Capital Small Finance Bank Limited has informed the Exchange about Transcript
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Capital Small Finance Bank filed the transcript of its Q2 FY26 earnings call held on October 30, 2025. Deposits grew 20% YoY to INR 9,317 crore with CASA at 33.9%, while gross advances rose 18% YoY to INR 7,907 crore (99.2% secured). Disbursements in the quarter jumped 36% YoY to INR 805 crore, driven by festive demand. NIM compressed to 4.04% from 4.1% in Q1 as full benefit of rate cuts hit the asset side while deposit repricing lags. PAT grew modestly 5% YoY to INR 35 crore. Asset quality stayed stable with GNPA at 2.70% and net NPA at 1.38%, despite Punjab floods affecting a few districts. The bank crossed 200 branches and launched a new partnership-led lending model with NBFCs (FLDG-based) targeting new geographies like Rajasthan, Gujarat, and Madhya Pradesh.
Positive for shareholders — management gave clear visibility on NIM recovery (targeting 4.1% by Q4 FY26 and 4.2-4.3% beyond) supported by deposit repricing benefits, and outlined multi-year growth targets including doubling the loan book by FY29 with ROTA of 1.6%+ and ROE of 15%+. The NBFC partnership model opens a new growth lever in untapped geographies without straining capital (CAR at 24.2%).