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Capital Small Finance Bank Results: Latest Quarterly Results & Analysis

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Capital Small Finance Bank Ltd. 29 Oct 2025 17:59 PM
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Q2FY26 Quarterly Result Announced for Capital Small Finance Bank Ltd.

Microfinance Institutions company Capital Small Finance Bank announced Q2FY26 results

  • Gross Advances rise 17.7% YoY, 6.3% QoQ and 10.1% YTD to Rs 7,907 crore.
  • Deposits up 19.8% YoY, 2.3% QoQ and 12.0% YTD to Rs 9,317 crore.
  • Disbursement during Q2FY26 rise 36.2% YoY to Rs 805 crore.
  • Profit After Tax increases 4.6% YoY to Rs 35 crore.
  • ROA during Q2FY26 improved to 1.3% (vs 1.2% in Q1FY26).
  • GNPA / NNPA maintained at 2.70% / 1.38%, slightly improved from the last quarter (2.75%/1.39%).
  • Capital Adequacy Ratio robust at 24.2%.

Sarvjit Singh Samra, Managing Director & CEO, Capital Small Finance Bank, said: "The quarter ended September 30, 2025 was marked by healthy credit offtake and stable margins, reflecting the strength of our core operating model.

Our total deposits reached Rs 9,317 crore, up ~20% YoY, with CASA at 33.9%, highlighting the stability of our retail deposit franchise. Gross advances stood at Rs 7,907 crore, growing ~18% YoY, supported by healthy disbursement activity across mortgage, MSME, and agriculture segments. Disbursements during the quarter rose to Rs 805 crore, up 36% YoY, aided by festive demand, improved business sentiment, and strong rural cash flows. Asset quality remained stable with gross NPA at 2.70% and net NPA at 1.38%, reflecting continued prudence and strong recoveries. Our Net interest margin Stood at 4.0%, and profit after tax at Rs 35 crore, up 5% YoY, supported by steady operating performance.

We are confident that with the supportive macro backdrop including benign inflation, GST-led consumption boost, and strong festive momentum we are well-positioned to sustain healthy growth in deposits and advances in the second half of the year.”

Result PDF

Result PDF

Capital Small Finance Bank announced Q1FY26 results

  • Gross Advances rise by 16.4% YoY and 3.5% QoQ to Rs 7,437 crore.
  • Disbursements increases 15% YoY to Rs 865 crore.
  • Deposits up 17.1% YoY and 9.5% QoQ to Rs 9,110 crore.
  • Profit After Tax increases 7% YoY to Rs 32 crore.
  • Non-Interest Income and Operating profit rise by 38% and 24% YoY to Rs 23 crore and Rs 53 crore, respectively.
  • Net Interest Margin (NIM) stood at 4.1% against 4.1% in Q4FY25.
  • ROA stood at 1.2% against 1.3% in Q1FY25.
  • GNPA / NNPA maintained at 2.7% / 1.4% respectively, against 2.7% / 1.3% in Q1FY25.

Sarvjit Singh Samra, Managing Directors & CEO of Capital Small Finance Bank, said: “The quarter was marked by declining interest rate, accommodating monetary policy and elevated asset quality concerns in certain segments. The Bank remained focused on building a granular, high-quality loan book—prioritising segments with stable repayment behaviour and longterm value, rather than pursuing volume in riskier or unsecured asset classes. Further, despite broader industry shift of customer to term deposits, the Bank continue to maintain a healthy CASA share, reflecting strong retail deposit franchise.”

“Total deposits increased to Rs 9,110 crore, registering a YoY growth of 17.1% and a QoQ growth of 9.5%. CASA stood healthy at 35.9% as of June 30, 2025. The gross advances of the Bank stood at Rs 7,437 crore, reflecting YoY growth of 16.4% and QoQ growth of 3.5%. The disbursements rose to Rs 865 crore, up from Rs 754 crore in Q1FY25, YoY growth of 15%. The loan book remains well-diversified, with 99.8% being secured with Zero direct MFI exposure, in line with the Bank’s retail-centric lending approach.

