Capital Small Finance Bank Reports Stable Margins and Healthy Credit Growth

Capital Small Finance Bank Limited, announced its unaudited financial results for the quarter and half year ended September 30, 2025 showcasing steady and relationship-led growth across key business metrics. The Bank continued to strengthen its retail franchise, delivering consistent performance in advances, deposits, and profitability despite a fluid economic environment.

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

"The quarter ended September 30, 2025 was marked by healthy credit offtake and stable margins, reflecting the strength of our core operating model. 

Our total deposits reached ₹9,317 crore, up ~20% year-on-year, with CASA at 33.9%, highlighting the stability of our retail deposit franchise. Gross advances stood at ₹7,907 crore, growing ~18% year-on-year, supported by healthy disbursement activity across mortgage, MSME, and agriculture segments. Disbursements during the quarter rose to ₹805 crore, up 36% year-on-year, aided by festive demand, improved business sentiment, and strong rural cash flows. Asset quality remained stable with gross NPA at 2.70% and net NPA at 1.38%, reflecting continued prudence and strong recoveries. Our Net interest margin Stood at 4.0%, and profit after tax at ₹35 crore, up 5% year-on-year, supported by steady operating performance.

We are confident that with the supportive macro backdrop — including benign inflation, GST-led consumption boost, and strong festive momentum — we are well-positioned to sustain healthy growth in deposits and advances in the second half of the year.”

Recent Developments 

• Expanded physical presence to 200 branches across 5 states and 2 Union Territories — reaffirming our commitment to deepen our outreach;

• Signed BC agreement/partnership (with FLDG cover), with selected partner NBFCs to target high yielding secured loan portfolio.