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%.

Capital Small Finance Bank recorded a notable block trade on the National Stock Exchange during the pre-open session. The transaction was executed at a price of ₹270 per share, reflecting significant institutional or large investor activity in the counter.

Block Trade Details

The following table summarises the key parameters of the block trade:

Block trades of this scale are typically executed by institutional investors or large stakeholders and are carried out outside the regular order book to minimise market impact. The pre-open session execution of this trade underscores the significance of the transaction for Capital Small Finance Bank.