Capital Small Finance Bank registers 29% year-on-year rise in PAT as advances climb 22%

Capital Small Finance Bank registers 29% year-on-year rise in PAT as advances climb 22%​

Mumbai, Jalandhar, 23 July 2026: Capital Small Finance Bank Limited announced its unaudited financial results for the quarter ending June 30, 2026 (Q1 FY27), reporting steady progress and improved profitability across its operations. The Bank saw a significant increase in Profit After Tax (PAT) while maintaining robust asset quality metrics across its network.

The Bank recorded Gross Advances growing by 22.0% year-on-year (YoY) to ₹9,074 crore. Total Deposits also rose by 16.3% YoY, reaching ₹10,596 crore. In Q1 FY27, the Bank reported a Profit After Tax of ₹41.3 crore, marking a 29.0% increase compared to Q1 FY26, while Pre-Provision Operating Profit (PPOP) increased by 23.1% YoY to ₹64.7 crore.

Mr. Sarvjit Singh Samra, Managing Director & CEO of the Bank, highlighted the strong start to the financial year. "The gross advances stood at ₹9,074 crores as of June 30, 2026, reflecting a year-on-year growth of 22.0% and quarter-on-quarter growth of 4.5%. The disbursements during the quarter increased to ₹1,009 crore, compared to ₹865 crores in Q1 FY26, reflecting a growth of 16.5%," he stated.

The Bank's retail deposit franchise showed strengthening through steady customer engagement across its branch network. Total deposits reached ₹10,596 crore as of June 30, 2026, showing a 16.3% YoY increase. The CASA ratio improved to 36.7%, up from 34.7% in Q4 FY26 and 35.9% as of June 30, 2025.

Asset Quality and Operational Metrics​

Asset quality continued to improve during the quarter. Gross Non-Performing Assets (GNPA) reduced to 2.47%, down from 2.54% in the previous quarter and 2.75% a year ago. Net NPA improved to 1.14%, compared to 1.24% in the previous quarter and 1.39% a year ago.

The Bank's financial stability metrics remained strong:


The Bank maintained a healthy capital position, reporting Capital Adequacy at 21.58% and Tier I Capital at 19.17%. The loan book is noted to be well-diversified, with approximately 98% being secured.

Outlook and Network Presence​

Net Interest Margin (NIM) improved to 4.21%, up from 4.06% in the previous quarter and the same figure a year ago, supported by a decline in deposit costs upon repricing and acceleration in the CD ratio. Non-interest income stood at 0.82% of average total assets, contributing to strong operating margins recorded at 2.04%, up from 1.94% a year ago.

With 216 branches spanning five states and two Union Territories, Capital SFB is focused on deepening its presence within the middle-income segment. The company reiterated its commitment to disciplined growth and improving margins while maintaining strong asset quality as it aims to achieve a targeted FY29 loan book of ₹16,000+ crore.

Capital Small Finance Bank commenced operations on April 24, 2016, serving the middle-income group with a secured, diversified lending model primarily focused on rural and semi-urban markets.

CAPITALSFB Stock Price Movement​

Shares of Capital Small Finance Bank Limited slipped in the market session today, closing at ₹299.55 after shedding ₹2.55 or 0.85%. The stock accounted for a total traded volume of 155,623 shares during the day.