| Annual Financials | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
Revenue  | 1,672 | 1,588 | 1,618 | 1,422 | 1,483 | 1,732 | 2,175 | 2,285 | 2,636 | 3,512 | 4,569 | 5,245 |
| Expenses | 555 | 643 | 589 | 644 | 859 | 656 | 911 | 748 | 873 | 1,244 | 1,572 | 1,909 |
| EBITDA | -71 | -215 | 6 | -134 | -284 | 158 | 333 | 652 | 777 | 817 | 876 | 836 |
| Operating Profit % | 64 % | 57 % | 56 % | 50 % | 36 % | 57 % | 51 % | 63 % | 62 % | 58 % | 56 % | 53 % |
| Depreciation | 11 | 14 | 15 | 16 | 17 | 24 | 41 | 38 | 43 | 56 | 76 | 0 |
| Interest | 1,189 | 1,159 | 1,023 | 912 | 908 | 918 | 931 | 885 | 986 | 1,451 | 2,121 | 2,501 |
| Profit Before Tax | -82 | -228 | -9 | -149 | -300 | 134 | 293 | 614 | 734 | 761 | 800 | 836 |
| Tax | -29 | -79 | -11 | -52 | -103 | 121 | 74 | 156 | 186 | 195 | 206 | 215 |
| Net Profit | -53 | -150 | 2 | -98 | -197 | 13 | 218 | 459 | 547 | 567 | 594 | 621 |
| EPS in ₹ | -10.50 | -23.98 | 0.21 | -12.04 | -23.73 | 0.88 | 12.59 | 26.43 | 31.55 | 32.67 | 34.23 | 35.80 |
CSB Bank
CSB Bank
413.00
-6.95
(-1.65%)
Key Fundamentals
Market Cap
7,164.96 Cr
EPS
34.23
PE Ratio
11.71
Dividend Yield
0.00 %
Industry
Banks 52 Week High
447.00
52 Week Low
272.75
PB Ratio
1.61
Debt to Equity
0.00
Sector
Private Bank Analyst Rating and Forecast
- By Refinitiv from3 analysts
Actual
Company News
View All News
CSB Bank delivered impressive quarterly results with net profit rising 16% year-on-year to INR 160 crores and 35% quarter-on-quarter. Operating profit grew 39% YoY to INR 279 crores. Net Interest Income increased 15% YoY and 12% QoQ, while other income surged 75% YoY, constituting 24% of total income. Net Interest Margin improved to 3.81%, up 27 basis points from the previous quarter. Return on Assets stood at 1.33%, up 30 basis points QoQ. On the business front, deposits grew 25% YoY compared to industry growth of 10%, while advances expanded 29% YoY against industry growth of 11.4%. Asset quality metrics showed GNPA at 1.81% and NNPA at 0.52%. The bank maintains a strong capital position with CRAR at 20.99% and Tier I ratio at 19.19%. Gold loans constitute 47% of advances portfolio. Management indicated the technology transformation is largely complete, positioning the bank for retail banking expansion from FY27. The bank operates 838 branches and 810 ATMs as of September 30, 2025.
CSB Bank's Board of Directors approved unaudited financial results for the quarter and half year ended September 30, 2025. The bank appointed Ms. Sheetal Rupesh Sancheti as Additional Director in the Non-Executive Non-Independent category, nominated by promoter FIH Mauritius Investments Ltd. Sancheti, a Chartered Accountant with over 20 years of experience, serves as Vice President at Fairbridge Capital Private Limited, monitoring portfolio investments for Fairfax India Holdings Corporation. She previously held finance roles at ANZ Bank India, HSBC Bank India, Abu Dhabi Commercial Bank, and BSR Co. The appointment is effective November 5, 2025, and requires member approval within the prescribed timeframe. The bank also reconstituted its Board committees effective November 6, 2025.
