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

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Interest Earned

273.14

271.92

256.46

247.08

231.46

234.97

223.59

Income On Investments

33.35

32.59

31.66

31.29

31.34

30.17

Interest On Balances With Rbi Other Inter Bank Funds

23.25

25.36

20.49

20.04

14.21

16.72

14.52

Interest / Discount On Advances / Bills

215.79

212.55

202.90

194.91

185.52

186.24

178.48

Others

0.75

0.66

0.48

0.47

0.44

0.67

0.42

Other Income

25.78

26.47

23.14

22.88

25.57

18.16

25.70

Total Income

298.92

298.39

279.60

269.96

257.03

253.13

249.29

Interest Expended

152.46

152.61

144.82

137.29

128.40

127.85

122.67

Net Interest Income

120.68

119.31

111.64

109.79

103.06

107.12

100.92

Total Expenditure (Excl Depreciation)

86.64

94.11

84.11

81.32

81.79

77.48

78.38

Employee Cost

46.42

50.07

42.86

42.94

38.36

37.12

37.39

Other Operating Expenses

40.22

44.04

41.25

38.38

43.43

40.36

40.99

Operating Profit Before Provisions and Contingencies

59.82

51.67

50.67

51.35

46.84

47.80

48.24

Exceptional Items

0.00

Provisions and contingencies

5.79

5.78

4.30

8.84

1.85

2.16

3.91

Profit Before Tax

54.03

45.89

46.37

42.51

44.99

45.64

44.33

Tax

13.95

11.48

10.50

10.75

11.59

10.99

Profit After Tax

40.08

34.41

34.89

32.01

34.24

34.05

33.34

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

40.08

34.41

34.89

32.01

34.24

34.05

33.34

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

8.82

7.58

7.7

7.07

7.57

7.52

7.4

Diluted Earnings per share

8.79

7.58

7.67

7.05

7.53

7.54

7.35

Operating Profit Margin (Excl OI)

66.16%

63.26%

65.53%

63.51%

63.86%

66.11%

63.2%

Gross Profit Margin

19.78%

16.88%

18.08%

17.2%

19.44%

19.42%

19.83%

PAT Margin

14.67%

12.65%

13.6%

12.96%

14.79%

14.49%

14.91%

Net Interest Margin

4.06%

4.01%

4.0%

4.1%

4.09%

4.3%

4.2%

Return on Assets

0.0%

0.35%

CASA (%)

34.7%

35.9%

34.0%

35.9%

36.9%

39.1%

37.1%

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

220.41

218.87

213.27

204.24

185.34

182.30

175.32

Amount of Net NPAs

106.04

108.44

107.48

101.78

91.84

90.60

85.44

% of Net NPAs

1.24%

1.35%

1.38%

1.39%

1.3%

1.35%

1.29%

% of Gross NPAs

2.54%

2.68%

2.7%

2.74%

2.58%

2.67%

2.61%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

213.0

205.0

201.0

197.0

187.0

182.0

Number of Branches

211.0

203.0

199.0

195.0

185.0

180.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Mar 2026 is 0.45% vs 6.03% in Dec 2025

Net Profit

QoQ Growth in quarter ended Mar 2026 is 16.48% vs -1.38% in Dec 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Mar 2026 is 15.77% vs 1.97% in Dec 2025

% of Net NPAs

QoQ Growth in quarter ended Mar 2026 is -0.11% vs -0.03% in Dec 2025

% of Gross NPAs

QoQ Growth in quarter ended Mar 2026 is -0.14% vs -0.02% in Dec 2025

Compare Quarterly Results Of Capital Small With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

273.14

894.05

-620.91

-69.45%

Income On Investments

33.35

104.06

-70.71

-67.95%

Interest On Balances With Rbi Other Inter Bank Funds

23.25

0.38

22.87

6018.42%

Interest / Discount On Advances / Bills

215.79

789.61

-573.82

-72.67%

Others

0.75

0.00

0.75

Other Income

25.78

269.39

-243.61

-90.43%

Total Income

298.92

1,163.44

-864.52

-74.31%

Interest Expended

152.46

461.72

-309.26

-66.98%

Net Interest Income

120.68

432.33

-311.65

-72.09%

Total Expenditure (Excl Depreciation)

86.64

449.20

-362.56

-80.71%

Employee Cost

46.42

170.51

-124.09

-72.78%

Other Operating Expenses

40.22

278.69

-238.47

-85.57%

Operating Profit Before Provisions and Contingencies

59.82

252.52

-192.70

-76.31%

Exceptional Items

0.00

Provisions and contingencies

5.79

243.39

-237.60

-97.62%

Profit Before Tax

54.03

9.13

44.90

491.79%

Tax

13.95

2.01

11.94

594.03%

Profit After Tax

40.08

7.12

32.96

462.92%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

40.08

7.12

32.96

462.92%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

8.82

0.14

8.68

6200.0%

Diluted Earnings per share

8.79

0.14

8.65

6178.57%

Operating Profit Margin (Excl OI)

66.16%

22.53%

0.00

43.63%

Gross Profit Margin

19.78%

1.02%

0.00

18.76%

PAT Margin

14.67%

0.80%

0.00

13.87%

Net Interest Margin

4.06%

0.00%

4.06

4.06%

Return on Assets

0.00%

0.03%

-0.03

-0.03%

CASA (%)

34.70%

0.00%

34.70

34.70%

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%

0.00

0.00%

Amount of Gross NPAs

220.41

1,165.59

-945.18

-81.09%

Amount of Net NPAs

106.04

547.94

-441.90

-80.65%

% of Net NPAs

1.24%

2.73%

-1.49

-1.49%

% of Gross NPAs

2.54%

5.64%

-3.10

-3.10%

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

213.00

720.00

-507.00

-70.42%

Number of Branches

211.00

788.00

-577.00

-73.22%

Quarterly - Interest Earned

Interest Earned 273.14 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 0.45% vs 6.03% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 18.01% vs 13.35% in Mar 2025

Quarterly - Net Profit

Net Profit 40.08 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 16.48% vs -1.38% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 17.06% vs 21.38% in Mar 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 59.82 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 15.77% vs 1.97% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 27.71% vs 18.73% in Mar 2025

Quarterly - % of Net NPAs

% of Net NPAs 1.24%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.11% vs -0.03% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -0.06% vs -0.10% in Mar 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 2.54%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.14% vs -0.02% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -0.04% vs -0.18% in Mar 2025