The Bank has maintained net interest margin (NIM) of 4.1% (4.1% in Q4FY25), despite the declining interest rate regime. The operating profit (PPOP) has grown by 24%, supported by increase in non-interest income by 38% and reduction in cost-to-income ratio to 60.5% (62.6% for Q4FY25). The profit after tax rose to Rs 32 crore, registering growth of 7% YoY.” he elaborated.

“The asset quality remained stable, with gross NPAs at 2.7% as of June 30, 2025, unchanged on a YoY basis and marginally higher than 2.6% in Q4FY25. The net NPAs for the quarter ended June 30, 2025 at 1.4%. Overall asset quality remained strong.”

Result PDF

Microfinance Institutions company Capital Small Finance Bank announced Q4FY25 & FY25 results

Financial Highlights:

  • Profitability and Operational Efficiency:
    • PAT increased to Rs 132 crore for FY25 and for Q4FY25 at Rs 34 crore, growth of 18% on YoY basis and 21% Q-o-Q basis from FY24 and Q4FY24 respectively.
    • NIM rose to 4.2% for FY25 and to 4.1% for Q4FY25 from 3.9% in FY24 and 3.8% in Q4FY24, supported by improving CD ratio.
    • Cost to Income Ratio remained stable at 62.3% during FY25 and 62.6% during Q4FY25 against 62.5% in FY24 and 63.5% during Q4FY24.
    • ROA improved to 1.4% in FY25 and to 1.4% in Q4FY25, from 1.3% in FY24 and 1.2% in Q4FY24.
    • ROE stood at 10.4% for FY25 and 10.8% for Q4FY25, post recent capital raise.
  • Gross Advances stood at Rs 7,184 crore:
    • 17% growth YoY and Q-o-Q growth of 6%.
    • healthy disbursement of Rs 2,846 crore in FY25 with YoY growth of 38%.
    • 99.8% of the loan book being secured, reaffirming our prudent lending strategy.
    • Granular portfolio with an average ticket size of Rs 16 lacs; 61% of exposure being upto Rs 25 lacs.
    • Well-diversified book: ~32% Agriculture, ~21% MSME, ~27% Mortgage.
  • Deposits stood at Rs 8,323 crore:
    • YoY growth of 11% with stable rollover ratio of ~90%.
    • CASA ratio at 36.9%, reflecting consistent deposit franchise.
    • Retail deposits form 92.5% of total deposits, indicating a sticky and low-cost liability base.
  • Asset Quality and Capital Position:
    • GNPA at 2.58%, NNPA at 1.30% – reflecting a healthy credit profile against GNPA of 2.76%, NNPA of 1.40% in FY24..
    • Credit cost contained at 0.12% against 0.08% in FY24.
    • Capital Adequacy Ratio at 25.4%, with Tier-I Capital at 21.7%.

Sarvjit Singh Samra, MD & CEO, Capital Small Finance, said: “We are pleased to share the financial performance of Capital Small Finance Bank for the quarter and year ended March 31, 2025 — a year marked by healthy advance growth, improved asset quality, and improving return matrix. Despite a challenging macro environment of high interest rates, tighter monetary policy and sectoral asset quality concerns, the Bank witnessed healthy loan growth with improved asset quality, with 99.8% of loans being secured and Gross NPAs improving to 2.58%.

We delivered a robust performance with gross advances rising 17% YoY to Rs 7,184 crore and disbursements growing by 38% to Rs 2,846 crore. Owing to lower CD ratio and high liquidity ratios, we chosen calibrated Deposits growth that grew 11% to Rs 8,323 crore. Our CASA ratio stood strong at 36.9%, underscoring the trust of our retail customers. Profit after tax grew 18% to Rs 132 crore, with improvements in both ROA to 1.4% against 1.3% in FY24 and in NIM to 4.2% against 3.9% in FY24. Digital transactions surged to 88%, reflecting our transformation into a technology-led, agile institution. This year marks a special moment in our journey — 9 years as India’s first Small Finance Bank, and 25 years as a trusted financial institution. The milestone reflects our commitment to inclusive banking and long-term value creation. We focused on deepening customer trust, expanding responsibly and building a resilient and agile institution which is Future Ready.”

