Capital Small Finance Bank Reports Strong FY2026 Performance
Capital Small Finance Bank Ltd. announced key business highlights for the quarter and year ended March 31, 2026, showcasing robust growth and improved asset quality. The figures presented are provisional and subject to audit.Loan Portfolio Expansion
Gross advances reached ₹8,687 crores as of March 31, 2026, representing a year-on-year (Y-o-Y) growth of 20.9% and a quarter-on-quarter (Q-o-Q) growth of 6.4%. Disbursements for the quarter increased to ₹919 crore, compared to ₹765 crore in Q4FY25, marking a growth of 20.1%. Approximately 98% of the loan book is secured, aligning with the bank's retail-focused lending strategy.Asset Quality Improvements
The bank’s asset quality strengthened during the quarter. Gross Non-Performing Assets (Gross NPAs) decreased to 2.54% as of March 31, 2026, compared to 2.68% in Q3FY26 and 2.58% in Q4FY25.Deposit Growth Exceeds ₹10K Crores
Total deposits surpassed ₹10,000 crores, reaching ₹10,018 crores as of March 31, 2026, reflecting a Y-o-Y growth of 20.4%. The Current Account Savings Account (CASA) ratio stood at 34.7% as of March 31, 2026, compared to 35.9% as of December 31, 2025.Loan-to-Deposit Ratio & Liquidity
The average Credit Deposit (CD) ratio for the quarter ended March 31, 2026, was 82.3%, compared to 80.4% for the quarter ended December 31, 2025. The bank maintains a comfortable liquidity position supported by a well-capitalized balance sheet.| Particulars | March 31, 2026 (Provisional) | Dec 31, 2025 | Q-o-Q Growth | March 31, 2025 | Y-o-Y Growth |
|---|---|---|---|---|---|
| Gross Advances | 8,687 | 8,164 | 6.4% | 7,184 | 20.9% |
| Gross NPA (% of gross advances) | 2.54% | 2.68% | - | 2.58% | - |
| Total Deposits | 10,018 | 9,931 | 0.9% | 8,323 | 20.4% |
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