Chandigarh, Jalandhar, Oct 30: Capital Small Finance Bank Limited declared its unaudited financial results for the quarter and half year ended September 30, 2026. The Bank continued to demonstrate consistency in the growth, with accelerating loan growth, stronger profitability metrics and improved asset quality.
During the quarter, Gross Advances increased to ₹9,755 crore, total Deposits rose to ₹10,831 crore and Profit After Tax stood at ₹45.6 crore. Net NPA improved to 1.12% from 1.14% in the previous quarter, while the Bank maintained a strong capital position to support future growth.
Mr. Sarvjit Singh Samra, Managing Director & CEO
The gross advances recorded an increase of 23.4% year-on-year and 7.5% quarter-on-quarter to ₹9,755 crore as of September 30, 2026. The disbursements during the quarter increased to ₹1,095 crores, as compared to ₹805 crores in Q2FY26, reflecting a growth of 36.0%.
Total deposits increased to ₹10,831 crores as of September 30, 2026, registering a year-on-year growth of 16.2%. CASA deposits stood at ₹3,734 crores, representing 34.5% of total deposits, as compared to 33.9% as of September 30, 2025, reflecting continued strength of the Bank's retail deposit franchise and deeper customer engagement across its branch network.
Asset quality further improved, with Gross NPA reducing to 2.36% from 2.47% in the previous quarter and 2.70% a year ago, while Net NPA improved to 1.12% from 1.14% in the previous quarter and 1.38% a year ago. The loan book remains well-diversified, with ~97% being secured, consistent with the Bank’s prudent, retail-focused secured lending philosophy.
During Q2FY27, Net Interest Margin improved to 4.24% against 4.21% in the previous quarter and 4.04% a year ago, with Net Interest Income growing 24.2% year-on-year to ₹138.7 crore. Non-interest income rose to 0.92% of average total assets against 0.82% in the previous quarter and 0.86% a year ago, reflecting the Bank's diversified earnings profile. Operating margins remained strong at 2.08% against 2.04% in the previous quarter and 1.88% a year ago, while the cost-to-income ratio improved to 59.8% from 61.7% a year back. Pre-Provision Operating Profit increased by 30.9% year-on-year to ₹67.9 crore and Profit After Tax increased by 30.7% year-on-year to ₹45.6 crore. Return on Assets stood at 1.39%, reflecting the overall improvement in operating performance.
As we progress towards ₹16,000+ crore loan book (Vision 2029), our priorities remain clear; deepening our presence in existing markets along with expanding into contiguous geographies; continue strengthening retail-driven deposit franchise and secured & retail-focused lending practices; serving the aspiring middle-income customer segment.
We remain committed of disciplined growth, preserving asset quality, enhancing operating efficiency and creating sustainable long-term value for all our stakeholders."
