Capital SFB Q1 FY27 PAT Up 29% to ₹41.3 Crore; Advances Grow 22% to ₹9,074 Crore
Capital SFB reported Q1 FY27 PAT of ₹41.3 crore, up 29% Y-o-Y. Gross Advances grew 22% to ₹9,074 crore, with deposits at ₹10,596 crore. NIM improved to 4.21%, and GNPA/NNPA stood at 2.47%/1.14%. The bank aims for a ₹16,000 crore loan book by FY29.
The announcement details significant financial growth and improved key performance indicators for the current quarter, indicating a positive trajectory for the bank's financial health and market position.
The bank reported strong year-on-year growth in profit, advances, and deposits, along with improved margins and asset quality. The CEO's commentary also indicates a positive outlook and a clear path towards future growth targets.
Capital Small Finance Bank Limited (Capital SFB) announced its unaudited financial results for the first quarter of Fiscal Year 2027, ended June 30, 2026.
The bank reported a Profit After Tax (PAT) of ₹41.3 crore, marking a significant 29.0% year-on-year increase from ₹32.0 crore in Q1 FY26. Gross Advances grew by 22.0% year-on-year to ₹9,074 crore, with disbursements rising 16.5% year-on-year to ₹1,009 crore during the quarter.
Total Deposits increased by 16.3% year-on-year to ₹10,596 crore. The CASA ratio improved to 36.7% from 34.7% in the previous quarter (Q4 FY26). The bank also saw an improvement in asset quality, with Gross NPA reducing to 2.47% and Net NPA to 1.14%.
Pre-Provision Operating Profit (PPOP) stood at ₹64.7 crore, up 23.1% year-on-year. The Net Interest Margin (NIM) improved to 4.21% from 4.06% in Q1 FY26. Return on Assets (ROA) improved to 1.30% from 1.18% in the same period last year.
Mr. Sarvjit Singh Samra, Managing Director & CEO, stated that the bank commenced the financial year on a strong footing and is well-positioned to achieve its Vision 2029 target of a ₹16,000 crore loan book. The bank remains committed to disciplined growth, improving margins, strengthening liability traction, and maintaining strong asset quality, with a continued focus on the middle-income segment and a retail-led secured lending franchise.
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