Capital Small Finance Bank Ltd
Financial Results as on June 30, 2026
RESULTS
▲ Positive Development
MEDIUM RISK
📅 Filed on BSE: 23 Jul 2026, 03:56 PM IST · BSE ID: 92cb616a-556a-42f7-9a70-9ac4dafc8716
View Original BSE Filing (PDF)
💡
In Simple Terms
The bank reported its first quarter financial results, showing an increase in profit and an improvement in asset quality.
🤖 AI Summary
- Capital Small Finance Bank approved unaudited financial results for the quarter ended June 30, 2026.
- Net Profit after tax for the quarter reached INR 4,130 million, compared to INR 3,201 million in Q1 FY26.
- Gross Non-Performing Assets (NPAs) stood at 2.47% of Gross Advances, down from 2.74% year-over-year.
- Total Income for the quarter was INR 31,430 million, an increase from INR 26,996 million in Q1 FY26.
- Capital Adequacy Ratio as of June 30, 2026, was 21.58%, with Tier-1 Ratio at 19.17%.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net Profit after tax
4,130 (INR Million)
28.99%
Gross NPAs to Gross Advances
2.47%
Net NPAs to Net Advances
1.14%
Total Income
31,430 (INR Million)
16.42%
Capital Adequacy Ratio
21.58%
Basic EPS
9.09 (INR)
28.39%
🏢 How This Affects the Company
The bank's retail banking segment contributed INR 26,335 million to revenue and INR 5,944 million to segment results, indicating continued focus and growth in this area. Advances increased to INR 9,95,160 million from INR 9,57,241 million QoQ.
Net Profit after tax increased to INR 4,130 million, representing a 28.99% YoY growth, driven by higher Interest Earned of INR 28,818 million. The reduction in Gross and Net NPA ratios indicates improved asset quality, which can reduce future provisioning requirements.
The reported Capital Adequacy Ratio of 21.58% supports ongoing banking operations and potential growth initiatives. Employee cost increased to INR 5,094 million from INR 4,294 million YoY, reflecting operational scaling.
The decrease in Gross NPAs to 2.47% and Net NPAs to 1.14% reduces credit risk exposure for the bank. However, the Capital Adequacy Ratio declined from 24.50% YoY, requiring monitoring for future capital management.
👥 What This Means For Shareholders
✅
Action Required
No immediate action is required by shareholders based on this financial results filing.
👤
Who Is Affected
All shareholders are affected by the financial performance reflected in the Net Profit increase of 28.99% YoY and the asset quality improvement of Gross NPAs to 2.47%.
🔍
Management Signal
The management's approval of the results indicates a focus on profitability and asset quality management, with a slight decrease in capital ratios.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 results — monitor sustained profit growth and asset quality trends.
Capital raising plans — check for any announcements to bolster capital ratios.
RBI guidelines compliance — observe disclosures on regulatory capital requirements.
MEDIUM RISK
Declining Capital Adequacy Ratio warrants monitoring, despite strong profit and asset quality improvements.
💡 Investor Takeaway
Capital Small Finance Bank reported Net Profit of INR 4,130 million for Q1 FY27, a 28.99% increase YoY. Gross NPAs improved to 2.47% from 2.74% YoY, while the Capital Adequacy Ratio declined to 21.58% from 24.50% in Q1 FY26.
⚖️ Strengths & Concerns
✅ Positives
- Net Profit after tax rose by 28.99% year-over-year to INR 4,130 million for the quarter ended June 30, 2026, from INR 3,201 million.
- Gross Non-Performing Assets (NPAs) improved to 2.47% from 2.74% YoY, and Net NPAs reduced to 1.14% from 1.39% YoY.
⚠️ Concerns
- Capital Adequacy Ratio decreased to 21.58% on June 30, 2026, from 24.50% in the prior year comparable period.
- Tier-1 Ratio also saw a reduction to 19.17% on June 30, 2026, compared to 21.11% as of June 30, 2025.
📅 Company Track Record
Capital Small Finance Bank Limited's FY26 results (ended March 31, 2026) approved an unmodified audit, with Rs. 5 per share dividend declared. For FY26, gross advances were ₹8,687 crores and deposits ₹10,018 crores, with NPA at 2.54%.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Capital Small Finance Bank's Net Profit for Q1 FY27?
Capital Small Finance Bank reported a Net Profit after tax of INR 4,130 million for the quarter ended June 30, 2026, an increase from INR 3,201 million in Q1 FY26.
What are Capital Small Finance Bank's Gross and Net NPA ratios for Q1 FY27?
As of June 30, 2026, the bank's Gross NPAs to Gross Advances ratio was 2.47%, and the Net NPAs to Net Advances ratio was 1.14%.
What is Capital Small Finance Bank's Capital Adequacy Ratio as of June 30, 2026?
The Capital Adequacy Ratio for Capital Small Finance Bank was 21.58% as of June 30, 2026, with a Tier-1 Ratio of 19.17%.
What was the Total Income for Capital Small Finance Bank in Q1 FY27?
Capital Small Finance Bank's Total Income for the quarter ended June 30, 2026, stood at INR 31,430 million, compared to INR 26,996 million in Q1 FY26.
What was the Basic Earnings per Share (EPS) for Capital Small Finance Bank in Q1 FY27?
The Basic Earnings per Share (non-annualized) for Capital Small Finance Bank was INR 9.09 for the quarter ended June 30, 2026.
Questions based on this BSE filing only. For information purposes.