Capital Small Finance Bank Reports Q4FY26 Results: Advances Up 21%, PAT Up 17% YoY
Capital Small Finance Bank reported Q4FY26 results with advances up 21% YoY to ₹8,687 crore and PAT up 17% YoY to ₹40 crore. Deposits grew 20% YoY to ₹10,018 crore. GNPA improved to 2.54% and NNPA to 1.24%. The bank targets a 2x advance book growth and 1.5x branch network expansion by FY29.
The announcement contains detailed financial results for the quarter and fiscal year, along with strategic future outlook and growth targets, which are material information for investors.
The bank reported positive growth in key financial metrics such as advances and PAT, along with improvements in asset quality and profitability ratios. Future growth targets are also optimistic.
Capital Small Finance Bank Limited has released its audited financial results for the period ended March 31, 2026, along with an investor presentation. The bank reported a 21% year-on-year (YoY) growth in gross advances, reaching ₹8,687 crore in Q4FY26, compared to ₹7,184 crore in Q4FY25. Profit After Tax (PAT) saw a 17% YoY increase, amounting to ₹40 crore in Q4FY26, up from ₹34 crore in the same period last year.
The bank's Net Interest Income (NII) grew by 13% YoY to ₹463 crore for FY26, while Non-Interest Income rose by 16% YoY to ₹99 crore. Net Interest Margin (NIM) showed improvement, standing at 4.06% in Q4FY26, up from 4.01% in Q3FY26. The Cost to Income ratio improved to 58.2% in Q4FY26 from 62.6% in Q4FY25.
Asset quality remained strong with Gross NPA improving to 2.54% and Net NPA to 1.24% in Q4FY26. Credit cost remained stable at 0.26%. The bank maintained a strong liability franchise with retail deposit share at over 90% and a healthy CASA ratio of 34.7%. Total deposits grew by 20% YoY to ₹10,018 crore.
Looking ahead, the bank aims to expand its advance book by 2x by 2029, targeting segments like MSME, Mortgages, and Agriculture. It also plans to increase its branch network by 1.5x by 2029, with an expansion into Uttar Pradesh and Gujarat. The bank is focused on strengthening operational efficiency and profitability metrics, aiming for a Return on Assets (RoA) of 1.38%+ and Return on Equity (RoE) of 15.0%+ by FY29.
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