Operates as a private sector bank offering retail, wholesale and treasury banking. Retail Banking is the largest earnings contributor at 57.7% of segment revenue (Rs 1,849.8 crore), followed by Corporate/Wholesale Banking at 23.3% (Rs 748.68 crore), Treasury at 16.1% (Rs 514.82 crore) and Other Banking Operations at 2.9% (Rs 93.54 crore) for the period ended December 2024. The loan book is heavily weighted to gold-backed lending — at Rs 21,906 crore against gross advances of Rs 40,866 crore as of Q1 FY27, growing 47% year-on-year. Deposits totalled Rs 45,415 crore with term deposits at Rs 36,600 crore. Asset quality stayed tight with gross NPAs at 1.75% and net NPAs at 0.39%, supported by a CRAR of 19.96%. Total assets reached Rs 57,726.52 crore at FY26, when net profit was Rs 633.18 crore. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Retail Banking (58%), Corporate/Wholesale Banking (23%), Treasury (16%), Other Banking Operations (3%). Private sector, gold-loan-heavy, branch-led bank scaling under SBS 2030 strategy
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| EBITDA (ex other income) | — | — | — | — | — |
| margin % | — | — | — | — | — |
| Owners' profit | 458 | 547 | 567 | 594 | 633 |
| EPS, as reported (₹) | 26.43 | 31.55 | 32.67 | 34.23 | 36.50 |
| ROE % · ROCE % | — · — | — · — | — · — | — · — | — · — |
| Debt / equity (x) | — | — | — | — | — |
| Cash from operations | (858) | 2,211 | 1,783 | (5,256) | (314) |
| Capex | — | — | — | — | — |
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Profit before tax | 186 | 204 | 257 | 160 | 216 | 205 | 271 | 202 |
| Net profit | 138 | 152 | 190 | 119 | 160 | 153 | 202 | 150 |
| EPS (₹) | 7.98 | 8.74 | 10.98 | 6.84 | 9.24 | 8.80 | 11.62 | 8.65 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| HDFC BANK LTD | 10,90,797 | 13.8 | — | — | — | — | — | — |
| ICICI BANK LTD. | 9,89,606 | 17.6 | — | — | — | — | — | — |
| KOTAK MAHINDRA BANK LTD | 4,16,767 | 10.9 | — | — | — | — | — | — |
| AXIS BANK LIMITED | 3,87,606 | 13.9 | — | — | — | — | — | — |
| IDBI BANK LIMITED |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 9 Sept 2026 · CSB Bank clarifies it has no info on Fairfax-IIFL-IDBI news item | compliance | low | — | — |
| 8 Sept 2026 · RBI approves ICICI Prudential AMC to acquire up to 9.95% stake in CSB Bank | ownership changes | high | — | — |
| 8 Sept 2026 · BSE seeks clarification from CSB Bank on Fairfax-related news report | regulatory legal | medium | — | — |
| 8 Sept 2026 · Routine disclosure of investor meeting with White Pine, no UPSI shared | investor communications | low | — | — |
| 8 Sept 2026 · CSB Bank meets InCred AMC; no price sensitive info shared | investor communications | low | — | — |
| 8 Sept 2026 · CSB Bank meets InCred AMC; no sensitive info shared | investor communications | low | — | — |
| 5 Sept 2026 · CSB Bank assigned Crisil ESG rating of 72 | business updates | medium | — | — |
| 2 Sept 2026 · CSB Bank director Sumit Maheshwari exits after 8-year tenure | management changes | medium | — | — |
| 2 Sept 2026 · Analyst/Investor Meeting Disclosure - September 2, 2026 | investor communications | low | — | — |
| 24 Aug 2026 · Reconstitution of Board Committees | management changes | medium | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions |
| 89,836 |
| 9.6 |
| — |
| — |
| — |
| — |
| — |
| — |
| FEDERAL BANK LTD | 85,024 | 18.1 | — | — | — | — | — | — |
| INDUSIND BANK LIMITED | 76,215 | 57.6 | — | — | — | — | — | — |
| IDFC FIRST BANK LIMITED | 74,268 | 33.2 | — | — | — | — | — | — |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 8.0 | 12.4 | 2 of 20 | 95% |
| Profit growth | 26.5 | 29.5 | 11 of 20 | 47% |
| Market cap | 5293 | 48154 | 19 of 20 | 5% |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
