| Metric | Value (₹ Cr) | Q3 FY26 | Q4 FY25 |
|---|---|---|---|
| Revenue | 1.2K | 4.0% | 22.4% |
| Total Income | 1.5K | 5.3% | 10.6% |
| Expenditure | 1.2K | 6.6% | 16.1% |
| PBT | 270.65 | 31.8% | 5.5% |
| Net Profit | 201.58 | 32.0% | 5.8% |
| OPM | 24.45% | 0.86pp | 7.84pp |
| NPM | 13.38% | 2.71pp | 0.60pp |
| EPS | 11.62 | 32.0% | 5.8% |
CSB Bank FY26 PAT Up 7% YoY to ₹633 Crore
04 May 2026 · 4 May, 2:33 pm
Summary
CSB Bank Limited reported encouraging financial results for the fourth quarter and full financial year ended March 31, 2026, demonstrating solid growth across key parameters. Total Deposits expanded by 20% Year-on-Year to ₹44,246 crore, while Advances (Net) surged by 26% Year-on-Year to ₹39,848 crore, significantly bolstered by strong growth in gold and wholesale loans. Net Interest Income for Q4 FY26 rose 25% YoY to ₹464 crore, contributing to a 17% YoY increase for FY26 to ₹1,720 crore. Profit after Tax for Q4 FY26 increased 32% QoQ and 6% YoY to ₹202 crore, with the full-year PAT reaching ₹633 crore, up 7% YoY. The MD & CEO expressed excitement about entering the 'crucial Scale Phase' of their SBS 2030 vision in the upcoming fiscal year, confident that planned strategies for FY27 will ensure smooth navigation after successfully managing a large-scale core migration.
Key Highlights
- 1
Total Deposits grew by 20% Year-on-Year from ₹36,861 crore as on March 31, 2025, to ₹44,246 crore as on March 31, 2026.
- 2
Advances (Net) increased by 26% Year-on-Year to ₹39,848 crore as on March 31, 2026, primarily driven by a robust 53% growth in gold loans and 37% in Wholesale loans.
- 3
Net Interest Income (NII) for Q4 FY26 grew by 25% Year-on-Year to ₹464 crore, with the full financial year FY26 NII standing at ₹1,720 crore, up 17% from FY25.
- 4
Profit after Tax (PAT) for Q4 FY26 reached ₹202 crore, reflecting a 32% increase Quarter-on-Quarter and a 6% increase Year-on-Year.
- 5
For the full financial year FY26, Profit after Tax (PAT) grew by 7% Year-on-Year, amounting to ₹633 crore against ₹594 crore in FY25.
- 6
The bank maintained a strong Capital Adequacy Ratio of 20.66% as on March 31, 2026, which is well above the regulatory requirement.
- 7
Asset quality improved with Gross Non-Performing Assets (NPA) at 1.66% and Net Non-Performing Assets (NPA) at 0.40% as on March 31, 2026.
Management Comments
MD & CEO
Buoyed with the encouraging results of the Bank for FY 26, despite facing internal & external challenges, the MD & CEO speaking on the side lines said that while we are cherishing what we have done during the just concluded year, we are equally excited as we are entering the crucial Scale Phase of our SBS 2030 vision during this fiscal on a very strong note. We believe that the slur of activities planned & strategized for FY 27 will help us sail through it smoothly. Successfully navigating the teething issues associated with our large-scale Core migration during the year, we delivered solid and sustained performance across various business and profitability parameters.
Informational and educational content only. Not investment advice.