| Annual Financials | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
Revenue  | 557 | 632 | 726 | 862 | 995 | 1,060 |
| Expenses | 174 | 209 | 227 | 248 | 304 | 342 |
| EBITDA | 70 | 101 | 145 | 165 | 192 | 180 |
| Operating Profit % | 66 % | 64 % | 66 % | 69 % | 67 % | 65 % |
| Depreciation | 17 | 16 | 21 | 17 | 17 | 0 |
| Interest | 313 | 323 | 354 | 449 | 498 | 538 |
| Profit Before Tax | 54 | 85 | 124 | 148 | 175 | 180 |
| Tax | 13 | 22 | 31 | 37 | 44 | 44 |
| Net Profit | 41 | 63 | 94 | 112 | 132 | 135 |
| EPS in ₹ | 12.04 | 18.41 | 27.35 | 30.65 | 29.18 | 29.90 |
Capital Small Finance Bank
Capital Small Finance Bank
270.00
-1.75
(-0.64%)
Key Fundamentals
Market Cap
1,230.70 Cr
EPS
29.18
PE Ratio
9.07
Dividend Yield
1.48 %
Industry
Banks 52 Week High
330.65
52 Week Low
250.00
PB Ratio
0.88
Debt to Equity
0.00
Sector
Small Finance Bank Analyst Rating and Forecast
- By Refinitiv from2 analysts
Actual
Company News
View All News
Capital Small Finance Bank Director Sham Singh Bains to Step Down After Completing Tenure5 days ago
Capital Small Finance Bank announced that Sham Singh Bains will cease to be a Non-Executive Independent Director from close of business hours on November 08, 2025. His departure follows the completion of his second term of 3 consecutive years as an Independent Director, in accordance with Section 149 of Companies Act 2013. Bains holds 188 equity shares in the bank. The bank has informed stock exchanges BSE and NSE about this board change under SEBI listing regulations.
Capital Small Finance Bank reported gross advances of INR 7,907 crores with 17.7% year-on-year growth for the quarter ended September 30, 2025. Total deposits reached INR 9,317 crores, up 20% year-on-year, with CASA ratio at 33.9%. Net interest margin stood at 4.04% compared to 4.1% in the previous quarter. Profit after tax was INR 35 crores, up 5% year-on-year. Gross NPA improved to 2.70% from 2.75% in the previous quarter, while net NPA was 1.38%. The bank faced flood impact in northern regions affecting some Punjab districts, but asset quality remained stable. Fresh disbursements for the quarter were INR 805 crores, registering 36% year-on-year growth. The bank maintains its FY26 growth guidance of 20% plus for advances and targets doubling its loan book over the next three to three-and-a-half years. Capital adequacy ratio remained strong at 24.2% with branch network at 199 branches across five states and two union territories.
Capital Small Finance Bank Targets ₹16,000 Cr Loan Book by FY29 with Geographic Expansion
Oct 29, 2025
Oct 29, 2025Capital Small Finance Bank plans to double its loan book to ₹16,000 crores by FY29. The bank is expanding operations into Uttar Pradesh and Gujarat while targeting to maintain a return on assets (RoA) above 1.6%. The growth strategy focuses on secured MSME lending and mortgage products, supported by CASA-led deposits. The bank maintains asset quality metrics with gross non-performing assets at 2.7% and net non-performing assets at 1.4%.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
882.05 | #1 66,340.20 | 30.27 | 1,446.00 | 19.10 | #1 761 | -1.80 | 63.32 | |
51.00 | 9,885.30 | 23.72 | 7,200.60 | 11.40 | 726 | -47.77 | 52.73 | |
57.93 | 6,653.70 | #1 -72.50 | #1 7,223.20 | 14.93 | 147 | #1 86.82 | 47.97 | |
446.30 | 4,822.50 | 11.43 | 5,485.70 | 17.11 | 501 | -22.44 | 42.19 | |
16.46 | 2,872.20 | -8.33 | 4,364.80 | #1 21.96 | 24 | -274.31 | 37.30 | |
27.00 | 1,430.00 | -2.10 | 4,329.30 | 1.62 | -521 | 39.08 | 36.70 | |
138.53 | 1,418.20 | 22.58 | 2,171.00 | 20.07 | 115 | -33.04 | 42.77 | |
270.00 | #8 1,230.70 | #4 9.07 | #8 994.50 | #5 15.32 | #5 132 | #3 4.80 | 38.05 |
Automatic Screeners on ScanX
Growth Rate
Revenue Growth
15.32 %
Net Income Growth
18.03 %
Cash Flow Change
141.17 %
ROE
5.48 %
ROCE
3.58 %
EBITDA Margin (Avg.)
