Capital Small Finance Bank FY26: deposits cross ₹10k cr

Key FY26 takeaway for investors

Capital Small Finance Bank Ltd reported FY26 business momentum that kept credit and deposit growth above 20% while improving asset quality in the March quarter. The Jalandhar-based lender said deposits crossed the ₹10,000 crore milestone by the end of March 2026, alongside a rise in advances to ₹8,687 crore. The bank’s FY26 profit after tax (PAT) was reported at ₹141.4 crore. The disclosures also pointed to steady progress through the year, with Q3 FY26 deposits at ₹9,931 crore and advances at ₹8,164 crore. Separately, FY2025 numbers in the provided data show PAT at ₹132 crore, up 18%, with advances at ₹7,184 crore and deposits at ₹8,323 crore.

FY26 results announcement and context

On April 29, 2026, Capital Small Finance Bank declared its audited financial results for Q4 FY26 and the year ended March 31, 2026. The bank described the year as one of strong business momentum and record disbursements, alongside “healthy asset quality.” It also marked a milestone year operationally, completing ten years as India’s first Small Finance Bank and 26 years as a financial institution. The announcement highlighted deposit expansion beyond ₹10,000 crore and advances at ₹8,687 crore at year-end.

Advances growth: FY25 base and FY26 acceleration

The bank’s gross advances for FY2025 were stated at ₹7,184 crore, reflecting 17% year-on-year growth at that time. By Q3 FY26, gross advances were reported at ₹8,164 crore, up 19.8% year-on-year. In Q4 FY26, advances reached ₹8,687 crore, representing 20.9% year-on-year growth and 6.4% quarter-on-quarter growth. Another disclosure in the supplied text also expressed the March 31, 2026 figure as 86.87 billion rupees, which is equivalent to ₹8,687 crore.

The updates also included a June 30, 2025 snapshot, when gross advances stood at ₹7,437 crore, up 16.4% year-on-year and 3.5% quarter-on-quarter. Management commentary in the same material stated that the quarter’s growth driver remained the MSME portfolio, which grew 25.6% year-on-year and 9% quarter-on-quarter, followed by LAP within the mortgage segment, which grew 23.6% year-on-year and 5.4% quarter-on-quarter. A “mortgage book” figure in the text was also cited as 16% year-on-year growth and 3.9% quarter-on-quarter growth.

Deposit trajectory: moving past ₹10,000 crore

On the liability side, FY2025 deposits were reported at ₹8,323 crore, up 11%. By Q3 FY26, total deposits stood at ₹9,931 crore, marking 18.5% year-on-year growth. In Q4 FY26, total deposits were reported at ₹10,018 crore, up 20.4% year-on-year, crossing the ₹10,000 crore milestone. Another line item in the data also referenced deposits of ₹10,008 crore and deposit growth of 35%, alongside a gross loan book of ₹8,687 crore as of FY26.

A separate quarterly commentary stated total deposits grew to ₹9,110 crore, reflecting 17.1% year-on-year and 9.5% sequential growth. The same excerpt attributed deposit momentum to “favorable monetary policy cues and sustained customer trust,” and noted liquidity levels “remaining healthy at 35.9%,” without specifying a particular ratio name.

Profitability: PAT trend and quarterly profit print

Profitability disclosures in the provided text include multiple time points. For FY2025, PAT was stated at ₹132 crore, up 18% year-on-year. For FY26, the bank reported PAT at ₹141.4 crore, and another line summarised the three-year trajectory as ₹112 crore (Mar 2024), ₹132 crore (Mar 2025), and ₹141 crore (Mar 2026).

For the March quarter, the bank reported net profit of ₹40 crore, up from ₹34 crore in the year-ago period. Another quarterly reference in the text stated “Profit rose to ₹32 crore” and “Profit after tax rose to ₹32 crore marking a 7% year-on-year growth,” tied to the June 30, 2025 quarter commentary.

Asset quality and disbursements: Q4 FY26 signals

The bank reported an improvement in asset quality in Q4 FY26, with gross NPAs declining to 2.54% from 2.68% in the previous quarter. On loan origination activity, Q4 disbursements were reported at ₹919 crore, and described as up 20.1% year-on-year. These datapoints were positioned alongside the broader narrative of maintaining “healthy asset quality” while scaling the balance sheet.

Rating view and peer comparison in the market

The supplied material included a “Rating Distribution” summary stating that the consensus among brokerage houses covering the stock leans toward a “Buy/Accumulate” rating for long-term investors. At the same time, short-term sentiment was described as “Neutral,” linked to broader market pressures on the banking sector.

On relative stock performance, the text noted that over the last three months the stock attempted to stabilise but generally underperformed larger peers such as Equitas or AU Small Finance Bank.

Share price snapshots mentioned in the data

Two separate price updates were included in the provided content. One snapshot showed ₹295.00 with a move of +₹19.30 (+7.00%), alongside “1D +7.00%” and “1Y +7.21%.” Another update stated the share price “moved up by 0.92%” from a previous close of ₹257.70, with the stock last traded at ₹260.05. A separate line also cited a price of ₹259.00 at a particular timestamp, up 0.51% from a previous closing price of ₹258.1. These figures appear to be from different market updates and times.

Snapshot table: key disclosed numbers

Why these metrics matter for the banking narrative

The combination of 20% plus growth in advances and deposits, alongside a sequential decline in gross NPAs to 2.54% in Q4 FY26, frames the FY26 story around expansion with monitored credit quality. The FY25 base numbers in the supplied data show the bank already on a growth path, with deposits at ₹8,323 crore and advances at ₹7,184 crore, which sets context for the move past ₹10,000 crore in deposits by March 2026.

Management’s stated FY26 goal in the text was to target “20% plus” credit growth and improve the CD ratio, indicating that balance sheet expansion remains a key operating theme. For market participants, the presence of mixed near-term stock sentiment (neutral short-term, buy-accumulate long-term) in the provided ratings summary suggests that business delivery is being viewed against broader sector conditions rather than in isolation.

Conclusion

Capital Small Finance Bank’s disclosed FY26 numbers show deposits at ₹10,018 crore, advances at ₹8,687 crore, PAT at ₹141.4 crore, and improved gross NPAs at 2.54% in Q4 FY26. The bank’s interim Q3 FY26 data also reflected steady growth, with deposits at ₹9,931 crore and advances at ₹8,164 crore. The next set of milestones for investors to track will be subsequent quarterly updates on deposit mobilisation, credit growth versus the stated 20% plus target, and any further movement in asset quality metrics.