Capital Small Finance Bank Limited (CSFB) announced the outcome of its Board Meeting held on January 29, 2026. The Board approved the un-audited standalone financial results for the period ended December 31, 2025. A significant decision was the approval of the early redemption of Debenture (Bonds) Series XI and XIII by exercising the Call Option. Furthermore, the Board approved the re-appointment of Mr. Munish Jain as Whole Time Director (designated as Executive Director) for a period of three years, effective August 28, 2026, subject to necessary approvals from the Reserve Bank of India (RBI) and shareholders. Mr. Jain brings over 24 years of experience in the banking sector and has been a core part of the bank's founding team since 2000. The unaudited financial results for the quarter and nine months ended December 31, 2025, showed a robust performance. For Q3FY26, Net Interest Income grew by 11% YoY to ₹119 crore, and Non-Interest Income grew by 46% YoY to ₹27 crore. Profit Before Provisioning Operating Profit (PPOP) saw a 20% YoY growth to ₹57 crore, while Profit After Tax (PAT) grew by 13% YoY to ₹38 crore (before exceptional items). The bank reported a Gross NPA of 2.68% and a Net NPA of 1.35% as of December 31, 2025. The Capital Adequacy Ratio (CAR) stood at 21.60% as of the same date. The bank also highlighted its diversified loan book, focusing on MSME/business segments and Loan Against Property (LAP), with 99% of its loans being secured. The liability franchise remains retail-focused, with a CASA ratio of 35.9%. The Board meeting commenced at 10:00 a.m. and concluded at 01:50 p.m.
