Capital SFB Q2 FY27 PAT Up 30.7% Y-o-Y to ₹45.61 Crore; Advances Grow 23.4%
Capital SFB reported Q2 FY27 PAT of ₹45.61 crore, up 30.7% YoY. Gross Advances grew 23.4% to ₹9,755 crore, and Total Deposits rose 16.2% to ₹10,831 crore. H1 FY27 PAT increased 29.9% to ₹86.91 crore. GNPA improved to 2.36% and NNPA to 1.12%.
The announcement contains significant positive financial results and growth metrics that are highly material to investors and the company's valuation.
The bank reported strong year-on-year growth in key financial metrics including Profit After Tax, Gross Advances, and Total Deposits. Asset quality also showed improvement.
Capital Small Finance Bank Limited (Capital SFB) has announced its unaudited financial results for the quarter and half-year ended September 30, 2026 (Q2 FY27). The bank demonstrated consistent growth with accelerating loan growth, stronger profitability metrics, and improved asset quality. Gross Advances increased by 23.4% year-on-year to ₹9,755 crore, with disbursements growing 36.0% to ₹1,095 crore in Q2. Total Deposits rose by 16.2% year-on-year to ₹10,831 crore, maintaining a CASA ratio of 34.5%.
Profit After Tax (PAT) for Q2 FY27 stood at ₹45.61 crore, a 30.7% increase compared to ₹34.89 crore in Q2 FY26. For the half-year ended September 30, 2026 (H1 FY27), PAT grew by 29.9% year-on-year to ₹86.91 crore from ₹66.90 crore in H1 FY26. Pre-Provision Operating Profit (PPOP) increased by 30.9% year-on-year to ₹67.92 crore.
Net Interest Margin (NIM) improved to 4.24% from 4.04% in Q2 FY26. Return on Assets (ROA) improved to 1.39% year-on-year, up from 1.26% in Q2 FY26. Gross Non-Performing Assets (GNPA) improved to 2.36% and Net Non-Performing Assets (NNPA) improved to 1.12% as of September 30, 2026.
Mr. Sarvjit Singh Samra, Managing Director & CEO, stated, "Our Q2 FY27 performance reflects the strength of our established banking model and the benefits of disciplined, consistent execution. Our continued focus on relationship-led banking, prudent lending and customer engagement is translating into healthy business growth, improved profitability and stronger asset quality. These outcomes reinforce our confidence in our strategy and our ability to create sustainable long-term value."
The bank aims to reach a loan book of over ₹16,000 crore by 2029, focusing on deepening its presence in existing markets, expanding into contiguous geographies, strengthening its retail-driven deposit franchise, and serving the aspiring middle-income customer segment.
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Capital Small Finance Bank Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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See the model portfoliosA plain-language summary of a public exchange filing by Capital Small Finance Bank Limited. Read the original for the full detail.