CSB Bank reported net profit of 1.6 billion rupees in Q2, up from 1.38 billion rupees year-over-year. Revenue increased to 11 billion rupees from 8.6 billion rupees compared to the same period last year. Provisions rose significantly to 636.5 million rupees from 139 million rupees year-over-year. Asset quality showed improvement with gross NPA declining to 1.81% from 1.84% quarter-over-quarter, while net NPA decreased to 0.52% from 0.66% quarter-over-quarter.
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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 |
|---|---|---|---|---|---|---|---|---|
998.05 | #1 15,33,039.53 | 20.66 | #1 4,70,915.90 | 15.42 | #1 73,440 | 9.32 | 54.88 | |
1,369.50 | 9,78,257.96 | 17.35 | 2,94,586.90 | #1 24.81 | 54,419 | 2.96 | 49.33 | |
2,087.80 | 4,15,178.30 | 22.45 | 1,07,095.00 | 13.60 | 21,946 | -11.41 | 45.38 | |
1,275.80 | 3,95,839.88 | 15.26 | 1,55,916.90 | 12.99 | 28,112 | -25.14 | 68.34 | |
100.24 | 1,07,782.08 | 11.88 | 34,058.70 | 12.14 | 7,656 | #1 73.37 | 53.05 | |
22.43 | 70,364.84 | 25.16 | 37,075.60 | 12.48 | 2,447 | 17.24 | 47.55 | |
846.55 | 65,952.70 | #1 -85.07 | 56,358.10 | 2.20 | 2,575 | -132.82 | 63.68 | |
245.06 | 60,291.12 | 14.89 | 32,030.20 | 19.60 | 4,202 | -8.27 | 74.15 | |
78.33 | 57,483.92 | 47.26 | 43,478.30 | 19.92 | 1,490 | 64.13 | 49.49 | |
149.11 | 24,021.19 | 19.85 | 24,914.80 | 18.41 | 2,745 | -88.06 | 34.75 |
Growth Rate
Revenue Growth
30.11 %
Net Income Growth
4.76 %
Cash Flow Change
-394.76 %
ROE
-11.41 %
ROCE
-0.49 %
EBITDA Margin (Avg.)
1.55 %
Yearly Financial Results
Balance Sheet
| Balance Sheet | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 15,760 | 15,652 | 16,223 | 15,870 | 16,911 | 18,864 | 23,337 | 25,356 | 29,162 | 36,056 | 47,836 |
| Fixed Assets | 175 | 215 | 215 | 216 | 218 | 254 | 270 | 288 | 319 | 406 | 450 |
| Current Assets | 1,641 | 1,472 | 1,999 | 2,022 | 1,766 | 1,714 | 2,407 | 2,195 | 2,290 | 3,703 | 4,244 |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 179 |
| Investments | 4,427 | 5,987 | 5,762 | 4,114 | 4,028 | 5,360 | 6,126 | 7,012 | 5,849 | 7,551 | 11,389 |
| Other Assets | 11,158 | 9,450 | 10,246 | 11,540 | 12,666 | 13,251 | 16,942 | 18,057 | 22,994 | 28,099 | 35,818 |
| Total Liabilities | 15,760 | 15,652 | 16,223 | 15,870 | 16,911 | 18,864 | 23,337 | 25,356 | 29,162 | 36,056 | 47,836 |
| Current Liabilities | 351 | 279 | 271 | 249 | 356 | 319 | 591 | 509 | 670 | 776 | 931 |
| Non Current Liabilities | 15,408 | 15,373 | 15,953 | 15,622 | 16,556 | 18,545 | 22,746 | 24,847 | 28,492 | 35,280 | 46,906 |
| Total Equity | 889 | 893 | 999 | 889 | 1,432 | 1,961 | 2,180 | 2,651 | 3,204 | 3,804 | 4,498 |
| Reserve & Surplus | 828 | 821 | 918 | 808 | 694 | 1,787 | 2,007 | 2,478 | 3,030 | 3,630 | 4,324 |
| Share Capital | 60 | 72 | 81 | 81 | 86 | 174 | 174 | 174 | 174 | 174 | 174 |
Cash Flow
| Cash Flow | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | -276 | -72 | 485 | 4 | -242 | -34 | 775 | -140 | 263 | 1,318 | 437 |
| Investing Activities | -16 | -13 | -17 | -18 | -22 | -235 | -1,231 | 131 | -724 | -1,439 | 1,904 |
| Operating Activities | -356 | -166 | 395 | 27 | -893 | -1,109 | 1,374 | -853 | 2,212 | 1,783 | -5,256 |
| Financing Activities | 97 | 106 | 106 | -5 | 674 | 1,310 | 632 | 581 | -1,224 | 974 | 3,789 |
