CSB Bank Limited has reported strong business growth for the financial year ended March 31, 2026, demonstrating robust performance across key banking parameters. The bank's total deposits reached ₹44,246 crore (442.46 billion rupees), representing a significant 20% year-on-year growth from ₹36,861 crore (368.61 billion rupees) in the previous financial year.

Deposit Portfolio Performance

The bank's deposit portfolio showed mixed performance across different categories. While total deposits grew substantially, the composition revealed varying trends in customer preferences and banking strategies.

Term deposits emerged as the primary growth driver, increasing by 27% to ₹35,414 crore from ₹27,943 crore in the previous year. However, CASA (Current Account Savings Account) deposits experienced a marginal decline of 1%, dropping to ₹8,832 crore from ₹8,918 crore.

Lending Business Expansion

The bank's lending portfolio demonstrated exceptional growth, particularly in specialized segments. Gross advances increased by 27% year-on-year, reaching ₹40,364 crore (403.64 billion rupees) compared to ₹31,842 crore (318.42 billion rupees) in the previous financial year.

The most notable performance came from advances against gold and gold jewellery, which surged by 53% to ₹21,567 crore from ₹14,094 crore. This category excludes receivables secured against gold, highlighting the bank's focused approach to gold-backed lending products.

Quarterly Progression

The bank's performance showed consistent momentum throughout the financial year. By December 31, 2025, total deposits had reached ₹40,460 crore, indicating steady growth trajectory leading to the year-end figures. Similarly, gross advances stood at ₹37,161 crore in December 2025, demonstrating sustained lending activity.

Regulatory Compliance

CSB Bank submitted these business updates in compliance with Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. The bank also adhered to its Code of Practices and Procedures for Fair Disclosure of Unpublished Price Sensitive Information under SEBI regulations. The reported figures are provisional and subject to audit by the bank's Joint Statutory Auditors, ensuring transparency and regulatory compliance in financial reporting.

CSB Bank has disclosed its participation in analyst and institutional investor meetings held on March 20, 2026, as part of its regulatory compliance obligations. The bank filed the disclosure with both BSE Limited and National Stock Exchange of India Ltd., adhering to SEBI's transparency requirements for listed companies.

Meeting Details and Participants

The bank conducted a meeting with a key financial entity on March 20, 2026. The session was structured as a one-on-one interaction, providing focused engagement opportunity between the bank's management and institutional stakeholders.

The participating entity included Beas Capital, which engaged in a one-on-one meeting format in Mumbai. This follows the bank's previous investor engagement sessions, including meetings held on March 16, 2026, with Amansa Capital and Wisconsin Investment Management Company.

Regulatory Compliance Framework

The disclosure was made pursuant to Regulation 30(6) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. This regulation mandates listed companies to inform stock exchanges about their interactions with analysts and institutional investors to maintain market transparency.

CSB Bank specifically confirmed that no unpublished price sensitive information (UPSI) was shared during the meeting. This compliance measure ensures that all market participants have equal access to material information and prevents any potential insider trading scenarios.

Documentation and Authorization

Company Secretary Sijo Varghese digitally signed the regulatory filing on March 20, 2026, at 11:51:55 +05'30', ensuring proper authorization and timestamp verification. The filing was simultaneously submitted to both major Indian stock exchanges where the bank's shares are listed.

The structured approach to investor relations demonstrates CSB Bank's commitment to maintaining transparent communication channels with the investment community while adhering to regulatory frameworks designed to protect market integrity.