Capital Small Finance Bank Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Mar'24

Interest Earned

256.46

247.08

231.46

234.97

223.59

218.48

204.20

Income On Investments

32.59

31.66

31.29

31.34

30.17

30.02

29.82

Interest On Balances With Rbi Other Inter Bank Funds

20.49

20.04

14.21

16.72

14.52

19.59

15.52

Interest / Discount On Advances / Bills

202.90

194.91

185.52

186.24

178.48

168.46

158.42

Others

0.48

0.47

0.44

0.67

0.42

0.41

0.44

Other Income

23.14

22.88

25.57

18.16

25.70

16.59

20.54

Total Income

279.60

269.96

257.03

253.13

249.29

235.07

224.74

Interest Expended

144.82

137.29

128.40

127.85

122.67

119.38

117.46

Net Interest Income

111.64

109.79

103.06

107.12

100.92

99.10

86.74

Total Expenditure (Excl Depreciation)

84.11

81.32

81.79

77.48

78.38

73.14

67.83

Employee Cost

42.86

42.94

38.36

37.12

37.39

35.70

31.13

Other Operating Expenses

41.25

38.38

43.43

40.36

40.99

37.44

36.70

Operating Profit Before Provisions and Contingencies

50.67

51.35

46.84

47.80

48.24

42.55

39.45

Exceptional Items

0.00

Provisions and contingencies

4.30

8.84

1.85

2.16

3.91

2.38

1.82

Profit Before Tax

46.37

42.51

44.99

45.64

44.33

40.17

37.63

Tax

11.48

10.50

10.75

11.59

10.99

10.15

9.42

Profit After Tax

34.89

32.01

34.24

34.05

33.34

30.02

28.21

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

34.89

32.01

34.24

34.05

33.34

30.02

28.21

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

7.7

7.07

7.57

7.52

7.4

6.67

6.26

Diluted Earnings per share

7.67

7.05

7.53

7.54

7.35

6.62

6.87

Operating Profit Margin (Excl OI)

65.53%

63.51%

63.86%

66.11%

63.2%

65.43%

65.89%

Gross Profit Margin

18.08%

17.2%

19.44%

19.42%

19.83%

18.39%

18.43%

PAT Margin

13.6%

12.96%

14.79%

14.49%

14.91%

13.74%

13.81%

Net Interest Margin

0.0%

4.1%

4.3%

4.2%

3.8%

Return on Assets

0.0%

0.35%

0.0%

CASA (%)

0.0%

35.9%

36.9%

39.1%

37.1%

39.5%

38.3%

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

204.24

185.34

182.30

175.32

171.86

170.18

Amount of Net NPAs

0.00

101.78

91.84

90.60

85.44

84.95

85.08

% of Net NPAs

0.0%

1.39%

1.3%

1.35%

1.29%

1.35%

1.4%

% of Gross NPAs

0.0%

2.74%

2.58%

2.67%

2.61%

2.69%

2.76%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

197.0

187.0

182.0

0.0

179.0

Number of Branches

0.0

195.0

185.0

180.0

177.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Sep 2025 is 3.8% vs 6.75% in Jun 2025

Net Profit

QoQ Growth in quarter ended Sep 2025 is 9.00% vs -6.51% in Jun 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Sep 2025 is -1.32% vs 9.63% in Jun 2025

% of Net NPAs

QoQ Growth in quarter ended Sep 2025 is -1.39% vs 0.09% in Jun 2025

% of Gross NPAs

QoQ Growth in quarter ended Sep 2025 is -2.74% vs 0.16% in Jun 2025

Compare Quarterly Results Of Capital Small With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

256.46

819.82

-563.36

-68.72%

Income On Investments

32.59

104.48

-71.89

-68.81%

Interest On Balances With Rbi Other Inter Bank Funds

20.49

0.39

20.10

5153.85%

Interest / Discount On Advances / Bills

202.90

714.95

-512.05

-71.62%

Others

0.48

0.00

0.48

Other Income

23.14

145.16

-122.02

-84.06%

Total Income

279.60

964.98

-685.38

-71.03%

Interest Expended

144.82

455.76

-310.94

-68.22%

Net Interest Income

111.64

364.06

-252.42

-69.33%

Total Expenditure (Excl Depreciation)

84.11

415.97

-331.86

-79.78%

Employee Cost

42.86

158.40

-115.54

-72.94%

Other Operating Expenses

41.25

257.57

-216.32

-83.98%

Operating Profit Before Provisions and Contingencies

50.67

93.25

-42.58

-45.66%

Exceptional Items

0.00

Provisions and contingencies

4.30

248.67

-244.37

-98.27%

Profit Before Tax

46.37

-155.42

201.79

129.84%

Tax

11.48

-39.61

51.09

128.98%

Profit After Tax

34.89

-115.81

150.70

130.13%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

34.89

-115.81

150.70

130.13%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

7.70

-2.25

9.95

442.22%

Diluted Earnings per share

7.67

-2.24

9.91

442.41%

Operating Profit Margin (Excl OI)

65.53%

18.93%

0.00

46.60%

Gross Profit Margin

18.08%

-18.96%

0.00

37.04%

PAT Margin

13.60%

-14.13%

0.00

27.73%

Net Interest Margin

0.00%

0.00

0.00%

Return on Assets

0.00%

-0.43%

0.43

0.43%

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

Quarterly - Interest Earned

Interest Earned 256.46 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 3.8% vs 6.75% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 14.7% vs 13.46% in Sep 2024

Quarterly - Net Profit

Net Profit 34.89 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 9.00% vs -6.51% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 4.65% vs 37.26% in Sep 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 50.67 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is -1.32% vs 9.63% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 5.04% vs 41.92% in Sep 2024

Quarterly - % of Net NPAs

No % of Net NPAs in the last few periods

Quarterly - % of Gross NPAs

No % of Gross NPAs in the last few periods