Capital Small Finance Bank Limited has announced strong business highlights for the quarter and year ended March 31, 2026, demonstrating robust growth across key financial metrics. The bank's performance reflects sustained momentum in loan book expansion and improved asset quality, reinforcing its position in the small finance banking sector.

Financial Performance Overview

The bank's financial metrics for Q4FY26 showcase strong performance across all major parameters:

Loan Portfolio Growth

Capital Small Finance Bank closed FY2026 on a strong note, with gross advances reaching ₹8,687 crores as of March 31, 2026. This performance reflects robust year-on-year growth of 20.90% and quarter-on-quarter growth of 6.40%, underscoring sustained momentum in loan book expansion. Disbursements during the quarter increased significantly to ₹919 crores, compared to ₹765 crores in Q4FY25, reflecting growth of 20.10%.

The loan book remains well-diversified, with approximately 98% being secured, consistent with the bank's prudent, retail-focused lending philosophy. This approach demonstrates the institution's commitment to maintaining asset quality while pursuing growth opportunities.

Asset Quality Improvement

Asset quality strengthened meaningfully during the quarter, with gross NPAs at 2.54% as of March 31, 2026, compared to 2.68% in Q3FY26 and 2.58% in Q4FY25. The improvement reflects the bank's disciplined underwriting standards, proactive recovery mechanisms, and the inherent resilience of its well-secured, granular, and diversified loan portfolio.

Deposit Franchise Expansion

Total deposits crossed the ₹10,000 crores milestone, standing at ₹10,018 crores as of March 31, 2026, representing year-on-year growth of 20.40%. This achievement underscores the bank's growing deposit franchise and customer confidence. The CASA ratio remains healthy at 34.70% as of March 31, 2026, compared to 35.90% as of December 31, 2025.

The bank continues to emphasize expanding its retail customer base and deepening engagement across its branch network, building a stable, diversified and cost-efficient liability franchise to support long-term growth.

Liquidity and Capital Position

The average credit-to-deposit ratio for the quarter ended March 31, 2026 stood at 82.30%, compared to 80.40% for the quarter ended December 31, 2025. The bank's liquidity position remains comfortable, supported by a well-capitalised balance sheet that provides adequate headroom to sustain and accelerate growth going forward.

The information presented is provisional and subject to audit by the statutory auditors and approval from the Audit Committee and Board of Directors. These business highlights demonstrate Capital Small Finance Bank's continued progress in building a robust and sustainable banking franchise.

Capital Small Finance Bank Limited has filed its mandatory regulatory disclosure with stock exchanges, confirming compliance with SEBI takeover regulations for the financial year ended March 31, 2026.

Regulatory Filing Details

The bank submitted its disclosure under Regulation 31(4) of SEBI (Substantial Acquisition of Shares & Takeovers) Regulations, 2011 to both BSE Limited and National Stock Exchange of India Limited on April 01, 2026. Company Secretary and Compliance Officer Amit Sharma filed the disclosure on behalf of the bank's promoter group.

Share Encumbrance Declaration

The disclosure confirms that no encumbrance was made by any promoter or promoter group entities on the bank's equity shares during Financial Year 2025-26. The declaration covers all persons and entities falling under the promoter and promoter group category, including those acting in concert.

Promoter and Promoter Group Structure

The filing provides a comprehensive list of all promoter and promoter group entities:

Declaration and Compliance

Promoter Sarvjit Singh Samra provided the declaration on behalf of all listed persons and entities, confirming the accuracy and completeness of the disclosure. The declaration was made from Jalandhar on April 01, 2026, and submitted to the bank's Audit Committee as part of the compliance process.

Stock Exchange Communication

The disclosure was formally communicated to both major Indian stock exchanges where the bank's securities are listed. The bank trades under the symbol CAPITALSFB on NSE, with scrip codes 544120, 951995, and 953739 assigned for different securities on BSE.