Share Holding
| % Holding | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
| Promoter | 49.72 % | 49.72 % | 49.72 % | 49.72 % | 49.72 % | 49.72 % | 49.72 % | 49.72 % | 49.72 % | 49.72 % | 49.72 % | 49.72 % | 49.72 % | 40.00 % | 40.00 % | 40.00 % | 40.00 % | 40.00 % | 40.00 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 4.92 % | 12.43 % | 12.70 % | 12.80 % | 13.07 % | 15.37 % | 14.23 % |
| DIIs | 8.18 % | 9.52 % | 9.74 % | 9.77 % | 9.73 % | 8.90 % | 8.38 % | 11.98 % | 11.67 % | 11.68 % | 14.40 % | 15.53 % | 16.01 % | 18.77 % | 17.65 % | 17.06 % | 16.88 % | 14.63 % | 16.10 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 17.32 % | 16.11 % | 15.92 % | 15.61 % | 16.23 % | 17.24 % | 17.61 % | 18.18 % | 18.18 % | 17.59 % | 16.93 % | 16.00 % | 16.23 % | 16.20 % | 16.73 % | 17.12 % | 17.47 % | 17.57 % | 17.57 % |
| Others | 24.78 % | 24.65 % | 24.62 % | 24.90 % | 24.31 % | 24.13 % | 24.29 % | 20.11 % | 20.42 % | 21.00 % | 18.94 % | 18.74 % | 13.12 % | 12.61 % | 12.92 % | 13.03 % | 12.57 % | 12.43 % | 12.10 % |
| No of Share Holders | 47,513 | 48,133 | 49,691 | 50,072 | 54,235 | 57,613 | 56,842 | 56,801 | 56,752 | 57,087 | 55,529 | 62,958 | 63,497 | 67,004 | 76,579 | 78,654 | 78,236 | 65,044 | 64,754 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 10 Jun 2019 |  Change Of Name | NA | 10 Jun 2019 | 0.00 | 0.00 |
| 23 Aug 2024 |  Annual General Meeting | NA | 23 Aug 2024 | 357.00 | 331.30 |
| 24 Oct 2024 |  Quarterly Result Announcement | NA | 24 Oct 2024 | 314.95 | 302.90 |
| 28 Jan 2025 | Quarterly Result Announcement | NA | 28 Jan 2025 | 321.70 | 300.45 |
| 28 Apr 2025 | Quarterly Result Announcement | NA | 28 Apr 2025 | 296.30 | 355.60 |
| 13 Aug 2025 | Quarterly Result Announcement | NA | 13 Aug 2025 | 427.60 | 405.55 |
| 26 Aug 2025 | Annual General Meeting | NA | 26 Aug 2025 | 424.85 | 386.15 |
| 05 Nov 2025 | Quarterly Result Announcement | NA | 05 Nov 2025 | 385.40 | 418.55 |
Announcements
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
2 days ago
2 days agoAnnouncement under Regulation 30 (LODR)-Newspaper Publication4 days ago
4 days agoTransfer Of Equity Shares From CSB ESOS Trust5 days ago
5 days agoTransfer Of Equity Shares From CSB ESOS Trust9 days ago
9 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome9 days ago
9 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation10 days ago
10 days agoTransfer Of Equity Shares From CSB ESOS TrustNov 11, 2025
Nov 11, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationNov 11, 2025
Nov 11, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeNov 06, 2025
Nov 06, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationNov 06, 2025
Nov 06, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateNov 05, 2025
Nov 05, 2025Outcome Of Board Meeting Held On Wednesday November 5 2025Nov 05, 2025
Nov 05, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseNov 05, 2025
Nov 05, 2025Announcement under Regulation 30 (LODR)-Investor PresentationNov 05, 2025
Nov 05, 2025Board Meeting Outcome for Outcome Of The Board Meeting Dated November 5 2025 - Submission Of Unaudited Financial Results And Limited Review Report Thereon For The Quarter And Half Year Ended September 30 2025Nov 05, 2025
