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Capital Small Finance Bank is a regionally focused small finance bank headquartered in Jalandhar, Punjab, offering retail and commercial banking products across Punjab, Haryana, Delhi, Rajasthan, Himachal Pradesh and Chandigarh, with a branch-led model targeting middle-income MSME, mortgage and agricultural borrowers and a retail-centric deposit franchise focused on semi-urban and rural markets.
Q1 FY27 results show continued franchise momentum: gross advances reached INR 9,074 crores, up 22% year-on-year, deposits grew 16% to INR 10,596 crores and disbursements were INR 1,009 crores, reflecting broad-based growth led by MSME and business loans while non-Punjab growth outpaced the portfolio at over 30% year-on-year.
Asset quality and capital buffers remain solid: GNPA improved to 2.47% and NNPA to 1.14% with PCR at 54.5%, capital adequacy at 21.6% and LCR averaging 184%, indicating conservative provisioning, ample capital headroom for growth and disciplined risk management during expansion.
Margin and profitability trajectory show early improvement and clear targets: NIM expanded to 4.21% in Q1 FY27, net interest income grew 22% year-on-year, PAT for the quarter was INR 41.3 crores and management expects stabilized NIM in FY27 with further expansion in FY28–29 supported by higher CD ratio and deposit repricing benefits.
Strategic focus is on secured, granular lending: 97.4% of the portfolio is secured, the bank targets middle-income MSME, mortgage and agriculture segments with average ticket sizes rising to INR 19.04 lakhs, and management is executing a branch-led distribution strategy to scale these higher-yielding, collateralized products outside core geographies.
Banks
Other Bank
1,186 Cr
Low Risk
7.9
11.8
0.3
0.8
328.40
207.00
Sales CAGR
Profit CAGR
ROE
ROCE
Upcoming Result Date: Oct 28, 2026
Discovery themes featuring this stock
Capital Small Finance Bank Ltd (CAPITALSFB) is currently trading at 259.30 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Capital Small Finance Bank is a regionally focused small finance bank headquartered in Jalandhar, Punjab, offering retail and commercial banking products across Punjab, Haryana, Delhi, Rajasthan, Himachal Pradesh and Chandigarh, with a branch-led model targeting middle-income MSME, mortgage and agricultural borrowers and a retail-centric deposit franchise focused on semi-urban and rural markets. Q1 FY27 results show continued franchise momentum: gross advances reached INR 9,074 crores, up 22% year-on-year, deposits grew 16% to INR 10,596 crores and disbursements were INR 1,009 crores, reflecting broad-based growth led by MSME and business loans while non-Punjab growth outpaced the portfolio at over 30% year-on-year. Asset quality and capital buffers remain solid: GNPA improved to 2.47% and NNPA to 1.14% with PCR at 54.5%, capital adequacy at 21.6% and LCR averaging 184%, indicating conservative provisioning, ample capital headroom for growth and disciplined risk management during expansion. Margin and profitability trajectory show early improvement and clear targets: NIM expanded to 4.21% in Q1 FY27, net interest income grew 22% year-on-year, PAT for the quarter was INR 41.3 crores and management expects stabilized NIM in FY27 with further expansion in FY28–29 supported by higher CD ratio and deposit repricing benefits. Strategic focus is on secured, granular lending: 97.4% of the portfolio is secured, the bank targets middle-income MSME, mortgage and agriculture segments with average ticket sizes rising to INR 19.04 lakhs, and management is executing a branch-led distribution strategy to scale these higher-yielding, collateralized products outside core geographies.
Over the past 52 weeks, Capital Small Finance Bank Ltd has traded between a low of ₹207.00 and a high of ₹328.40. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Capital Small Finance Bank Ltd has a market capitalization of approximately 1,186.44. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Capital Small Finance Bank Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 7.87 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 1,186.44 Cr, Capital Small Finance Bank Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Capital Small Finance Bank Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Capital Small Finance Bank Ltd is 7.87. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
The bank has scheduled the call for July 24, 2026 at 11:00 AM IST, and it will be held on a virtual conference platform.
As of March 31, 2026, total deposits were ₹10,018 crore and gross advances were ₹8,687 crore.
Gross advances were reported at Rs 8,687 crore, up 20.9% year-on-year from Rs 7,184 crore.
The main changes include the addition of Aditya Birla Capital and L&T Finance to the MSCI Global Standard Index and the exclusion of Indian Railway Catering and Tourism Corporation (IRCTC).
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
65.81 | 7,627 Cr | 14.94 | 1.24 | 0.00 | 8.33 | 6.83 | 0.18 | ||
383.15 | 4,278 Cr | 9.01 | 0.96 | 0.00 | 8.49 | 6.78 | 0.79 | ||
11.98 | 2,166 Cr | -2.29 | 0.78 | 0.00 | -34.06 | 2.26 | -4.16 | ||
38.75 | 2,105 Cr | -412.69 | 1.18 | 0.00 | -0.29 | 6.12 | -0.60 | ||
133.60 | 1,476 Cr | 7.70 | 0.71 | 1.08 | 9.23 | 6.91 | 0.89 | ||
259.30 | 1,186 Cr | 7.87 | 0.80 | 1.91 | 10.12 | 6.22 | 1.23 | ||
121.55 | 1,051 Cr | 50.08 | 1.30 | 0.00 | 2.61 | 2.83 | 1.10 | ||
| Median: 7 Co. | — | 121.55 | 2,105 Cr | 7.87 | 0.96 | 0.00 | 8.33 | 6.22 | 0.79 |
