Capital Small Finance Bank has announced its key financial highlights for the quarter and year ended March 31, 2025, showcasing robust loan growth, improved asset quality, and stable deposit inflows.
Loan Portfolio
As of March 31, 2025, the bank’s gross advances stood at ₹7,184 crores, marking a 16.7% year-on-year (Y-o-Y) growth and a 5.4% quarter-on-quarter (Q-o-Q) increase. Loan disbursements surged 37.6% Y-o-Y to ₹2,846 crores. The bank continues to focus on a secured and diversified loan portfolio, with 99.8% of loans being secured.
Asset Quality
Despite a high-interest rate environment, the bank strengthened its asset quality, bringing Gross NPA down to 2.58% in March 2025 from 2.76% in March 2024, with minimal write-offs.
Deposit Growth & CASA
Total deposits grew 11.3% Y-o-Y, reaching ₹8,323 crores. The CASA ratio remained strong at 37%, reflecting the bank’s solid retail deposit base, despite an industry-wide shift towards high-yielding term deposits.
Liquidity & Loan-to-Deposit
The loan-to-deposit (CD) ratio increased to 82.6% in Q4 FY25, up from 78.3% in Q4 FY24. Meanwhile, the Liquidity Coverage Ratio (LCR) remained strong at 247.6%, ensuring financial stability.
