Capital Small Finance Bank has announced its key financial metrics for the quarter ended June 30, 2025 (Q1FY26), showing steady growth in both advances and deposits.
Loan Book Performance
The bank’s gross advances stood at ₹7,437 crore as of June 30, 2025, up 16.4% year-on-year and 3.5% sequentially. Disbursements during the quarter rose to ₹865 crore, compared to ₹754 crore in Q1FY25, marking a 14.7% increase. The bank continues to maintain a secured lending profile, with 99.8% of the portfolio backed by collateral.
Asset Quality Stable
Gross Non-Performing Assets (GNPA) remained at 2.7% of gross advances, unchanged from the same period last year and slightly higher than 2.6% in the previous quarter. The bank attributes this stability to consistent underwriting practices and a secured, granular loan book.
Deposit Growth and CASA
Total deposits reached ₹9,110 crore in Q1FY26, growing 17.1% YoY and 9.5% QoQ. The Current Account and Savings Account (CASA) ratio stood at 35.9%, compared to 36.9% in the previous quarter. While the banking industry has seen a shift towards term deposits, Capital Small Finance Bank continues to hold a steady CASA share.
Liquidity and Capital Position
The Credit-to-Deposit (CD) ratio averaged 80.9% during the quarter, down from 82.5% in Q4FY25. The Liquidity Coverage Ratio (LCR) stood at 214.7%, indicating a comfortable liquidity buffer. The bank also cited a healthy capital adequacy position, supporting future growth plans.
