Capital Small Finance Bank Reports Robust FY26 Growth: Total Deposits Cross ₹10,000 Crore

Capital Small Finance Bank Limited has released its provisional business highlights for the financial year ending March 31, 2026. The bank achieved a significant milestone by crossing the ₹10,000 crore mark in total deposits while maintaining strong asset quality and a well-secured loan book.

The bank's Gross Advances reached ₹8,687 crore, reflecting a robust 20.9% Year-on-Year (YoY) growth. This expansion was supported by quarterly disbursements of ₹919 crore, a 20.1% increase compared to the same period last year. Notably, approximately 98% of the bank's loan portfolio remains secured, aligning with its retail-focused lending philosophy.

Key Financial Highlights

Deposit Franchise: Total deposits surged by 20.4% YoY to reach ₹10,018 crore. The bank maintained a healthy CASA ratio of 34.7%, emphasizing its stable and cost-efficient liability franchise.

Asset Quality Improvement: The bank saw a meaningful strengthening in asset quality, with Gross NPA (Non-Performing Assets) improving to 2.54%, down from 2.68% in the previous quarter and 2.58% in March 2025.

Liquidity & CD Ratio: The average Credit-to-Deposit (CD) ratio for the quarter stood at 82.3%. The bank reported a comfortable liquidity position supported by a well-capitalized balance sheet.

Consistent Momentum: On a Quarter-on-Quarter (QoQ) basis, Gross Advances grew by 6.4%, indicating sustained credit demand across its operating regions.

Note: These figures are provisional and subject to audit by statutory auditors and approval from the Bank's Audit Committee and Board of Directors.

Source : Equity Bulls

Keywords

CapitalSmallFinanceBank FY26 BusinessUpdate