CSB Bank Limited has informed the Exchange regarding 'Business Updates for the financial year ended March 31, 2026'.
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CSB Bank has reported provisional business figures for FY ended March 31, 2026. Total deposits grew 20% YoY to ₹44,246 crore, driven primarily by a 27% jump in term deposits to ₹35,414 crore, while CASA (current and savings account) deposits declined 1% to ₹8,832 crore. Gross advances rose 27% YoY to ₹40,364 crore, with gold-backed advances surging 53% to ₹21,567 crore, indicating heavy reliance on gold loan as a growth driver. The numbers are provisional and subject to audit.
Strong deposit and advance growth is positive, but the declining CASA ratio and outsized gold loan concentration (over half of advances) may raise concerns about portfolio diversification and cost of funds as term deposits typically carry higher interest rates.