Capital Small Finance Bank Q1FY27 Results: PAT Rises 29% to ₹41 Cr, Advances Up 22% to ₹9,074 Cr
Capital Small Finance Bank reported Q1FY27 results with PAT up 29% to ₹41 Cr and PPOP up 23% to ₹65 Cr. Gross advances grew 22% YoY to ₹9,074 Cr, and deposits rose 16% YoY to ₹10,596 Cr. GNPA stood at 2.47% and NNPA at 1.14%. NIM improved to 4.21%.
The announcement details significant year-on-year growth in profits and advances, alongside improvements in key performance indicators like NIM and asset quality, which are highly material for investors.
The bank has reported strong year-on-year growth in key financial metrics such as Profit After Tax (PAT) and Gross Advances, along with an improvement in Net Interest Margin (NIM) and stable asset quality.
Capital Small Finance Bank Limited (CSFB) has announced its unaudited financial results for the first quarter of Fiscal Year 2027 (Q1FY27), ending June 30, 2026. The bank reported a Profit After Tax (PAT) of ₹41 crore, marking a significant year-on-year growth of 29% from ₹32 crore in Q1FY26. Pre-Provision Operating Profit (PPOP) also saw a robust increase of 23% year-on-year, reaching ₹65 crore.
Gross Advances grew by 22% year-on-year to ₹9,074 crore as of June 30, 2026, compared to ₹7,437 crore in the same period last year. The bank's loan book witnessed a quarter-on-quarter growth of 4.5% and a year-on-year growth of 22.0%. The MSME segment was a key driver, expanding by 11% QoQ and 49% YoY. Deposits increased by 16% year-on-year to ₹10,596 crore from ₹9,110 crore in Q1FY26, with a quarter-on-quarter growth of 5.8% and year-on-year growth of 16.3%. The CASA ratio stood at a healthy 36.7% of total deposits.
Asset quality remained strong, with Gross Non-Performing Assets (GNPA) at 2.47% and Net Non-Performing Assets (NNPA) at 1.14% as of Q1FY27. The bank's Net Interest Margin (NIM) improved to 4.21% in Q1FY27 from 4.06% in Q1FY26 and Q4FY26. Return on Assets (ROA) was 1.30% and Return on Equity (ROE) was 11.20% for the quarter.
The bank continues to focus on its strategy of disciplined growth, improving margins, strengthening liability traction, and maintaining strong asset quality, with a vision to become one of India's most trusted banks by 2029.
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