Capital Small Finance Bank reported a 22.0% year-on-year increase in gross advances to ₹9,074 crore for the quarter ended June 30, 2026, driven by healthy disbursements. The bank's total deposits grew by 16.3% to ₹10,596 crore during the same period, supported by a strengthening retail deposit franchise. Asset quality improved, with Gross Non-Performing Assets (NPAs) declining to 2.47% of gross advances from 2.75% in the prior year.

The bank's loan book remains well-diversified, with approximately 98% of advances being secured. Disbursements for the quarter reached ₹1,009 crore, compared to ₹865 crore in Q1FY26, reflecting a growth of 16.5%. The Current Account Savings Account (CASA) ratio stood at 36.7% as of June 30, 2026, up from 34.7% as of March 31, 2026, indicating deeper customer engagement.

Key Financial Metrics

The following table outlines the bank's performance for the quarter ended June 30, 2026:

Asset Quality and Liquidity

The improvement in asset quality to 2.47% Gross NPA reflects disciplined underwriting standards and proactive recovery mechanisms. The bank's liquidity position remains comfortable, with the average Credit-Deposit (CD) ratio for the quarter at 83.1%, compared to 82.3% in the previous quarter. This ratio is calculated based on daily outstanding balances.

The bank continues to focus on building a stable, diversified, and cost-efficient liability franchise to support long-term growth. The information provided is provisional and subject to limited review by the statutory auditors.

Capital Small Finance Bank Limited shareholders approved all seven resolutions placed before the 27th Annual General Meeting (AGM) held on June 25, 2026. The meeting, conducted via video conferencing, saw the adoption of the audited financial statements for the financial year ended March 31, 2026, and the declaration of a final dividend for the same period. The voting process was scrutinized by Bunny Sehgal, a Practising Company Secretary from B. Sehgal and Associates.

The resolution to adopt the audited financial statements received 99.994% of the valid votes cast, with 2,28,64,600 shares voting in favour and 1,469 voting against. The resolution to declare the final dividend was passed with 100% approval from valid votes, securing 2,58,85,044 votes in favour and 84 against. The record date for determining shareholder entitlement was June 18, 2026.

Director Appointments and Remuneration

Mr. Balbir Singh (DIN: 02284941), a Nominee Director, was re-appointed to the Board with 91.284% of the valid votes in favour. The resolution received 2,23,94,560 votes in favour and 21,38,323 votes against. Shareholders also approved the appointment and remuneration of the Statutory Auditors, with 99.997% of valid votes supporting the resolution.

Executive Remuneration

The remuneration of Mr. Sarvjit Singh Samra (DIN: 00477444), Managing Director & Chief Executive Officer, effective from April 01, 2026, was approved with 99.992% of the valid votes. Similarly, the remuneration of Mr. Munish Jain (DIN: 10132430), Whole-time Director designated as Executive Director, also effective from April 01, 2026, was passed with 99.993% approval. The remuneration for non-executive directors was approved with 99.994% of the valid votes.

Voting Summary

The remote e-voting facility was open from June 22, 2026, to June 24, 2026. The total number of shareholders on the record date was 64,471. All resolutions were passed with the requisite majority as certified by the scrutinizer.