-2.54 %
Yearly Financial Results
Balance Sheet
| Balance Sheet | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 6,371 | 7,154 | 7,991 | 9,295 | 10,108 |
| Fixed Assets | 87 | 84 | 83 | 84 | 88 |
| Current Assets | 1,342 | 1,072 | 983 | 1,424 | 1,104 |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 |
| Investments | 1,212 | 1,357 | 1,489 | 1,706 | 1,819 |
| Other Assets | 5,072 | 5,713 | 6,420 | 7,506 | 8,200 |
| Total Liabilities | 6,371 | 7,154 | 7,991 | 9,295 | 10,108 |
| Current Liabilities | 83 | 91 | 98 | 148 | 124 |
| Non Current Liabilities | 6,289 | 7,063 | 7,893 | 9,147 | 9,983 |
| Total Equity | 451 | 516 | 611 | 1,197 | 1,340 |
| Reserve & Surplus | 417 | 482 | 576 | 1,152 | 1,295 |
| Share Capital | 34 | 34 | 34 | 45 | 45 |
Cash Flow
| Cash Flow | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | 111 | 90 | 359 | -344 | 94 | 173 | 68 |
| Investing Activities | -31 | -23 | -12 | -13 | -202 | -165 | -57 |
| Operating Activities | 8 | -80 | 174 | -211 | 75 | 116 | 280 |
| Financing Activities | 134 | 192 | 197 | -120 | 222 | 223 | -155 |
Share Holding
| % Holding | Oct 2021 | Sept 2023 | Dec 2023 | Feb 2024 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
| Promoter | 23.57 % | 24.01 % | 18.85 % | 18.85 % | 18.85 % | 18.85 % | 18.84 % | 18.77 % | 18.77 % | 18.77 % | 18.75 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 1.38 % | 1.33 % | 1.33 % | 1.36 % | 1.29 % | 1.34 % | 1.26 % |
| DIIs | 0.00 % | 0.00 % | 31.16 % | 17.54 % | 33.10 % | 32.59 % | 31.73 % | 31.32 % | 31.86 % | 31.51 % | 27.97 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 0.00 % | 0.00 % | 27.29 % | 27.29 % | 24.10 % | 24.72 % | 25.10 % | 25.55 % | 24.91 % | 25.07 % | 25.88 % |
| Others | 76.43 % | 75.99 % | 22.70 % | 36.32 % | 22.57 % | 22.51 % | 23.00 % | 23.01 % | 23.18 % | 23.31 % | 26.14 % |
| No of Share Holders | 1,553 | 1,645 | 1,26,764 | 1,862 | 89,964 | 82,280 | 76,543 | 73,880 | 70,112 | 68,325 | 67,317 |
Dividend History
| Annual Cash Flows | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.2 | 1.2 | 4 |
| Dividend Yield (%) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.34 | 0.46 | 1.47 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 27 May 2016 |  Change Of Name | NA | 27 May 2016 | 0.00 | 0.00 |
| 16 Aug 2024 |  Dividend | ₹ 1.20 /share | 16 Aug 2024 | 384.40 | 304.10 |
| 30 Aug 2024 |  Annual General Meeting | NA | 30 Aug 2024 | 347.60 | 297.00 |
| 24 Oct 2024 |  Quarterly Result Announcement | NA | 24 Oct 2024 | 296.65 | 286.45 |
| 29 Jan 2025 | Quarterly Result Announcement | NA | 29 Jan 2025 | 300.20 | 292.55 |
| 29 Apr 2025 | Quarterly Result Announcement | NA | 29 Apr 2025 | 305.90 | 303.75 |
| 24 Jul 2025 | Quarterly Result Announcement | NA | 24 Jul 2025 | 280.55 | 321.65 |
| 25 Jul 2025 | Dividend | ₹ 4.00 /share | 25 Jul 2025 | 303.75 | 315.85 |
| 01 Aug 2025 | Annual General Meeting | NA | 01 Aug 2025 | 297.05 | 304.45 |
| 29 Oct 2025 | Quarterly Result Announcement | NA | 29 Oct 2025 | 281.60 | 285.30 |
Announcements
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation5 days ago
5 days agoAnnouncement under Regulation 30 (LODR)-Change in Directorate5 days ago
5 days agoAnnouncement under Regulation 30 (LODR)-Earnings Call Transcript8 days ago
8 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeOct 30, 2025
Oct 30, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationOct 30, 2025
Oct 30, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseOct 29, 2025
Oct 29, 2025Announcement under Regulation 30 (LODR)-Investor PresentationOct 29, 2025
Oct 29, 2025Results - Quarter And Half Year Ended Sept 30 2025Oct 29, 2025
Oct 29, 2025Board Meeting Outcome for Outcome Of Board Meeting - 29.10.2025Oct 29, 2025
Oct 29, 2025Outcome Of Nomination And Remuneration Committee Meeting Of Capital Small Finance Bank Limited ("The Bank") Held On October 29 2025Oct 29, 2025
Oct 29, 2025Shareholder Meeting / Postal Ballot-Outcome of Postal_BallotOct 24, 2025
