, President and CEO, KONE; and Nandan Nilekani, Co-founder and Chairman of the Board, Infosys.Designed as an interactive customer environment, the facility demonstrates digital solutions cover..

Next Story
Infrastructure Urban

CII GreenCo Launches Circularity Guidelines for Indian Industry

The Confederation of Indian Industry (CII) GreenCo Council has launched the CII GreenCo Circularity Guidelines – Pilot Version at the 17th CII GreenCo Waste & Resource Management Summit 2026 in Chennai. The initiative aims to strengthen resource efficiency, waste reduction and circular economy practices across Indian manufacturing and process industries.The guidelines introduce a structured framework with circularity indices covering raw materials, consumables, packaging and other resource inputs. These indicators will help industries assess existing practices, identify opportunities to ..

Next Story
Infrastructure Energy

Global Electronics Association Launches IPC-1783-CO2E Standard

The Global Electronics Association has introduced IPC-1783-CO2E, a new international standard aimed at improving consistency, transparency and comparability in product carbon footprint reporting across the electronics manufacturing industry.The standard, titled International Standard for Data Collection and Reporting of CO2 Equivalent (CO2e) Emissions for the Electronics Manufacturing Supply Chain, provides industry-specific guidance for collecting, estimating and reporting carbon emissions data.With increasing regulatory requirements and customer expectations, electronics manufacturers face c..

Advertisement

Subscribe to Our Newsletter

Get daily newsletters around different themes from Construction world.

STAY CONNECTED

Advertisement

SPECIAL OFFER
QR Code