Capital Small Finance Bank Limited has informed the Exchange about Transcript
CAPITALSFB · price
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Capital Small Finance Bank reported Q1 FY26 results with deposits growing 17.1% YoY to INR 9,110 crores and gross advances up 16.4% YoY to INR 7,437 crores. Net Interest Margin held steady at 4.1% while profit grew 7% YoY to INR 32 crores and operating profit rose 24%, supported by a 38% jump in non-interest income and cost-to-income ratio improving to 60.5% from 62.6%. Asset quality remained broadly stable with gross NPAs at 2.7% and net NPAs at 1.4%, though credit cost rose to 0.37% due to one-time slippage from a small NBFC/MFI exposure (under 1% of book), which management called temporary. Management guided to 20% loan growth in FY26, plans to add 20-25 new branches including expansion into Haryana (next Punjab strategy), and aims to slightly improve ROTA over FY25's 1.4% while targeting net NPAs below 1%.
Steady operational execution with margin stability and improving cost efficiency should support investor confidence, though the MFI-related credit cost spike warrants monitoring. The 20% loan growth guidance and branch expansion plan signal management's confidence in scaling the franchise beyond Punjab.