Capital SFB Q4FY26 Results: PAT Up 17% YoY to ₹141 Cr, Advances Grow 21% to ₹8,687 Cr
Capital Small Finance Bank Limited reported FY26 PAT of ₹141 Cr (up 17% YoY) and Q4FY26 PAT of ₹40 Cr (up 17% YoY). Gross advances grew 21% YoY to ₹8,687 Cr, and deposits increased 20% YoY to ₹10,018 Cr. GNPA improved to 2.54% and NNPA to 1.24%. The bank released its Q4FY26 earnings presentation and call recording.
The results show healthy growth and improved financial metrics, which are moderately positive for investors. The growth in advances and deposits, along with stable asset quality, indicates a positive operational performance.
The bank reported positive financial results with year-on-year growth in profit after tax, advances, and deposits. Improvements in asset quality and net interest margin also contribute to a positive sentiment.
Capital Small Finance Bank Limited (CSFB) announced its audited financial results for the period ended March 31, 2026. The bank reported a Profit After Tax (PAT) of ₹141 crore for FY26, marking a 17% year-on-year growth. For the fourth quarter of FY26 (Q4FY26), PAT stood at ₹40 crore, a 17% increase year-on-year.
Gross advances grew by 21% YoY to ₹8,687 crore in FY26, with Q4FY26 witnessing a 20% YoY growth to ₹8,687 crore. Total deposits increased by 20% YoY to ₹10,018 crore in FY26, and in Q4FY26, deposits reached ₹10,018 crore, a 20% YoY growth.
The Net Interest Margin (NIM) showed early signs of improvement, reaching 4.06% in Q4FY26 compared to 4.01% in Q3FY26. The Cost to Income ratio improved to 58.2% in Q4FY26 from 62.6% in Q4FY25. Gross NPA improved to 2.54% and Net NPA to 1.24% in Q4FY26.
The bank has made the audio recording of its earnings conference call held on April 29, 2026, available on its website. The transcript of the conference call will also be made available within the prescribed timelines. The presentation on the audited financial results for the period ended March 31, 2026, is also accessible on the bank's website.
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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.