Capital SFB FY26 Gross Advances ₹8,687 Cr, Up 20.9% YoY; Deposits Cross ₹10K Cr
Capital Small Finance Bank reported provisional FY26 highlights with gross advances at ₹8,687 Cr, up 20.9% YoY. Total deposits crossed ₹10,018 Cr, a 20.4% YoY increase. Gross NPAs improved to 2.54%. Disbursements grew 20.1% QoQ to ₹919 Cr.
The results show healthy growth and improved asset quality, which are positive indicators for the bank's financial health and operational efficiency. This is likely to be viewed favorably by investors.
The announcement shows strong year-on-year growth in gross advances and total deposits, along with an improvement in asset quality (reduction in Gross NPAs), indicating positive business performance.
Capital Small Finance Bank Limited (CSFB) has announced its provisional business highlights for the quarter and year ended March 31, 2026. Gross advances reached ₹8,687 crores as of March 31, 2026, marking a significant year-on-year growth of 20.9% and a quarter-on-quarter growth of 6.4%. Disbursements during the quarter increased by 20.1% to ₹919 crore compared to ₹765 crore in Q4FY25. The loan book remains highly secured, with approximately 98% of it being retail-focused.
The bank's asset quality saw improvement, with Gross NPAs reported at 2.54% as of March 31, 2026, down from 2.68% in Q3FY26 and 2.58% in Q4FY25. This is attributed to disciplined underwriting and proactive recovery efforts.
Total deposits surpassed the ₹10,000 crore mark, standing at ₹10,018 crores as of March 31, 2026, reflecting a year-on-year growth of 20.4%. The CASA ratio remained healthy at 34.7%, supported by the bank's focus on expanding its retail customer base.
The average Loan-to-Deposit (CD) ratio for the quarter ended March 31, 2026, was 82.3%, an increase from 80.4% in the previous quarter. The bank's liquidity position is noted as comfortable with a well-capitalized balance sheet.
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Capital Small Finance Bank Limited filed this with the NSE as a statutory disclosure, categorised under other results related. It is a primary document, not a recommendation, and the desk marks it medium impact: worth reading, rarely worth acting on by itself.
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