Capital Small Finance Bank Ltd
Press Release - Q1 FY27 Results
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 23 Jul 2026, 04:04 PM IST · BSE ID: 6d2a6d4f-686f-4397-972f-fbd7d7803617
View Original BSE Filing (PDF)
💡
In Simple Terms
Capital Small Finance Bank reported increased profits and loan growth in the first quarter of financial year 2027.
🤖 AI Summary
- Capital Small Finance Bank's Q1 FY27 Net Profit increased by 29.0% year-on-year to ₹41.3 crore.
- Gross Advances grew 22.0% year-on-year to ₹9,074 crore, with Disbursements up 16.5% to ₹1,009 crore in Q1.
- Total Deposits rose 16.3% year-on-year to ₹10,596 crore, improving CASA ratio to 36.7% from 34.7% in Q4 FY26.
- Asset quality improved with Gross NPA at 2.47% and Net NPA at 1.14%, compared to Q4 FY26 levels.
- Pre-Provision Operating Profit (PPOP) for Q1 FY27 stood at ₹64.7 crore, a 23.1% year-on-year growth.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Q1 FY27 Net Profit
₹41.3 crore
29.0%
Q1 FY26 Net Profit
₹32.0 crore
Gross Advances (June 30, 2026)
₹9,074 crore
22.0%
Disbursements in Q1 FY27
₹1,009 crore
16.5%
Total Deposits (June 30, 2026)
₹10,596 crore
16.3%
CASA ratio (June 30, 2026)
36.7%
Q1 FY27 Pre-Provision Operating Profit (PPOP)
₹64.7 crore
23.1%
Gross NPA (June 30, 2026)
2.47%
Net NPA (June 30, 2026)
1.14%
Capital Adequacy (June 30, 2026)
21.58%
Tier I Capital (June 30, 2026)
19.17%
🏢 How This Affects the Company
The bank demonstrated growth in its core lending and deposit franchises, with Gross Advances reaching ₹9,074 crore and Total Deposits at ₹10,596 crore, indicating expanded market penetration and customer engagement.
Profit After Tax rose by 29.0% to ₹41.3 crore, supported by a Net Interest Margin (NIM) improvement to 4.21% and better asset quality, enhancing overall profitability metrics and capital base.
The bank operates 216 branches across 5 states and 2 Union Territories, strengthening its presence in rural and semi-urban markets and supporting its retail-focused lending model.
Asset quality improvement, with Gross NPA at 2.47% and Net NPA at 1.14%, along with a Provision Coverage Ratio (PCR) of 54.5%, indicates a reduction in credit risk.
👥 What This Means For Shareholders
✅
Action Required
No immediate action is required from shareholders based on this financial results press release.
👤
Who Is Affected
All existing shareholders are affected by the company's financial performance, specifically the 29.0% YoY growth in Profit After Tax to ₹41.3 crore.
🔍
Management Signal
Management is focused on expanding presence, strengthening customer relationships, maintaining asset quality, and delivering sustainable, profitable growth.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 results — monitor continued growth in advances and deposits.
Updates on branch network expansion and geographical reach.
Changes in Gross and Net NPA figures in subsequent quarters.
LOW RISK
Improved asset quality and strong capital adequacy indicate reduced financial risk for the period.
💡 Investor Takeaway
Capital Small Finance Bank reported Q1 FY27 Net Profit of ₹41.3 crore, up 29.0% year-on-year from ₹32.0 crore in Q1 FY26. Gross Advances increased 22.0% to ₹9,074 crore, while Gross NPA improved to 2.47%.
⚖️ Strengths & Concerns
✅ Positives
- Profit After Tax for Q1 FY27 increased by 29.0% year-on-year to ₹41.3 crore, demonstrating enhanced profitability.
- Gross Advances grew by 22.0% year-on-year to ₹9,074 crore, supported by improved asset quality with GNPA reducing to 2.47%.
📅 Company Track Record
Capital Small Finance Bank recently listed via IPO in March 2026. The bank's FY26 results, approved on April 29, 2026, showed gross advances ₹8,687 crore and deposits ₹10,018 crore. A dividend of Rs. 5 per share for FY26 was declared subject to AGM approval on June 25, 2026.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Capital Small Finance Bank's Net Profit in Q1 FY27?
Capital Small Finance Bank's Net Profit for Q1 FY27 was ₹41.3 crore, reflecting a 29.0% year-on-year increase from ₹32.0 crore in Q1 FY26.
What were Capital Small Finance Bank's Gross Advances as of June 30, 2026?
As of June 30, 2026, Capital Small Finance Bank's Gross Advances stood at ₹9,074 crore, representing a 22.0% year-on-year growth.
What was Capital Small Finance Bank's CASA ratio in Q1 FY27?
The CASA ratio for Capital Small Finance Bank improved to 36.7% as of June 30, 2026, from 34.7% in Q4 FY26.
How did Capital Small Finance Bank's asset quality change in Q1 FY27?
Capital Small Finance Bank's asset quality improved in Q1 FY27, with Gross NPA reducing to 2.47% and Net NPA to 1.14% as of June 30, 2026.
Questions based on this BSE filing only. For information purposes.