Capital Small Finance Bank Ltd
P&L
Quarterly Standalone
vs Q2 FY26
Capital Small Finance Bank Q3 FY26 Results: Advances Up 19.8%, Deposits Up 18.5% YoY
29 Jan 2026 · 29 Jan, 2:19 pm
Summary
Capital Small Finance Bank announced its unaudited financial results for the quarter and nine months ended December 31, 2025 (Q3FY26 and 9MFY26), delivering steady growth across advances and deposits, sustained profitability, and stable asset quality. The performance reflects the Bank’s relationship-led retail banking model and continued focus on secured lending to the middle-income segment.
Key Highlights
- 1
Advances up 19.8% and Deposits up 18.5% YoY
- 2
CASA improves to 35.9% from 33.9% a quarter back
- 3
Disbursement for the quarter rose 24.7% YoY to ₹ 919 crore
- 4
Net Interest Income up 11.4%, Non-Interest Income rose 46.1% and gross revenue up 17.9%, YoY during the quarter
- 5
PPOP growth of 20%* YoY and PAT growth of 12.6%* YoY
- 6
Gross NPA at 2.68% and Net NPA at 1.35%
- 7
Net interest margin remained stable at 4.0%
- 8
Profit after tax stood at ₹ 34 crores
- 9
Growth of 20% YoY basis and 3% QoQ basis in PPOP
- 10
Growth of 18% YoY basis and 7% QoQ basis in disbursement
- 11
Nil growth of 11% and Non-interest income growth of 46%, on YoY basis
- 12
CASA increased to 36%
- 13
Credit cost continued to remain stable at 0.20% during Q3FY26 & Q2FY26
- 14
Disbursement spread across sectors & growth driver for the quarter is MSME/business segment (QoQ. 10%) and LAP (QoQ, 3%6)
- 15
Deposit cost has started showing declinetrend, 5.86% Q3FY26 against 5.92% in Q2FY26
- 16
Clratio reduced to 60.9%* Q3FY26 (vs 61.756 Q2FY26)
Management Comments
Mr. Sarvjit Singh Samra
The quarter ended December 31, 2025 reflected steady balance sheet expansion and stable operating metrics, underscoring the strength of our relationship-led banking model. Gross advances grew to ₹ 38,164 crores, registering a 19.8% year-on-year increase, driven by sustained traction across MSME and LAP portfolio. Deposits stood at ₹ 39,931 crores, up 18.5% year-on-year, with a healthy CASA ratio of 35.9%, highlighting the resilience and granularity of our retail liability franchise. Disbursements during the quarter rose to ₹ 2,919 crores, supported by consistent demand across secured lending products. Asset quality remained stable, with gross and net NPA stood at 2.68% and 1.35% respectively, improving sequentially by 2 bps and 3 bps respectively, reflecting prudent underwriting, strong collections, and our continued focus on secured lending. Net interest margin remained stable at 4.0%, while profit after tax stood at ₹ 34 crores, despite an exceptional one-time cost impact during the quarter on New Labour Code implementation related to past employee services. Excluding this one-off impact, Operating profit before provisions has grown by 20.0% and PAT have grown by 12.6% Y-o-Y, highlighting the underlying strength of our core earnings.
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