Nov 05, 2025Outcome Of The Board Meeting Dated November 5 2025 - Submission Of Unaudited Financial Results And Limited Review Report Thereon For The Quarter And Half Year Ended September 30 2025Nov 05, 2025
Nov 05, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 31, 2025
Oct 31, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateOct 20, 2025
Oct 20, 2025Change In Domain Of CSB Bank LimitedOct 09, 2025
Oct 09, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 08, 2025
Oct 08, 2025Board Meeting Intimation for Consider And Approve The Unaudited Financial Results Of The Bank For The Quarter And Half Year Ended September 30 2025Oct 06, 2025
Oct 06, 2025Business Updates For The Quarter Ended September 30 2025Oct 02, 2025
Oct 02, 2025Reconstitution Of Nomination And Remuneration Committee Of The BoardSep 26, 2025
Sep 26, 2025Closure of Trading WindowSep 25, 2025
Sep 25, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 22, 2025
Sep 22, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationSep 18, 2025
Sep 18, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 17, 2025
Sep 17, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 12, 2025
Sep 12, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 10, 2025
Sep 10, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 01, 2025
Sep 01, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportAug 26, 2025
Aug 26, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMAug 26, 2025
Aug 26, 2025Transfer Of Equity Shares From CSB ESOS TrustAug 22, 2025
Aug 22, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 21, 2025
Aug 21, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 19, 2025
Aug 19, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 18, 2025
Aug 18, 2025Announcement under Regulation 30 (LODR)-Credit RatingAug 14, 2025
Aug 14, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 14, 2025
Aug 14, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 14, 2025
Aug 14, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 13, 2025
Aug 13, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseAug 13, 2025
Aug 13, 2025Announcement under Regulation 30 (LODR)-Investor PresentationAug 13, 2025
Aug 13, 2025Board Meeting Outcome for Outcome Of The Board Meeting Dated August 13 2025 - Submission Of Unaudited Financial Results And Limited Review Report Thereon For The Quarter Ended June 30 2025Aug 13, 2025
Aug 13, 2025Submission Of Unaudited Financial Results And Limited Review Report Thereon For The Quarter Ended June 30 2025Aug 13, 2025
Aug 13, 2025Grant Of Stock Options Under CSB Employee Stock Option Scheme 2019Aug 13, 2025
Aug 13, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 07, 2025
Aug 07, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 04, 2025
Aug 04, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 03, 2025
Aug 03, 2025Business Responsibility and Sustainability Reporting (BRSR)Aug 02, 2025
Aug 02, 2025Reg. 34 (1) Annual Report.Aug 02, 2025
Aug 02, 2025Mutual Fund Holdings
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RSI(14)
Neutral 49.23
ATR(14)
Volatile 13.52
STOCH(9,6)
Neutral 26.85
STOCH RSI(14)
Oversold 0.00
MACD(12,26)
Bearish -2.59
ADX(14)
Strong Trend 33.46
UO(9)
Bearish 43.18
ROC(12)
Downtrend And Accelerating -1.35
WillR(14)
Neutral -79.25
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