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.
| 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.
