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.

Next Story
Infrastructure Urban

TBO Tek Q2 Profit Climbs 12%, Revenue Surges 26% YoY

TBO Tek Limited one of the world’s largest travel distribution platforms, reported a solid performance for Q2 FY26 with a 26 per cent year-on-year increase in revenue to Rs 5.68 billion, reflecting broad-based growth and improving profitability.The company recorded a Gross Transaction Value (GTV) of Rs 8,901 crore, up 12 per cent YoY, driven by strong performance across Europe, MEA, and APAC regions. Adjusted EBITDA before acquisition-related costs stood at Rs 1.04 billion, up 16 per cent YoY, translating into an 18.32 per cent margin compared to 16.56 per cent in Q1 FY26. Profit after tax r..

Next Story
Infrastructure Energy

Northern Graphite, Rain Carbon Secure R&D Grant for Greener Battery Materials

Northern Graphite Corporation and Rain Carbon Canada Inc, a subsidiary of Rain Carbon Inc, have jointly received up to C$860,000 (€530,000) in funding under the Canada–Germany Collaborative Industrial Research and Development Programme to develop sustainable battery anode materials.The two-year, C$2.2 million project aims to transform natural graphite processing by-products into high-performance, battery-grade anode material (BAM). Supported by the National Research Council of Canada Industrial Research Assistance Programme (NRC IRAP) and Germany’s Federal Ministry for Economic Affairs a..

Next Story
Infrastructure Urban

Antony Waste Q2 Revenue Jumps 16%; Subsidiary Wins Rs 3,200 Cr WtE Projects

Antony Waste Handling Cell Limited (AWHCL), a leading player in India’s municipal solid waste management sector, announced a 16 per cent year-on-year increase in total operating revenue to Rs 2.33 billion for Q2 FY26. The growth was driven by higher waste volumes, escalated contracts, and strong operational execution.EBITDA rose 18 per cent to Rs 570 million, with margins steady at 21.6 per cent, while profit after tax stood at Rs 173 million, up 13 per cent YoY. Revenue from Municipal Solid Waste Collection and Transportation (MSW C&T) reached Rs 1.605 billion, and MSW Processing re..

Advertisement

Subscribe to Our Newsletter

Get daily newsletters around different themes from Construction world.

STAY CONNECTED

Advertisement

Advertisement

Advertisement