Capital Small Finance Bank Limited announced its unaudited financial results for the quarter and nine months ended December 31, 2025 (Q3FY26 and 9MFY26). The bank reported a 19.8% year-on-year increase in gross advances, which stood at ₹8,164 crore, driven by sustained traction in the MSME and LAP portfolio. Deposits grew by 18.5% year-on-year to ₹9,931 crore, with a healthy CASA ratio of 35.9%. Disbursements during the quarter rose to ₹919 crore, supported by consistent demand across secured lending products. Asset quality remained stable, with gross and net NPAs at 2.68% and 1.35% respectively, showing sequential improvement. Net interest margin was stable at 4.0%. Profit after tax stood at ₹34 crore. Excluding a one-time charge of ₹5.13 crore related to past employee services due to New Labour Code implementation, operating profit before provisions grew by 20.0% and PAT grew by 12.6% year-on-year, indicating underlying core earnings strength. Mr. Sarvjit Singh Samra, Managing Director & CEO, expressed confidence in sustaining consistent growth while maintaining asset quality and profitability, supported by strong capital adequacy and a stable operating environment. The bank is focused on strengthening its core franchise, improving balance sheet efficiency, and expanding its presence in contiguous geographies.
