CSB Bank Total Deposits Surge 26% to ₹45,415 Crore; Gold Loan Portfolio Grows by 47% in Q1 FY27

Kerala-based private lender CSB Bank Limited has released its provisional business performance metrics for the first quarter of the 2026-27 fiscal year ending June 30, 2026. The bank highlighted strong double-digit year-on-year (YoY) expansion across its deposit base and gross advances, prominently led by its gold loan business.

Term Deposits Drive Robust Liability Growth

CSB Bank reported a 26% YoY expansion in total deposits, which reached ₹45,415 crore for the quarter ending June 30, 2026, up from ₹35,935 crore in the same period last year. The performance also marks a sequential steadying of inflows, up from the audited figure of ₹44,246 crore logged on March 31, 2026.

The growth in liabilities was heavily driven by fixed-income products, while low-cost accounts showed more modest gains:

Term Deposits: Shot up by 33% YoY to reach ₹36,600 crore compared to the ₹27,494 crore registered in June 2025. Sequentially, term deposits expanded by ₹1,186 crore against March 2026.

CASA Deposits: Rose by 4% YoY to stand at ₹8,815 crore as of June 30, 2026, against ₹8,441 crore in the previous year's first quarter, showing flat sequential performance against the ₹8,832 crore recorded on March 31, 2026.

Gold Loans Anchor a 24% Advance Expansion

On the assets side, the lender witnessed resilient credit demand, pushing gross advances up by 24% YoY to stand at ₹40,866 crore. This is a step up from the ₹32,944 crore reported in June 2025 and builds marginally on the ₹40,359 crore posted at the close of FY26.

A major driver behind this credit momentum was the bank's core focus segment:

Gold and Gold Jewellery Advances: Total advances secured against gold (excluding generic receivables secured against gold) jumped an impressive 47% YoY. The gold loan book closed at ₹21,906 crore as of June 30, 2026, scaling up from ₹14,928 crore in the prior year's corresponding quarter and continuing an upward trajectory from the ₹21,567 crore recorded in March 2026.

Audit Indicator: The operational data outlined in this report is provisional and remains subject to a formal limited review evaluation by the Joint Statutory Auditors of the bank before final declaration.

Shares of CSB Bank Limited was last trading in BSE at Rs. 351.50 as compared to the previous close of Rs. 351.35. The total number of shares traded during the day was 16138 in over 479 trades.

The stock hit an intraday high of Rs. 365.00 and intraday low of 344.60. The net turnover during the day was Rs. 5637585.00.

Source : Equity Bulls

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CSBBank INE679A01013 BusinessUpdate Q1FY27