Capital Small Finance Bank has reported a significant increase in its gross advances, reaching ₹8,687 crores as of March 31, 2026. This marks a robust year-on-year growth of 20.9% and a quarter-on-quarter growth of 6.4%, highlighting the sustained momentum in the bank’s loan book expansion.
The bank’s disbursements during the quarter increased to ₹919 crore, compared to ₹765 crore in Q4FY25, reflecting a growth of 20.1%. The loan portfolio remains well-diversified, with approximately 98% being secured, in line with the bank’s prudent, retail-focused lending philosophy.
In terms of asset quality, the bank has shown improvement with Gross Non-Performing Assets (NPAs) at 2.54% as of March 31, 2026, compared to 2.68% in Q3FY26 and 2.58% in Q4FY25. This improvement is attributed to the bank’s disciplined underwriting standards, proactive recovery mechanisms, and the resilience of its well-secured, granular, and diversified loan portfolio.
Total deposits have also seen a significant increase, crossing the ₹10,000 crore mark to stand at ₹10,018 crores as of March 31, 2026, representing a year-on-year growth of 20.4%. The bank’s CASA ratio remains healthy at 34.7%, supported by its continued emphasis on expanding its retail customer base and deepening engagement across its branch network.
The bank’s average Credit-Deposit (CD) ratio for the quarter ended March 31, 2026, stood at 82.3%, compared to 80.4% for the quarter ended December 31, 2025. The liquidity position of the bank remains comfortable, backed by a well-capitalised balance sheet that provides adequate headroom for sustained and accelerated growth.
Disclaimer: This article is based on a regulatory filing submitted to the National Stock Exchange of India (NSE).
This article is written by Business Desk and reviewed by Aditya Bhagchandani before publication.