Capital SFB FY26: Deposits Cross ₹10,000 Cr, Advances ₹8,687 Cr, PAT ₹141 Cr
Capital Small Finance Bank reported FY26 results with deposits crossing ₹10,000 crore and advances at ₹8,687 crore. PAT was ₹141 crore, up 17.0% Y-o-Y in Q4. PPOP grew 28.2% Y-o-Y in Q4 to ₹61.7 crore. GNPA improved to 2.54% and NNPA to 1.24%.
The announcement details significant financial milestones like crossing ₹10,000 crore in deposits and robust YoY growth in advances and profits, which are material to investors and stakeholders.
The bank reported strong growth in deposits, advances, and profits, along with improved asset quality and capital adequacy, indicating a positive financial performance.
Capital Small Finance Bank Limited (Capital SFB) announced its audited financial results for the fiscal year ended March 31, 2026 (FY26) and the fourth quarter (Q4 FY26). The bank reported robust growth across key metrics, with total deposits crossing the ₹10,000 crore milestone, reaching ₹10,018 crore, a year-on-year (Y-o-Y) increase of 20.4%.
Gross advances grew by 20.9% Y-o-Y to ₹8,687 crore for FY26. In Q4 FY26, disbursements were up 20.1% Y-o-Y to ₹919 crore. The bank's Pre-Provision Operating Profit (PPOP) for FY26 stood at ₹218 crore, an increase of 16.6% Y-o-Y, while Q4 FY26 PPOP was ₹61.7 crore, up 28.2% Y-o-Y. Profit After Tax (PAT) for FY26 was ₹141.4 crore, with Q4 FY26 PAT at ₹40 crore, up approximately 17.0% Y-o-Y. Total income for FY26 rose by 15.6% Y-o-Y to ₹1,149 crore, and Q4 FY26 total income increased by 16.8% to ₹300 crore.
The bank maintained healthy asset quality, with Gross Non-Performing Assets (GNPA) improving to 2.54% and Net Non-Performing Assets (NNPA) to 1.24% by the end of FY26. Capital Adequacy Ratio (CRAR) stood at 22.31%, with Tier I capital at 19.58%. The bank operates 211 branches across 5 states and 2 Union Territories.
Mr. Sarvjit Singh Samra, Managing Director & CEO, highlighted the resilience of the Indian economy and the MSME segment's growth. He expressed satisfaction with Capital SFB's performance, particularly the growth in advances and deposits without compromising asset quality. The MSME book grew to ₹2,209 crore, a YoY increase of 46.1%. He also noted the bank's zero exposure to direct unsecured microfinance. The Net Interest Margin (NIM) for FY26 averaged 4.04%, rising to 4.06% in Q4. Return on Assets (ROA) improved to 1.33% in Q4 FY26. An exceptional charge of ₹5.13 crore was recorded due to the Labour Code change impact.
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