Capital Small Finance Bank Reports Strong Q1FY27 Performance Driven by Advances and Deposits Growth
Capital Small Finance Bank Ltd has released its provisional business highlights for the quarter ended June 30, 2026, detailing robust growth across loan portfolios and deposit mobilization. The bank maintained a prudent lending stance while improving asset quality in the first quarter of the financial year (Q1FY27).The gross advances stood at ₹9,074 crores as of June 30, 2026. This figure reflects strong advance growth, posting a year-on-year increase of 22.0% and a quarter-on-quarter rise of 4.5%. Disbursements during the quarter reached ₹1,009 crore, marking a significant improvement from the ₹865 crore disbursed in Q1FY25, translating to a 16.5% growth in disbursements alone. Consistent with the bank's retail focus, approximately 98% of its loan book is secured.
Deposits and Liability Management
Total deposits saw sustained growth, reaching ₹10,596 crores by June 30, 2026. This represents a year-on-year increase of 16.3% and a quarter-on-quarter rise of 5.8%.The bank's retail deposit franchise continued to strengthen, with the CASA ratio standing at 36.7% as of June 30, 2026. This is an improvement from 34.7% reported on March 31, 2026, and up from 35.9% recorded in June 30, 2025, reinforcing the bank’s ability to build a stable and cost-efficient liability structure for long-term growth.
Asset Quality and Efficiency Ratios
Asset quality strengthened during the quarter. Gross Non-Performing Assets (NPAs) were reported at 2.47% as of June 30, 2026. This level is an improvement compared to the 2.54% recorded in Q4FY26 and 2.75% seen in Q1FY26. The bank attributed this improvement to its disciplined underwriting standards and proactive recovery mechanisms across its diversified loan portfolio.The average Credit Deposit (CD) ratio for the quarter ended June 30, 2026 stood at 83.1%. This figure is an increase from 82.3% reported for the quarter ending March 31, 2026, and higher than the 80.9% recorded in June 30, 2025.
The key financial metrics across the periods 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% |
| Total Deposits | 10,596 | 10,018 | 5.8% | 9,110 | 16.3% |
| Gross NPA (% of gross advances) | 2.47% | 2.54% | - | 2.75% | - |
CAPITALSFB Stock Price Movement
Shares of Capital Small Finance Bank Limited are edging higher to ₹281.1 as of 11:25 AM today, rallying by 2.07% in live trading. The stock has seen brisk activity this morning, with 74,050 shares changing hands.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.
The information provided is for general informational purposes only and does not constitute investment advice, a recommendation, or an offer to buy or sell any securities. Readers are advised to rely on their own assessment and judgment and consult appropriate financial advisers, if required, before taking any investment-related decisions.
Any views, opinions, or statements expressed, where applicable, are those of the respective analysts or experts and do not reflect the views of this website. The website has no association with such viewpoints and does not assume any responsibility for them.