Result PDF

Capital Small Finance Bank announced Q3FY25 results

  • Gross Advances: Rs 6,816 crore as of December 2024, change  19% YoY 11% YTD.
  • Profit After Tax: Rs 34 crore (Q3FY25) compared to Rs 29 crore (Q3FY24), change  18% YoY 17% YTD.
  • Deposits: Rs 8,384 crore as of December 2024, change  12% YoY 12% YTD.
  • ROA: 1.4% (Q3FY25) compared to 1.3% (Q3FY24).
  • Disbursement: Rs 737 crore (Q3FY25), change  92% YoY 49% YTD.
  • Asset Quality: 2.67%/1.35% (Q3FY25) 2.97%/1.53% (Q3FY24) GNPA/NNPA.
  • CASA Ratio: 39.1% for Q3FY25.
  • Retail Deposit Ratio: 93.2% for Q3FY25.
  • ROE: 10.9% for Q3FY25.
  • CRAR: 25.8% Core CRAR 21.9% for Q3FY25.
  • Collection Efficiency: 100.5% for Q3FY25.

Result PDF

Capital Small Finance Bank announced Q2FY25 results

  • Profit after Tax increases to Rs 33.3 crore with 37% growth YoY basis.
  • ROA increases to 1.4% in Q2FY25 against 1.1% in Q2FY24.
  • NIM increases to 4.2% in Q2FY25 against 4.0% in Q2FY24.
  • Cost to Income Ratio decreases to 61.4% in Q2FY25 against 64.8% in Q2FY24
  • Gross Advances increases by 5% QoQ and 15% YoY to Rs 6,718 crore, with 99.8% being secured and Zero direct MFI exposure.
  • Deposit increases by 11% YoY to Rs 7,780 crore, with 93.7% being the retail deposit.
  • CASA ratio of 37.1% in Q2FY25 against 37.8% a year back.
  • Total Shareholder’s fund stood at Rs 1,266 crore.
  • Average CD ratio increases to 82.4% in Q2FY25 from 79.6% in Q1FY25.
  • Capital Adequacy Ratio stood at 26.3%.
  • Gross NPA and Net NPA of 2.6% and 1.3% respectively in Q2FY25 against 2.7% and 1.4% in Q2FY24, with ~ZERO write offs.

Sarvjit Singh Samra, MD & CEO of Capital Small Finance Bank said: “Turning Intent into Actions as we tread on our growth journey.

We have successfully closed the September 2024 quarter with a remarkable Rs 33.3 crore Profit After Tax (PAT), reflecting a strong 37% growth on a year-on-year basis, with Return on Assets (ROA) of 1.4% (1.1% in Q2FY24). Our gross advances have grown to Rs 6,718 crore, registering a growth of 15% yearon-year and 5% on quarter-on-quarter basis. Our asset quality further improved, with gross NPA reduced to 2.6% & net NPA to 1.3%, against 2.7% & 1.4% respectively during the corresponding quarter. We continue to maintain a healthy CASA ratio of 37% , aligned with our strategic focus.”

Result PDF

Capital Small Finance Bank announced Q1FY25 results:

  • Balance Sheet growth:
    • Total Business increases by 13% to Rs 14,168 crore in Q1FY25 from Rs 12,584 crore in Q1FY24
    • Gross Advances increases by 4% QoQ and 16% YoY to Rs 6,391 crore in Q1FY25.
    • Deposit increased by 4% QoQ and 10% YoY to Rs 7,778 crore in Q1FY25.
    • CASA is 39.5% in Q1FY25 against 38.3% in Q4-FY24
    • Total Net Worth stood at Rs 1,231 crore in Q1 FY-‘25.
    • Average CD ratio increased from 78.3% in Q4FY24 to 79.6% in Q1FY25 with outstanding CD ratio of 82.2% as on June 30, 2024.
  • Profitability Growth:
    • Net Interest Income increased by 14% QoQ to Rs 99 crore in Q1FY25 from Rs 87 crore in Q4FY24.
    • Profit after Tax increases to Rs 30.02 crore from Rs 28.21 crore in Q4FY24 with QoQ growth of 6%.
    • NIM increased to 4.2% in Q1FY25 against 3.8% in Q4 FY24.
    • ROA increased to 1.3% in Q1FY25 against 1.2% in Q4FY24
  • Other Aspects:
    • Capital Adequacy Ratio has increased to 26.25% in Q1FY25 compared to 20.81% in Q1FY24.
    • Gross NPA and Net NPA of 2.7% and 1.3% respectively in Q1FY25 against 2.8% and 1.4% in Q4FY24.
    • Almost NIL write-offs & ZERO NPA Sell-off since inception
    • Collection efficiency of 98.6%
    • Secured Advance portfolio of 99.80%

