Capital Small Finance Bank Limited has announced that its Board of Directors will convene on January 29, 2026, to deliberate on key financial and strategic matters. The meeting has been scheduled in compliance with Regulation 29 and other applicable provisions of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Board Meeting Agenda

The upcoming board meeting will focus on two primary agenda items that are crucial for the bank's operational and financial framework:

Regulatory Compliance

The bank has fulfilled its regulatory obligations by notifying both major stock exchanges about the scheduled board meeting. The communication was addressed to BSE Limited and National Stock Exchange of India Limited on January 22, 2026. The bank trades under scrip codes 544120, 951995, and 953739 on BSE, while its NSE symbol is CAPITALSFB.

Corporate Communication

The formal intimation was signed by Amit Sharma, Company Secretary and Compliance Officer (Membership No. F10888), ensuring proper corporate governance protocols are maintained. The bank has requested the exchanges to take the intimation on record and bring it to the notice of all concerned stakeholders.

Company Information

Capital Small Finance Bank Limited operates from its registered and head office located at MIDAS Corporate Park, 3rd Floor, 37, G.T. Road, Jalandhar-144 001. The bank maintains its corporate identity number as L65110PB1999PLC022634, reflecting its incorporation status and regulatory compliance framework.

Capital Small Finance Bank has announced its provisional business highlights for the quarter ended December 31, 2025, demonstrating strong growth momentum across key financial parameters. The bank reported significant expansion in its loan portfolio and deposit base while maintaining stable asset quality metrics.

Financial Performance Overview

The bank's financial performance for Q3FY26 showcased robust growth across multiple dimensions:

Loan Portfolio Expansion

The bank's gross advances reached ₹8,164 crores as of December 31, 2025, marking a substantial year-on-year growth of 19.80% and quarter-on-quarter growth of 3.30%. Disbursements during the quarter increased significantly to ₹919 crores, compared to ₹737 crores in Q3FY25, reflecting a growth of 24.70%. The loan portfolio maintains its retail-centric approach with 98.70% of the book being secured, demonstrating the bank's focus on risk management and prudent lending practices.

Asset Quality Management

Asset quality remained consistently stable throughout the reporting period. Gross NPAs stood at 2.70% as of December 31, 2025, unchanged from both the previous quarter and the corresponding quarter of the previous year. This stability reflects the bank's emphasis on prudent underwriting standards, robust recovery mechanisms, and maintenance of a well-secured, diversified, and granular loan book that continues to demonstrate strong repayment behavior.

Deposit Growth and CASA Performance

Total deposits aggregated to ₹9,931 crores, registering impressive year-on-year growth of 18.50% and quarter-on-quarter growth of 6.60%. A notable improvement was observed in the CASA ratio, which increased to 35.90% as of December 31, 2025, from 33.90% as of September 30, 2025. This enhancement reflects the bank's sustained focus on building a stable and cost-efficient deposit franchise.

Liquidity and Capital Ratios

The bank maintained healthy liquidity metrics during the quarter:

The average credit-to-deposit ratio for the quarter ended December 31, 2025, stood at 80.40%, compared to 81.60% in the previous quarter and 81.10% in the corresponding quarter of the previous year. The Liquidity Coverage Ratio stood at 215.82%, which, along with higher capital adequacy ratios, provides sufficient room for future growth initiatives.

The financial data presented is provisional and subject to limited review by statutory auditors and approval from the Audit Committee and Board of Directors.