Capital Small Finance Bank reported a Profit After Tax (PAT) of ₹141 crore for the financial year ended March 31, 2026, reflecting a compound annual growth rate (CAGR) of 26%. The bank's total deposits crossed the ₹10,000 crore mark, reaching ₹10,018 crore, a 20% year-on-year growth, while gross advances stood at ₹8,687 crore, registering approximately 21% growth. The bank's asset quality remained stable with a Gross Non-Performing Asset (GNPA) ratio of ~2.5% and Net NPA (NNPA) at ~1.2%.

At its 27th Annual General Meeting (AGM) held on June 25, 2026, the bank's shareholders appointed M/s GSA & Associates LLP as the statutory auditor for a term of three years, covering financial years FY 2026-27 to FY 2028-29. The appointment is effective from the conclusion of the AGM and had previously received approval from the Reserve Bank of India (RBI) and the Board of Directors on April 29, 2026.

The bank's Pre-Provision Operating Profit (PPOP) stood at ₹223 crore for FY26, a growth of 19%, while the Net Interest Margin (NIM) was 4.04%. The Return on Assets (RoA) improved to 1.23%. The Capital Adequacy Ratio (CAR) was reported at 22.3% as on March 31, 2026, and the Average Liquidity Coverage Ratio (LCR) for Q4FY26 stood at 211%, indicating strong capital and liquidity buffers.

Key Performance Indicators for FY26

The bank's branch network expanded to 211 branches across 5 states and 2 Union Territories as of March 2026. The management outlined 'Vision 2029', targeting advances of over ₹16,000 crore, a branch network exceeding 300 outlets, and an RoA exceeding 1.6%. The meeting, conducted via Video Conferencing, was chaired by Mr. Navin Kumar Maini, Part-Time Chairman, and attended by key management personnel including Mr. Sarvjit Singh Samra, Managing Director & CEO.

capital small finance bank reported a net profit of ₹141 crore for the financial year ended March 31, 2026, delivering a compound annual growth rate (CAGR) of 26%. The bank’s total deposits crossed the ₹10,000 crore mark, reaching ₹10,018 crore and registering a 20% year-on-year growth. Gross advances stood at ₹8,687 crore, registering approximately 21% year-on-year growth, led by traction across MSME, mortgage, and agriculture segments.

The bank’s asset quality remained stable, with gross non-performing assets (GNPA) at approximately 2.5% and net non-performing assets (NNPA) at 1.2%. The secured loan book constituted approximately 98% of the total advances. The cost of deposits and overall cost of funds were maintained at 5.9% and 6.0%, respectively. The net interest margin (NIM) stood at 4.04% for FY26, while the return on assets (RoA) was 1.23%.

Capital and Liquidity Position

The bank maintained a strong capital and liquidity position during the year. The capital adequacy ratio (CAR) stood at 22.3% as on March 31, 2026. The average liquidity coverage ratio (LCR) for Q4FY26 stood at 211%, providing significant headroom to support future growth.

Operational Metrics

Branch Network and Expansion

As of March 2026, the bank’s branch network expanded to 211 branches across 5 states and 2 Union Territories. The bank strengthened its presence in rural and semi-urban markets, with 77.3% SURU branches. Geographically, growth outside the home state of Punjab continued to outpace the overall bank growth, with the out-of-Punjab advance portfolio constituting 24% as on March 31, 2026, compared to 21% in FY25.

Future Outlook

The bank outlined its Vision 2029, aiming to scale advances to over ₹16,000 crore and expand the branch network to more than 300 outlets. The medium-term ambition includes improving profitability and efficiency, with RoA exceeding 1.6% and return on equity (RoE) above 15%, while maintaining a conservative risk profile with Net NPAs below 1% and credit costs under 0.3%.