Sarvjit Singh Samra, MD & CEO of Capital Small Finance Bank said, “Our growth journey, re-energized with growth capital infusion has started showing upright progress, with growth in gross advances of ~12% and disbursement of Rs1400 crore (during last six months, post growth capital infusion). During the quarter, advances and deposits grown by ~4% QoQ and stood at Rs6,391 crore and Rs 7,778 crore respectively, with PAT for the quarter of Rs30 crore. The RoA for Q1FY25 is 1.3%.

Advance and deposit growth during the quarter are in line with Bank’s estimate, despite sequential decline in advances historically during Q1. We are confident of growing loan book as initially targeted for the year with ROTA expansion.

The progress is attributed to the dedication of our team, the trust of our valued customers and our commitment to stakeholders. Through tailored financial solutions, we aim to help MSMEs, farmers, and the middle-income group to achieve their financial goals, driving sustainable growth and delivering enduring value to our stakeholders.”

Result PDF

Capital Small Finance Bank announced FY24 results:

Financial Highlights:

  • PAT increases to Rs 112 crore, 5 year CAGR 42% (19% YoY and 16% QoQ growth)
  • Non Interest Income increased by 36% YoY
  • ROA increases to 1.3%, 2.5x over FY19
  • The opex to avg assets for FY24 2.95% against 2.90% for FY23
  • Gross NPA – 2.8%
  • Net NPA – 1.4%  
  • Capital Adequacy Ratio – 27.39%
  • Tier-I Ratio (%) – 22.80%
  • Gross Advances stood at Rs 6,160 crore 
  • The deposit base stood at Rs 7,478 crore

Sarvjit Singh Samra, MD & CEO of Capital Small Finance Bank, said, “India is one of the fastest-growing economies in the world, having clocked 5.9% average gross domestic product growth over the past decade (2015- 2024). Growth in India is projected to remain strong at 6.9 percent in FY25. India is aspiring to reach high middle income status over the coming period. Amidst this economic landscape, Bank is strategically positioned to capitalize on the rise of the middle-income segment.

We are a middle income group segment lender and our endeavour is to be the primary banker of the borrower. We are well diversified with each segment witnesses’ multiple cycles. The portfolio comprises of 37% agriculture, 26% mortgage and 19% MSME and trading book. We are a secured lender with 99.9% secured book.

Our retail focused liability franchise had a high share of CASA of 38% and the industry leading asset quality signified underwriting strength. The strong performance showcased consistently improved profitability and return ratios.

The sturdy performance, post transition to SFB, represented by 5 year CAGR of 19% in gross advances, 15% in deposits and 42% in PAT, has laid a solid foundation for accelerated growth. Bank offers a range of banking products on the asset and liability side. It targets to be the primary banker to its customers and endeavour to achieve this objective through a mix of (i) suite of product offerings; (ii) customer service orientation; (iii) deeply entrenched physical branch network; and (iv) evolving digital channels.”

Sharing his view on the future growth outlook Sarvjit Singh Samra said, “Going forward, we are following a strategy that will enable us to organically grow our loan book, expand our branch network and leverage technology to optimize our operations. We are targeting to achieve a loan portfolio growth ranging from 22% - 24% in FY25 while delivering ROA of ~1.4%.”

Result PDF

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