Capital SFB Q2FY27: Profit Jumps 31% YoY to ₹46 Cr, Advances Up 23% to ₹9,755 Cr
Capital Small Finance Bank reported Q2 FY27 PAT of ₹46 Cr, up 31% YoY. Advances grew 23.4% YoY to ₹9,755 Cr, and deposits rose 16.2% YoY to ₹10,831 Cr. GNPA stood at 2.36% and NNPA at 1.12%. NIM improved to 4.24%. The bank aims for ₹16,000 Cr advances by 2029.
The announcement details significant financial growth and improved key performance indicators, which are material for investors and stakeholders.
The bank reported strong year-on-year growth in profit, advances, and deposits, along with stable asset quality and improved NIMs, indicating positive financial performance.
Capital Small Finance Bank Limited (CSFB) announced its Unaudited Financial Results for the period ended September 30, 2026 (Q2 FY27). The bank reported a Profit After Tax (PAT) of ₹46 Crore, marking a significant 31% year-on-year (YoY) growth from ₹35 Crore in Q2 FY26. Net Interest Income (NII) grew by 24% YoY to ₹139 Crore, while Non-Interest Income increased by 28% YoY to ₹30 Crore.
Gross Advances reached ₹9,755 Crore, a 23.4% YoY increase, with a Q-o-Q growth of 7.5%. Disbursements for the quarter were ₹1,095 Crore, up 36% YoY. The bank's deposit base grew by 16.2% YoY to ₹10,831 Crore.
Asset quality remained robust, with Gross Non-Performing Assets (GNPA) at 2.36% and Net Non-Performing Assets (NNPA) at 1.12% as of September 2026. The Net Interest Margin (NIM) improved to 4.24% from 4.04% in Q2 FY26. The Cost to Income Ratio stood at 59.8%, a slight improvement from 61.7% in Q2 FY26.
The bank also highlighted its strategic focus on MSME and Business Segment loans, which expanded by 13% QoQ and 51% YoY. The retail deposit share continues to be strong, exceeding 90%, and the CASA ratio remained healthy at 34.5%. The bank aims to double its advance book to ₹16,000 Crore by 2029, while targeting an ROA of 1.6%++ and ROE of 15.0%++.
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