+
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

DRDO Successfully Tests UAV-Launched Missile V3

The Defence Research and Development Organisation (DRDO) has successfully conducted flight trials of the Unmanned Aerial Vehicle Launched Precision Guided Missile (ULPGM)-V3 at the National Open Area Range in Kurnool, Andhra Pradesh.The ULPGM-V3, an upgraded version of the earlier ULPGM-V2, features a high-definition dual-channel seeker, day-and-night operational capability, and a two-way data link that allows post-launch target updates. It can be fitted with three modular warheads – anti-armour, penetration-cum-blast for bunkers, and pre-fragmentation for high lethality.The missile was rele..

Next Story
Infrastructure Urban

MoD Signs Rs 2,000 Cr Deal for Air Defence Radars

The Ministry of Defence (MoD) has signed a contract worth approximately Rs 2,000 crore with Bharat Electronics Limited (BEL) for the procurement of Air Defence Fire Control Radars under the Buy (Indian–Indigenously Designed, Developed and Manufactured) category.The agreement, signed in New Delhi in the presence of Defence Secretary Rajesh Kumar Singh, marks a significant milestone in the modernisation of the Army’s Air Defence Regiments.The new radars, with at least 70 per cent indigenous content, will be capable of detecting fighter aircraft, attack helicopters, and drones. The procuremen..

Next Story
Infrastructure Urban

Indian Navy Ships Reach Vietnam to Boost Maritime Ties

As part of its operational deployment to Southeast Asia, Indian Naval Ships Delhi, Shakti and Kiltan of the Eastern Fleet, under the command of Rear Admiral Susheel Menon, arrived at Tien Sa Port, Da Nang, Vietnam, on 24 July 2025. The ships were accorded a ceremonial welcome by the Vietnam People’s Navy and the local People’s Committee, showcasing the growing warmth in bilateral relations.During the visit, Rear Admiral Menon will hold meetings with senior officials of Military Region 5, Vietnam People’s Army, Da Nang People’s Committee, and Naval Region 3 of the Vietnam People’s Nav..

Advertisement

Subscribe to Our Newsletter

Get daily newsletters around different themes from Construction world.

STAY CONNECTED

Advertisement

Advertisement

Advertisement

Talk to us?