Capital Small Finance Bank Q3 FY26 Profit At ₹34 Crore

Capital Small Finance Bank Limited has announced its unaudited financial results for the quarter and nine months ended December 31, 2025 (Q3FY26 and 9MFY26), delivering steady growth across advances and deposits, sustained profitability, and stable asset quality. The performance reflects the Bank’s relationship-led retail banking model and continued focus on secured lending to the middle-income segment.

Mr. Sarvjit Singh Samra, Managing Director & CEO, Capital Small Finance Bank, said:

“The quarter ended December 31, 2025 reflected steady balance sheet expansion and stable operating metrics, underscoring the strength of our relationship-led banking model. Gross advances grew to ₹8,164 crores, registering a 19.8% year-on-year increase, driven by sustained traction across MSME and LAP portfolio. Deposits stood at ₹9,931 crores, up 18.5% year-on-year, with a healthy CASA ratio of 35.9%, highlighting the resilience and granularity of our retail liability franchise.

Disbursements during the quarter rose to ₹919 crores, supported by consistent demand across secured lending products. Asset quality remained stable, with gross and net NPA stood at 2.68% and 1.35% respectively, improving sequentially by 2 bps and 3 bps respectively, reflecting prudent underwriting, strong collections, and our continued focus on secured lending. Net interest margin remained stable at 4.0%, while profit after tax stood at ₹34 crores, despite an exceptional one-time cost impact during the quarter on New Labour Code implementation related to past employee services. Excluding this one-off impact, Operating profit before provisions has grown by 20.0% and PAT have grown by 12.6% Y-o-Y, highlighting the underlying strength of our core earnings.

Looking ahead, as the sector continues to balance growth with asset quality, we are witnessing steady demand for retail and MSME credit, particularly in secured and cash-flow–linked products. We are confident in our ability to support incremental credit growth and our focus remains on strengthening core franchise, improving balance sheet efficiency, and expanding our presence in contiguous geographies in a calibrated manner. Supported by strong capital adequacy and a stable operating environment, we are well positioned to sustain consistent growth while maintaining asset quality and profitability.”