[Capital Small Finance Bank Q1FY26 PAT Rises 7% YoY to ₹32 Crore]

Capital Small Finance Bank reported a 7% year-on-year increase in profit after tax to ₹32 crore for the quarter ended June 30, 2025. The total deposits increased to ₹9,110 crore, reflecting a 17.1% year-on-year growth, while gross advances stood at ₹7,437 crore, up 16.4% year-on-year.

Q1 FY26 Financial Results (in ₹ crore)
Particulars	Q1 FY26	Q1 FY25	YoY Change (%)	Q4 FY25
Profit After Tax	32	30	7%	34
Total Deposits	9,110	7,778	17.1%	8,323
Gross Advances	7,437	6,391	16.4%	7,184
Disbursements	865	754	15%	-
Net Interest Margin (NIM)	4.1%	-	-	4.1%
Cost-to-income ratio	60.5%	-	-	62.6%

Financial Performance

Net Interest Income: Increased by 11% to ₹110 crore.
Other Income: Rose by 38% to ₹23 crore.
Gross Total Income: Increased by 15% to ₹270 crore.
Interest Earned: Increased by 13% to ₹247 crore.
Interest Expended: Increased by 15% to ₹137 crore.
Operating Expenses: Increased by 11% to ₹81 crore.
Provisions & Contingencies: Increased by 46% to ₹20 crore.

Asset Quality

Gross NPA: 2.7% as of June 30, 2025, unchanged year-on-year.
Net NPA: 1.4% for the quarter ended June 30, 2025.
Collection Efficiency: 100.8% as of June 30, 2025, compared to 98.6% as of June 30, 2024.

Key Ratios

CASA Ratio: Stood at 35.9% as of June 30, 2025.
CRAR: 24.5% as of June 30, 2025.
RoA: 1.2%

Loan Book Diversification

Secured Loans: 99.8% of the loan book is secured.
Zero Direct MFI Exposure: In line with the bank's retail-centric lending approach.
Average Ticket Size (ATS): INR 16.6 lakhs.

Management Commentary

Mr. Sarvjit Samra, Managing Director & CEO, commented, "We are pleased to present the financial results of Capital Small Finance Bank for the quarter ended June 30, 2025, a period marked by stronger deposit growth, healthy credit growth and stable interest margins."

Additional Highlights

Disbursements: Rose to ₹865 crore, up from ₹754 crore in Q1FY25, a 15% year-on-year growth.
Net Interest Margin (NIM): Maintained at 4.1%.
Operating Profit (PPOP): Grew by 24%.
Credit Cost: Increased to 0.37%, with 0.19% attributed to slippage from NBFC/FI-MFI exposure.