Capital Small Finance Bank Limited has announced a significant addition to its board of directors. Mr. Bhavdeep Sardana, a seasoned professional in the agro-based food industry, has been appointed as a Non-Executive Non-Independent Director of the bank, effective August 04, 2025, for a term of eight years.

Key Appointment Details

Professional Background

Mr. Sardana brings a wealth of experience to the bank's board:

• Current Role: Senior Vice President & CEO of The Sukhjit Starch & Chemicals Limited
• Industry Experience: 30 years in agro-based food industries
• Expertise: Commercial, Administrative, Operations, and Management
• Company Profile: The Sukhjit Starch & Chemicals Limited is listed on NSE & BSE with an annual turnover of approximately Rs. 1500.00 crores

Additional Roles and Affiliations

Mr. Sardana holds several key positions:

• CEO of The Sukhjit Agro Industries, Himachal Pradesh
• Director in Sukhjit Mega Food Park & Infra Ltd., Phagwara, Punjab
• Member of the Punjab State Planning Board
• Member of the Punjab State Council for Agricultural Education
• Member of the Food Processing Advisory Committee, Government of Punjab

Corporate Governance

In line with regulatory requirements, the bank has disclosed that:

• There is no inter-se relationship between Mr. Sardana and other directors of the bank
• Mr. Sardana holds 1,28,391 equity shares in the bank jointly with his spouse, Mrs. Dipti Sardana
• He is not debarred from holding the office of Director by any SEBI Order or other authority

This appointment aligns with Capital Small Finance Bank's strategy to strengthen its board with diverse expertise. Mr. Sardana's extensive experience in the agro-based food industry and his various governmental affiliations are expected to bring valuable insights to the bank's operations and strategic decisions.

The bank's shareholders have shown confidence in this appointment through their approval via postal ballot, indicating a positive outlook on the potential contributions Mr. Sardana may bring to the institution's growth and governance.

As Capital Small Finance Bank continues to evolve in the competitive banking landscape, the addition of Mr. Sardana to its board may signal the bank's intent to enhance its understanding and possibly its footprint in the agro-based and rural banking sectors.

Capital Small Finance Bank has demonstrated strong financial performance, with significant growth in both advances and deposits for the quarter ended September 30, according to the bank's latest business highlights.

Impressive Growth in Advances

The bank reported a substantial increase in its gross advances, which stood at ₹7,907.00 crores as of September 30. This represents a remarkable year-over-year growth of 17.70% and a quarter-on-quarter increase of 6.30%. The loan portfolio expansion is further emphasized by a 10.10% growth year-to-date for the half-year period.

Notably, disbursements during the quarter surged to ₹805.00 crores, marking a significant 36.20% increase compared to ₹591.00 crores in the same quarter of the previous fiscal year. The bank maintains a well-diversified loan book, with 99.00% of loans being secured, aligning with its retail-centric lending approach.

Deposit Mobilization Strengthens

Total deposits for Capital Small Finance Bank reached ₹9,317.00 crores, showcasing a robust year-over-year growth of 19.80% and a quarter-on-quarter increase of 2.30%. The year-to-date growth for the half-year period stood at an impressive 12.00%.

Stable Asset Quality

The bank's asset quality remained steady, with Gross Non-Performing Assets (NPAs) at 2.70% as of September 30. This figure is slightly lower on a quarter-on-quarter basis and marginally higher compared to 2.60% in the same quarter of the previous year. The stability in asset quality reflects the bank's prudent underwriting practices and robust recovery mechanisms.

Key Financial Metrics

Other Notable Highlights

• The CASA (Current Account Savings Account) ratio stood at a healthy 33.90% as of September 30, compared to 35.90% on June 30.
• The average Credit-Deposit (CD) ratio for the quarter ended September 30 was 81.50%, slightly up from 80.90% in the previous quarter.
• The Liquidity Coverage Ratio (LCR) of the bank was robust at 234.90% for the quarter ended September 30, indicating strong liquidity position.

Capital Small Finance Bank's performance demonstrates its ability to expand its lending activities while simultaneously growing its deposit base. The bank's focus on secured lending and maintaining asset quality positions it well for sustainable growth in the small finance banking sector.