Capital Small Finance Bank Ltd Half-Yearly Results: Standalone & Consolidated Reports

Half Yearly Results

Results Snapshot

Figures in Cr

Standalone Half Yearly Results

Sep'25

Sep'24

Sep'23

Sep'22

Sep'21

Mar'21

Mar'20

Interest Earned

503.54

442.07

385.98

320.73

278.06

261.41

242.75

Income On Investments

64.25

60.19

53.01

46.82

41.78

42.93

37.37

Interest On Balances With Rbi Other Inter Bank Funds

40.53

34.11

26.91

22.09

28.47

29.87

28.58

Interest / Discount On Advances / Bills

397.81

346.94

304.94

251.81

207.81

188.61

176.80

Others

0.95

0.83

1.12

0.01

0.00

Other Income

46.02

42.29

29.24

22.08

27.09

27.58

21.73

Total Income

549.56

484.36

415.22

342.81

305.15

288.99

264.49

Interest Expended

282.11

242.05

215.01

169.37

158.99

158.25

150.21

Net Interest Income

221.43

200.02

170.97

151.36

119.07

103.16

92.54

Total Expenditure (Excl Depreciation)

165.43

151.52

124.83

106.19

94.44

90.44

87.02

Employee Cost

85.80

73.09

61.40

56.22

52.25

48.06

46.25

Other Operating Expenses

79.63

78.43

63.43

49.97

42.19

42.38

40.77

Operating Profit Before Provisions and Contingencies

102.02

90.79

75.38

67.25

51.72

40.30

27.25

Exceptional Items

0.00

Provisions and contingencies

13.14

6.29

3.25

12.34

16.09

6.47

10.41

Profit Before Tax

88.88

84.50

72.13

54.91

35.63

33.83

16.84

Tax

21.98

21.14

17.74

13.82

8.56

8.24

4.45

Profit After Tax

66.90

63.36

54.39

41.09

27.07

25.58

12.39

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

66.90

63.36

54.39

41.09

27.07

25.58

12.39

Face Value

10.0

Reserves

0.00

416.88

372.97

Earnings per share (EPS)

14.77

14.06

15.39

12.0

7.96

7.54

3.66

Diluted Earnings per share

14.72

13.97

15.49

11.97

7.92

15.01

7.55

Operating Profit Margin (Excl OI)

64.54%

64.3%

66.82%

63.04%

60.25%

62.93%

59.86%

Gross Profit Margin

17.65%

19.11%

18.69%

17.12%

12.81%

12.94%

6.94%

PAT Margin

13.29%

14.33%

14.09%

12.81%

9.74%

9.79%

5.1%

Net Interest Margin

0.0%

Return on Assets

0.0%

0.67%

0.0%

CASA (%)

0.0%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

0.0%

Amount of Gross NPAs

0.00

175.32

160.42

135.11

93.72

78.24

58.51

Amount of Net NPAs

0.00

85.44

78.67

69.42

51.30

42.14

41.25

% of Net NPAs

0.0%

1.29%

1.36%

1.35%

1.23%

1.13%

1.25%

% of Gross NPAs

0.0%

2.61%

2.73%

2.6%

2.22%

2.08%

1.76%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

182.0

0.0

Number of Branches

0.0

180.0

0.0

Half Yearly Analysis Highlights

Interest Earned

Growth in half year ended Sep 2025 is 13.91% vs 14.53% in Sep 2024

Net Profit

Growth in half year ended Sep 2025 is 5.59% vs 16.49% in Sep 2024

Operating Profit (PBDIT)

Growth in half year ended Sep 2025 is 12.37% vs 20.44% in Sep 2024

% of Net NPAs

Growth in half year ended Sep 2025 is -1.29% vs -0.07% in Sep 2024

% of Gross NPAs

Growth in half year ended Sep 2025 is -2.61% vs -0.12% in Sep 2024

Compare Half Yearly Results Of Capital Small With

Select Peers

Figures in Cr

Standalone Half Yearly Results

Change(INR)

Change(%)

Interest Earned

503.54

1,648.05

-1,144.51

-69.45%

Income On Investments

64.25

205.00

-140.75

-68.66%

Interest On Balances With Rbi Other Inter Bank Funds

40.53

7.49

33.04

441.12%

Interest / Discount On Advances / Bills

397.81

1,435.56

-1,037.75

-72.29%

Others

0.95

0.00

0.95

Other Income

46.02

340.30

-294.28

-86.48%

Total Income

549.56

1,988.35

-1,438.79

-72.36%

Interest Expended

282.11

906.12

-624.01

-68.87%

Net Interest Income

221.43

741.93

-520.50

-70.15%

Total Expenditure (Excl Depreciation)

165.43

864.06

-698.63

-80.85%

Employee Cost

85.80

348.83

-263.03

-75.4%

Other Operating Expenses

79.63

515.23

-435.60

-84.54%

Operating Profit Before Provisions and Contingencies

102.02

218.17

-116.15

-53.24%

Exceptional Items

0.00

Provisions and contingencies

13.14

482.79

-469.65

-97.28%

Profit Before Tax

88.88

-264.62

353.50

133.59%

Tax

21.98

-67.59

89.57

132.52%

Profit After Tax

66.90

-197.03

263.93

133.95%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

66.90

-197.03

263.93

133.95%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

14.77

-3.82

18.59

486.65%

Diluted Earnings per share

14.72

-3.81

18.53

486.35%

Operating Profit Margin (Excl OI)

64.54%

18.28%

0.00

46.26%

Gross Profit Margin

17.65%

-16.06%

0.00

33.71%

PAT Margin

13.29%

-11.96%

0.00

25.25%

Net Interest Margin

0.00%

0.00

0.00%

Return on Assets

0.00%

-0.74%

0.74

0.74%

CASA (%)

0.00%

0.00

0.00%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

0.00%

0.00

0.00%

Capital Adequacy Ratio (Tier 1)

0.00%

0.00

0.00%

Provision Coverage Ratio (%)

0.00%

0.00

0.00%

Amount of Gross NPAs

0.00

1,634.57

-1,634.57

-100.0%

Amount of Net NPAs

0.00

696.40

-696.40

-100.0%

% of Net NPAs

0.00%

3.83%

-3.83

-3.83%

% of Gross NPAs

0.00%

8.54%

-8.54

-8.54%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

0.00

Number of Branches

0.00

Half Yearly - Interest Earned

Interest Earned 503.54 Cr

in Sep 2025

Figures in Cr

Growth in half year ended Sep 2025 is 13.91% vs 14.53% in Sep 2024

Half Yearly - Net Profit

Net Profit 66.90 Cr

in Sep 2025

Figures in Cr

Growth in half year ended Sep 2025 is 5.59% vs 16.49% in Sep 2024

Half Yearly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 102.02 Cr

in Sep 2025

Figures in Cr

Growth in half year ended Sep 2025 is 12.37% vs 20.44% in Sep 2024

Half Yearly - % of Net NPAs

No % of Net NPAs in the last few periods

Half Yearly - % of Gross NPAs

No % of Gross NPAs in the last few periods