Capital Small Finance Bank Limited has submitted to the Exchange, the financial results for the period ended March 31, 2026.
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Capital Small Finance Bank reported FY26 total income of ₹1,14,687 lacs, up about 15% from ₹99,452 lacs last year, while full-year net profit rose roughly 7.4% to ₹14,139 lacs from ₹13,165 lacs. Q4FY26 was stronger, with net profit of ₹4,008 lacs, up 17% YoY, and operating profit before provisions up 28% YoY to ₹5,982 lacs. Gross advances grew 21% to ₹8,687 cr and deposits grew 20% to ₹10,018 cr, supported by a healthy 22.3% capital adequacy ratio. Asset quality improved, with gross NPAs easing to 2.54% and net NPAs to 1.24%. The board proposed a higher dividend of ₹5 per share (vs ₹4 earlier), and appointed GSA & Associates LLP as the new statutory auditor for FY27–FY29, while designating two senior officials as SMPs. Operating cash flow swung to a negative ₹385 cr in FY26 from a positive ₹279 cr last year, mainly due to the sharp ₹1,503 cr jump in advances.
Positive for shareholders on the back of strong Q4 earnings, healthy loan and deposit growth, improved asset quality and a 25% hike in dividend. The sharp swing to negative operating cash flow is a watch point, though it largely reflects aggressive lending growth funded partly by deposits and borrowings.