• Gross Advances rise 17.7% Y-o-Y, 6.3% Q-o-Q and 10.1% YTD to ₹7,907 crore
  • Deposits up 19.8% Y-o-Y, 2.3% Q-o-Q and 12.0% YTD to ₹9,317 crore
  • Disbursement during Q2FY26 rise 36.2% Y-o-Y to ₹805 crore
  • Profit After Tax increases 4.6% Y-o-Y to ₹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%

Mumbai / Jalandhar : Capital Small Finance Bank Limited, announced its unaudited financial results for the quarter and half year ended September 30, 2025 showcasing steady and relationship-led growth across key business metrics. The Bank continued to strengthen its retail franchise, delivering consistent performance in advances, deposits, and profitability despite a fluid economic environment.

Mr. 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 ₹9,317 crore, up ~20% year-on-year, with CASA at 33.9%, highlighting the stability of our retail deposit franchise. Gross advances stood at ₹7,907 crore, growing ~18% year-on-year, supported by healthy disbursement activity across mortgage, MSME, and agriculture segments. Disbursements during the quarter rose to ₹805 crore, up 36% year-on-year, 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 ₹35 crore, up 5% year-on-year, 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.”

Recent Developments

  • Expanded physical presence to 200 branches across 5 states and 2 Union Territories — reaffirming our commitment to deepen our outreach;
  • Signed BC agreement/partnership (with FLDG cover), with selected partner NBFCs to target high yielding secured loan portfolio.