Capital Small Finance Bank Ltd(CAPITALSFB)

NSE: CAPITALSFBBSE: 544120

₹ 260.55+0.48%refreshed 26 Oct, 03:30 pm ISTMarket cap: ₹ 1,185 crNext results: 29 Oct 2026Website: www.capitalbank.co.inUpdated: 27 Oct 2026

About

Capital Small Finance Bank is a Punjab-based small finance bank offering retail banking, wholesale banking, and treasury services, with gross advances of ₹9,755 crore and total deposits of ₹10,831 crore as of September 30, 2026. Retail banking contributes 71% of segment revenue in FY26, with MSME/business loans as the fastest-growing product line. The bank reported FY26 revenue of ₹1,146.87 crore and PAT of ₹141.39 crore.^[1][2][3]

Business segments

Retail Banking: 71% of segment revenue (₹961.57 cr) in FY26, generating ₹208.13 cr EBIT at a 21.6% margin; share declined 3.4 pp over FY24 - FY26.^[2]
Treasury: 16.4% of segment revenue (₹221.66 cr) in FY26, with ₹24.99 cr EBIT at an 11.3% margin.^[2]
Wholesale Banking: 9.4% of segment revenue (₹127.60 cr) in FY26, with ₹7.21 cr EBIT; share rose 3.0 pp over FY24 - FY26.^[2]
Other Banking Operations: 3.2% of segment revenue (₹43.25 cr) in FY26, with ₹40.37 cr EBIT at a 93.3% margin.^[2]

Loan book and deposits

Gross advances reached ₹9,755 crore as of September 30, 2026, up 23.4% YoY and 7.5% QoQ.^[1]
Total deposits reached ₹10,831 crore as of September 30, 2026, up 16.2% YoY and 2.2% QoQ.^[1]
MSME/business loans grew 49% YoY and 11% QoQ in Q1 FY27, reaching 27% of the advance book, up from 22% a year earlier.^[4]
CASA ratio improved to 36.7% in Q1 FY27 from 34.7% in March 2026; retail deposits remain above 90% of total deposits.^[4]
Fixed-rate loans expanded to 48% of the total portfolio (from 39% in 2024) to limit NIM sensitivity to rate cuts.^[5]

Key operating metrics

NIM expanded to 4.21% in Q1 FY27 from 4.06% in Q4 FY26 and 4.06% in Q1 FY26, driven by deposit repricing and a higher average CD ratio of 83%.^[4]
GNPA improved to 2.36% as of September 30, 2026, continuing a trend from 2.47% in Q1 FY27 and 2.75% in Q1 FY26.^[1][4]
NNPA fell to 1.14% in Q1 FY27 from 1.39% in Q1 FY26; PCR rose to 54.51% from 50.17%.^[4]
Credit cost stood at 0.31% in Q1 FY27; cost-to-income ratio improved to 59.5% from 60.6% in Q1 FY26.^[4]
ROA was 1.30% in Q1 FY27, up from 1.18% in Q1 FY26; CRAR stood at 21.6% in Q1 FY27.^[4]

Geographic reach and distribution

The bank crossed 200 branches as of Q2 FY26; Haryana had 24 branches and Rajasthan 4, with a pipeline of 28 additional branches.^[5]
Advances from outside Punjab reached 25% of the book in Q1 FY27, up from 21% a year earlier, growing over 30% YoY.^[4]
Liabilities sourced from outside Punjab improved from 8% to 10% of total deposits QoQ in Q1 FY27.^[4]

Products and channels

Loan portfolio spans agriculture, housing loans, LAP, MSME/business loans, and other retail products; the core four segments target 75% - 80% of the total book.^[6]
Bancassurance commissions of ₹12.1 crore drove non-interest income to ₹27 crore (+46% YoY) in Q3 FY26; non-interest income sustained at 0.9% of average assets.^[6]
Business-correspondent lending via FLDG framework with multiple NBFC partners was activated in Q4 FY26, targeting high-yielding secured loans in geographies with thin branch presence.^[7]

Expansion plans

Advance book targeted to grow 22% in FY27 and reach ₹16,000 crore+ by FY29.^[4]
Average CD ratio to be accelerated to mid-to-high 80s to support NIM expansion; management sees 3% - 6% headroom from the Q1 FY27 level of 83%.^[4]
The bank aspires to apply for a universal bank licence once NNPA falls below 1%; Board to decide on timing.^[4]

Recent developments

Business update filed October 1, 2026: gross advances ₹9,755 crore (+23.4% YoY) and deposits ₹10,831 crore (+16.2% YoY) as of September 30, 2026.^[1]
Q1 FY27 disbursements stood at ₹1,009 crore, up 17% YoY, with MSME gross NPA in absolute terms declining to ₹54.54 crore from ₹65.41 crore in March 2023 despite 49% YoY book growth.^[4]
SMA-2 ticked up to 3.11% in Q1 FY27 from 2.71% in Q4 FY26, attributed to seasonal lag in farm-income transmission; combined SMA-1+2 improved to 4.78% from 5.47% a year ago.^[4]

Market Cap

₹1,185 Cr

High / Low

₹328 / 207

Stock P/E

7.8

Price / Book

0.8

Book Value

₹312

EPS

₹31.1

No. of Shares

4.54 Cr

ROE

10.1%

Sales

₹1,049 Cr

Net Profit

₹141 Cr

Promoter holding

18.3%

Loading chart…

Signal history

AI Deep Dive

The analysis Screener can't give you

Our models read the latest earnings call, annual report, and financials end-to-end - then grade management, value the business, and flag the risks. Unlock all of it for this company:

Verdict
The headline call - descriptive label, conviction, and the synthesis behind it.
Valuation
Guidance-anchored P&L bridge - worst / average / best multiple cases.
Walk the talk
Did management deliver on past guidance? A commitment-by-commitment scorecard.
Red flags
Forensic and governance risk pointers, severity-ranked.
Balance sheet
Solvency and earnings-quality score.
Concall briefs
Quarter-by-quarter earnings-call briefs - what changed and why.

₹49 unlocks this company for 90 days, ₹299 for a full year - bundles bring it lower. Built on public disclosures - educational, not investment advice.

AI Deep Dive

Verdict

Locked

The headline call - descriptive label, conviction, and the synthesis behind it.

Company data

Financials

Capital Small Finance Bank Ltd(CAPITALSFB)

About

Business segments

Loan book and deposits

Key operating metrics

Geographic reach and distribution

Products and channels

Expansion plans

Recent developments

Signal history

The analysis Screener can't give you

AI Deep Dive

Verdict

Company data

Product Segments

Corporate Actions