Capital Small Finance Bank Reports Strong Q1 FY27 Results with Advances Growth and Improving Asset Quality
Capital Small Finance Bank Limited reported robust business highlights for the quarter ended June 30, 2026, showing significant growth in its loan portfolio alongside improvements in asset quality metrics. The bank recorded a substantial increase in total deposits while maintaining prudent lending standards across its retail-focused operations.The gross advances stood at ₹9,074 crores as of June 30, 2026. This figure reflects a year-on-year growth of 22.0% and a quarter-on-quarter increase of 4.5%. During the reporting quarter, disbursements increased to ₹1,009 crores, up from ₹865 crores in Q1FY26, marking a 16.5% rise. The bank maintained a well-diversified loan book, with approximately 98% remaining secured, consistent with its conservative lending philosophy.
The bank's asset quality further strengthened during the quarter. Gross NPAs were reported at 2.47% as of June 30, 2026. This represents an improvement compared to 2.54% in Q4FY26 and 2.75% in Q1FY26. Management attributed this positive trend to the Bank's disciplined underwriting standards, effective recovery mechanisms, and the resilience of its granular and diversified loan portfolio.
In terms of liabilities, total deposits reached ₹10,596 crores as of June 30, 2026, showing a year-on-year growth of 16.3% and a quarter-on-quarter rise of 5.8%. The CASA ratio stood at a healthy 36.7%, an increase from 34.7% reported on March 31, 2026, and 35.9% as of June 30, 2025. This demonstrates the strengthening of the Bank's retail deposit franchise and continuous efforts to build a stable liability base for sustained growth.
The average Credit Deposit (CD) ratio for the quarter ended June 30, 2026 stood at 83.1%. This metric was previously recorded at 82.3% for the quarter ending March 31, 2026, and 80.9% for the quarter ending June 30, 2025. The Bank’s liquidity position remains comfortable, supported by a well-capitalised balance sheet providing sufficient capacity for accelerated growth.
Key financial performance metrics for Capital Small Finance Bank Limited are summarized below:
| Particulars | June 30, 2026 (Provisional) | March 31, 2026 | Q-o-Q Growth | June 30, 2025 | Y-o-Y Growth |
|---|---|---|---|---|---|
| Gross Advances | 9,074 | 8,687 | 4.5% | 7,437 | 22.0% |
| Gross NPA (% of gross advances) | 2.47% | 2.54% | - | 2.75% | - |
| Total Deposits | 10,596 | 10,018 | 5.8% | 9,110 | 16.3% |
CAPITALSFB Stock Price Movement
Capital Small Finance Bank Limited rallies in live trading to ₹281.75 as of 11:11 AM, edging up 2.31% in response to market activity. The bank's stock currently stands above its intraday low, having seen heavy buying interest with over 73,641 shares traded so far this morning.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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