Capital Small Finance Bank Limited has informed the Exchange regarding a press release dated July 24, 2025, titled "Press release on Un - audited financial results".
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Capital Small Finance Bank reported its Q1 FY26 results showing steady growth across key metrics. Gross Advances rose 16.4% year-on-year to ₹7,437 crore, while Deposits grew 17.1% year-on-year to ₹9,110 crore, with CASA ratio holding healthy at 35.9%. Profit After Tax increased 7% year-on-year to ₹32 crore, supported by a 38% jump in non-interest income (₹23 crore) and a 24% rise in operating profit (₹53 crore). Net Interest Margin was steady at 4.1%, and asset quality remained stable with GNPA at 2.7% and NNPA at 1.4%. The loan book is 99.8% secured with zero direct microfinance exposure, and the bank operates 195 branches across 5 states and 2 union territories.
For shareholders, the results show consistent business growth and stable asset quality, though profit growth at 7% trails top-line expansion, and ROA dipped slightly to 1.2% from 1.3% last year. The improved cost-to-income ratio (60.5% vs 62.6%) and strong deposit growth are positives, while the secured, retail-focused loan book reduces risk in a rate-cut environment.