CSB Bank has reported a solid improvement in its business metrics for the period ended December 31, 2025, highlighting healthy momentum across deposits, advances, and its core gold loan portfolio.
As of December 31, 2025, CSB Bank’s total deposits stood at ₹40,460 crore, compared with ₹33,407 crore in the corresponding period last year, registering a year-on-year growth of 21%. On a sequential basis, deposits increased from ₹39,651 crore as of September 30, 2025, indicating steady inflows despite a competitive banking environment.
Within deposits, CASA balances were reported at ₹8,316 crore as of December 31, 2025, marginally higher than ₹8,042 crore a year ago, reflecting a year-on-year growth of 3%. While CASA remained largely stable on a quarter-on-quarter basis, term deposits continued to drive overall deposit expansion. Term deposits rose to ₹32,144 crore from ₹25,365 crore in December 2024, recording a strong 27% year-on-year growth, underscoring customer preference for fixed-income savings amid evolving interest rate dynamics.
On the asset side, CSB Bank delivered robust growth in its advances book. Gross advances increased to ₹37,208 crore as of December 31, 2025, compared with ₹28,915 crore in the year-ago period, translating into a healthy 29% year-on-year growth. The sequential increase from ₹34,712 crore as of September 30, 2025 further reflects sustained credit demand across key segments.
A notable highlight of the performance was the sharp rise in advances against gold and gold jewellery, excluding receivables secured against gold. This portfolio expanded to ₹19,023 crore as of December 31, 2025, from ₹13,018 crore in December 2024, marking a significant 46% year-on-year growth.
