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

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Jun'26

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Interest Earned

288.18

273.14

271.92

256.46

247.08

231.46

234.97

Income On Investments

34.68

33.35

32.59

31.66

31.29

31.34

Interest On Balances With Rbi Other Inter Bank Funds

24.11

23.25

25.36

20.49

20.04

14.21

16.72

Interest / Discount On Advances / Bills

228.60

215.79

212.55

202.90

194.91

185.52

186.24

Others

0.79

0.75

0.66

0.48

0.47

0.44

0.67

Other Income

26.12

25.78

26.47

23.14

22.88

25.57

18.16

Total Income

314.30

298.92

298.39

279.60

269.96

257.03

253.13

Interest Expended

154.67

152.46

152.61

144.82

137.29

128.40

127.85

Net Interest Income

133.51

120.68

119.31

111.64

109.79

103.06

107.12

Total Expenditure (Excl Depreciation)

95.28

86.64

94.11

84.11

81.32

81.79

77.48

Employee Cost

50.94

46.42

50.07

42.86

42.94

38.36

37.12

Other Operating Expenses

44.34

40.22

44.04

41.25

38.38

43.43

40.36

Operating Profit Before Provisions and Contingencies

64.35

59.82

51.67

50.67

51.35

46.84

47.80

Exceptional Items

0.00

Provisions and contingencies

9.35

5.79

5.78

4.30

8.84

1.85

2.16

Profit Before Tax

55.00

54.03

45.89

46.37

42.51

44.99

45.64

Tax

13.70

13.95

11.48

10.50

10.75

11.59

Profit After Tax

41.30

40.08

34.41

34.89

32.01

34.24

34.05

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

41.30

40.08

34.41

34.89

32.01

34.24

34.05

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

9.08

8.82

7.58

7.7

7.07

7.57

7.52

Diluted Earnings per share

9.06

8.79

7.58

7.67

7.05

7.53

7.54

Operating Profit Margin (Excl OI)

63.69%

66.16%

63.26%

65.53%

63.51%

63.86%

66.11%

Gross Profit Margin

19.09%

19.78%

16.88%

18.08%

17.2%

19.44%

19.42%

PAT Margin

14.33%

14.67%

12.65%

13.6%

12.96%

14.79%

14.49%

Net Interest Margin

4.21%

4.06%

4.01%

4.0%

4.06%

4.09%

4.3%

Return on Assets

0.0%

CASA (%)

36.7%

34.7%

35.9%

34.0%

35.9%

36.9%

39.1%

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

224.38

220.41

218.87

213.27

204.24

185.34

182.30

Amount of Net NPAs

102.06

106.04

108.44

107.48

101.78

91.84

90.60

% of Net NPAs

1.14%

1.24%

1.35%

1.38%

1.39%

1.3%

1.35%

% of Gross NPAs

2.47%

2.54%

2.68%

2.7%

2.74%

2.58%

2.67%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

218.0

213.0

205.0

201.0

197.0

187.0

Number of Branches

216.0

211.0

203.0

199.0

195.0

185.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Jun 2026 is 5.51% vs 0.45% in Mar 2026

Net Profit

QoQ Growth in quarter ended Jun 2026 is 3.04% vs 16.48% in Mar 2026

Operating Profit (PBDIT)

QoQ Growth in quarter ended Jun 2026 is 7.57% vs 15.77% in Mar 2026

% of Net NPAs

QoQ Growth in quarter ended Jun 2026 is -0.10% vs -0.11% in Mar 2026

% of Gross NPAs

QoQ Growth in quarter ended Jun 2026 is -0.07% vs -0.14% in Mar 2026

Compare Quarterly Results Of Capital Small With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

288.18

622.36

-334.18

-53.7%

Income On Investments

34.68

63.19

-28.51

-45.12%

Interest On Balances With Rbi Other Inter Bank Funds

24.11

14.96

9.15

61.16%

Interest / Discount On Advances / Bills

228.60

543.16

-314.56

-57.91%

Others

0.79

1.05

-0.26

-24.76%

Other Income

26.12

147.86

-121.74

-82.33%

Total Income

314.30

770.22

-455.92

-59.19%

Interest Expended

154.67

306.63

-151.96

-49.56%

Net Interest Income

133.51

315.73

-182.22

-57.71%

Total Expenditure (Excl Depreciation)

95.28

325.03

-229.75

-70.69%

Employee Cost

50.94

136.76

-85.82

-62.75%

Other Operating Expenses

44.34

188.27

-143.93

-76.45%

Operating Profit Before Provisions and Contingencies

64.35

138.56

-74.21

-53.56%

Exceptional Items

0.00

Provisions and contingencies

9.35

36.66

-27.31

-74.5%

Profit Before Tax

55.00

101.90

-46.90

-46.03%

Tax

13.70

26.72

-13.02

-48.73%

Profit After Tax

41.30

75.18

-33.88

-45.07%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

41.30

75.18

-33.88

-45.07%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

9.08

7.07

2.01

28.43%

Diluted Earnings per share

9.06

7.07

1.99

28.15%

Operating Profit Margin (Excl OI)

63.69%

41.88%

0.00

21.81%

Gross Profit Margin

19.09%

16.37%

0.00

2.72%

PAT Margin

14.33%

12.08%

0.00

2.25%

Net Interest Margin

4.21%

7.20%

-2.99

-2.99%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

36.70%

21.00%

15.70

15.70%

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%

81.80%

-81.80

-81.80%

Amount of Gross NPAs

224.38

931.15

-706.77

-75.9%

Amount of Net NPAs

102.06

169.55

-67.49

-39.81%

% of Net NPAs

1.14%

1.27%

-0.13

-0.13%

% of Gross NPAs

2.47%

6.60%

-4.13

-4.13%

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

218.00

0.00

218.00

Number of Branches

216.00

718.00

-502.00

-69.92%

Quarterly - Interest Earned

Interest Earned 288.18 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 5.51% vs 0.45% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 16.63% vs 13.09% in Jun 2025

Quarterly - Net Profit

Net Profit 41.30 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 3.04% vs 16.48% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 29.02% vs 6.63% in Jun 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 64.35 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 7.57% vs 15.77% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 25.32% vs 20.68% in Jun 2025

Quarterly - % of Net NPAs

% of Net NPAs 1.14%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.10% vs -0.11% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.25% vs 0.04% in Jun 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 2.47%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.07% vs -0.14% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.27% vs 0.05% in Jun 2025