Oct 24, 2025 Shareholder Meeting / Postal Ballot-Scrutinizer"s ReportOct 24, 2025
Oct 24, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 24, 2025
Oct 24, 2025Board Meeting Intimation for Intimation Of The Board Meeting Of Capital Small Finance Bank Limited ("Bank") To Be Held On Wednesday October 29 2025Oct 24, 2025
Oct 24, 2025Proceeding Of Postal BallotOct 23, 2025
Oct 23, 2025Announcement under Regulation 30 (LODR)-Change in ManagementOct 23, 2025
Oct 23, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 08, 2025
Oct 08, 2025Business Update - Key Business Highlights For The Period Ended September 30 2025Oct 03, 2025
Oct 03, 2025Intimation Regarding Change In Domain Name Of The Website Of The BankSep 29, 2025
Sep 29, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationSep 24, 2025
Sep 24, 2025Closure of Trading WindowSep 24, 2025
Sep 24, 2025Shareholder Meeting / Postal Ballot-Notice of Postal BallotSep 23, 2025
Sep 23, 2025Disclosure Under Regulation 31A (8) Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015Sep 23, 2025
Sep 23, 2025Disclosure Under Regulation 31A (8) Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015Sep 18, 2025
Sep 18, 2025Intimation Regarding Receipt Of Request Letter Regarding Re Classification Of Promoter Under Regulation 31 ASep 12, 2025
Sep 12, 2025Corrigendum To Outcome Of NRC- September 01 2025Sep 02, 2025
Sep 02, 2025Outcome Of NRC- September 01 2025Sep 01, 2025
Sep 01, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAug 29, 2025
Aug 29, 2025Grant Of ESOPAug 29, 2025
Aug 29, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 28, 2025
Aug 28, 2025Announcement under Regulation 30 (LODR)-Resignation of DirectorAug 14, 2025
Aug 14, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 07, 2025
Aug 07, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 07, 2025
Aug 07, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportAug 02, 2025
Aug 02, 2025Announcement under Regulation 30 (LODR)-Change in ManagementAug 01, 2025
Aug 01, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMAug 01, 2025
Aug 01, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptJul 31, 2025
Jul 31, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 25, 2025
Jul 25, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 25, 2025
Jul 25, 2025Corrigendum To Outcome Of Board Meeting Dated July 24 2025 And Appointment Of Mr. Bhavdeep Sardana As Additional Director Dated July 24 2025Jul 24, 2025
Jul 24, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJul 24, 2025
Jul 24, 2025Announcement under Regulation 30 (LODR)-Investor PresentationJul 24, 2025
Jul 24, 2025Announcement under Regulation 30 (LODR)-Change in ManagementJul 24, 2025
Jul 24, 2025Financial Results As On June 30 2025Jul 24, 2025
Jul 24, 2025Board Meeting Outcome for Outcome Of Board MeetingJul 24, 2025
Jul 24, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 17, 2025
Jul 17, 2025Board Meeting Intimation for Board Meeting Intimation Quarterly Unaudited Financial ResultsJul 17, 2025
Jul 17, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 14, 2025
Jul 14, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 09, 2025
Jul 09, 2025Compliances-Reg. 50 (2) - Intimation to the Exchange about meeting under 50(2)Jul 08, 2025
Jul 08, 2025Mutual Fund Holdings
| Funding House | Current Holding % | 1M Change | 1M Change % | 3M Change % | Last 6M Trend |
|---|---|---|---|---|---|
 360 ONE Balanced Hybrid Fund Direct - Growth | 0.40% | 0 | 0.01% | -0.01% | |
| 360 ONE Flexicap Fund Direct - Growth | 0.77% | 0 | -0.02% | -0.07% | |
 Nippon India Small Cap Fund Direct- Growth | 0.00% | 0 | 0.00% | 0.00% |
Technical Indicators
RSI(14)
Neutral 39.99
ATR(14)
Less Volatile 7.45
STOCH(9,6)
Oversold 17.03
STOCH RSI(14)
Neutral 23.71
MACD(12,26)
Bearish -0.86
ADX(14)
Weak Trend 19.44
UO(9)
Bearish 36.10
ROC(12)
Downtrend And Accelerating -3.50
WillR(14)
Neutral -72.95
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