Capital Small Finance Bank Reports Q1 FY27 Results: Net Profit Jumps 29% YoY; Asset Quality Improves

Capital Small Finance Bank Reports Q1 FY27 Results: Net Profit Jumps 29% YoY; Asset Quality Improves​

Capital Small Finance Bank Limited (CSFB) reported its Unaudited Financial Results for the quarter ended June 30, 2026. The results reflect improved profitability and a focus on disciplined growth in asset quality across various portfolio segments, as approved by the Board of Directors at its meeting held on July 23, 2026.

The Bank reported a Net Profit from Ordinary Activities after tax (PAT) of INR 4,130 Crores for the quarter, marking a strong 29% year-on-year growth compared to the same period in FY25. Total income reached INR 31,430 Crores.

Key financial figures for Q1 FY27 include:

• Net Interest Income (NII): INR 28,818 Crores.
• Other Income: INR 2,612 Crores.
• Total Operating Profit before Provisions and Contingencies: INR 6,435 Crores.

CSFB's consolidated balance sheet figures show that Total Deposits stood at INR 10,596 Crores, while Gross Advances were reported at INR 8,952 Crores for the quarter.

Performance Highlights​

The Bank demonstrated significant improvements in asset quality and efficiency ratios:

• Net Profit Margin (NPM): The Net Profit Margin was recorded at 13.41%.
• Non-Interest Income: Other income grew by approximately 62% compared to the corresponding period in FY25.
• Return on Assets (ROA): ROA stood at 1.30%, improving from 1.18% in Q1 FY26.
• Return on Equity (ROE): The Bank maintained an impressive Return on Equity of 11.20%.

The bank's overall portfolio remains highly secured, with a reported 97.4% secured exposure across the advances book.

Asset Quality and Credit Management​

CSFB maintained robust asset quality metrics during Q1 FY27:


The Bank reported that the Gross NPA ratio of 2.47% and Net NPA ratio of 1.14% reflect a stable asset quality profile. The credit cost stood at 0.31%.

Segmental Performance​

Segment analysis showed strong contributions from Retail Banking, which generated INR 5,944 Crores in results for the quarter. Wholesale Banking reported profits of INR 340 Crores, while Other Banking Operations contributed INR 1,111 Crores in segment revenue.

The financial results for Q1 FY27 are detailed in the Unaudited Financial Results and Investor Presentation, which were reviewed by the Audit Committee and subsequently approved by the Board of Directors.

CAPITALSFB Stock Price Movement​

Today, shares of Capital Small Finance Bank Limited slipped by 0.85%, finishing the session at ₹299.55. Trading activity was measured at 155,623 shares throughout the day.