Capital Small Finance Bank Ltd.

•

₹ 284.7-0.96%

2026-08-21

capital.bank.inBSE: 544120NSE: CAPITALSFB

Market Cap₹ 1,318 Cr.

Current Price₹ 287

High / Low₹ 324 / 207

Stock P/E0.0

Book Value₹ 327

Price to Book0.69

Dividend Yield1.72 %

ROCE12.8 %

ROE10.2 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Retail Banking: 65.8% • Treasury: 19.3% • Corporate / Wholesale banking: 11.1% • Other Banking Operations: 3.8%

PROS

Company has delivered good profit growth of 28.2% CAGR over last 5 years
Comfortable capital adequacy - CAR of 22.3%
Solid return on assets for a lender - ROA of 1.3%
Healthy loan book growth of 20.9% with stable asset quality
Latest quarter profit grew 29.0% YoY, showing strong momentum
Company has delivered good sales growth of 15.4% CAGR over last 5 years

CONS

A large part of profit comes from other income (52.0% of PBT)
Equity base is being diluted - shares outstanding up 32.6%
Growth is decelerating - 3Y profit CAGR (14.7%) trails the 5Y trend (28.2%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

EDIT COLUMNS

Financial ServicesBankBank - Private

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name	CMP Rs.	P/E	Mar Cap Rs.Cr.	Div Yld %	NP Qtr Rs.Cr.	Qtr Profit Var %	Sales Qtr Rs.Cr.	Qtr Sales Var %	ROCE %	OPM %
1.	HDFCBANK	720.15	14.05	1109831.87	2.15	203826.90	1092.64	905753.30	936.66	12.81	35.64
2.	ICICIBANK	1401.80	17.94	1006008.51	0.86	16209.74	12.62	52240.85	6.44	16.51	32.39
3.	KOTAKBANK	392.05	19.21	389986.67	0.17	5487.06	23.89	18354.57	6.41	12.05	19.05
4.	AXISBANK	1232.35	13.81	383618.90	0.08	7656.51	22.31	35541.96	9.87	11.04	63.88
5.	FEDERALBNK	359.45	18.97	88849.29	0.33	1297.61	37.06	7861.58	9.94	10.98	66.11
6.	IDBI	80.72	9.31	86793.39	0.00	2130.57	5.27	7549.28	7.44	14.76	76.80
7.	AUBANK	1071.30	44.12	80340.09	0.09	795.95	37.03	5302.74	21.11	14.17	56.24
8.	INDUSINDBK	1011.95	59.63	78845.13	0.15	1037.02	71.68	11309.94	-7.78	4.97	55.07
9.	IDFCFIRSTB	85.20	31.87	73452.79	0.29	1147.82	153.12	11051.09	14.61	5.42	38.45
10.	YESBANK	22.71	18.88	71281.66	0.00	1071.81	32.53	8054.49	5.92	8.04	58.47
11.	RBLBANK	381.00	65.69	59059.12	0.26	2342.30	993.41	38402.40	1015.97	6.49	40.95
12.	CAPITALSFB	290.00	0.00	1318.49	1.72	41.30	29.02	288.18	16.63	12.80	63.69

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	189	197	204	204	218	224	235	231	247	256	272	273	288
Interest Expended	102	113	117	117	119	123	128	128	137	145	153	152	155
Net Interest Income	87	84	87	87	99	101	107	103	110	112	119	121	134
	13	16	18	21	17	26	18	26	23	23	26	26	26
Total Income	0	0	0	0	0	0	0	0	0	0	0	0	314
Operating Expenses	59	66	66	68	73	78	77	82	81	84	94	87	95
Operating Profit	41	34	40	39	43	48	48	47	51	51	52	60	64
Provisions & Contingencies	2	2	2	2	2	4	2	2	9	4	6	6	9
Profit before Tax	40	32	38	38	40	44	46	45	43	46	46	54	55
Tax %	24.54%	24.66%	24.76%	25.03%	25.27%	24.79%	25.39%	23.89%	24.70%	24.76%	25.02%	25.82%	24.91%
Net Profit	30	24	29	28	30	33	34	34	32	35	34	40	41
EPS	9	7	8	7	7	7	8	8	7	8	8	9	1
Gross NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.47%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.14%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
NIM %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	4.21%
CASA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	36.70%
Capital Adequacy %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	21.58%
Return on Assets %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.30%
Branches / ATMs / Employees	—	—	—	—	—	—	—	—	—	—	—	—	—
Gross NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.47%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.14%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
NIM %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	4.21%
CASA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	36.70%
Capital Adequacy %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	21.58%
Return on Assets %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.30%
Branches / ATMs / Employees	—	—	—	—	—	—	—	—	—	—	—	—	—

Jun 2023

: 189
Interest Expended: 102
Net Interest Income: 87
: 13
Total Income: 0
Operating Expenses: 59
Operating Profit: 41
Provisions & Contingencies: 2
Profit before Tax: 40
Tax %: 24.54%
Net Profit: 30
EPS: 9
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Sep 2023

: 197
Interest Expended: 113
Net Interest Income: 84
: 16
Total Income: 0
Operating Expenses: 66
Operating Profit: 34
Provisions & Contingencies: 2
Profit before Tax: 32
Tax %: 24.66%
Net Profit: 24
EPS: 7
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Dec 2023

: 204
Interest Expended: 117
Net Interest Income: 87
: 18
Total Income: 0
Operating Expenses: 66
Operating Profit: 40
Provisions & Contingencies: 2
Profit before Tax: 38
Tax %: 24.76%
Net Profit: 29
EPS: 8
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Mar 2024

: 204
Interest Expended: 117
Net Interest Income: 87
: 21
Total Income: 0
Operating Expenses: 68
Operating Profit: 39
Provisions & Contingencies: 2
Profit before Tax: 38
Tax %: 25.03%
Net Profit: 28
EPS: 7
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Jun 2024

: 218
Interest Expended: 119
Net Interest Income: 99
: 17
Total Income: 0
Operating Expenses: 73
Operating Profit: 43
Provisions & Contingencies: 2
Profit before Tax: 40
Tax %: 25.27%
Net Profit: 30
EPS: 7
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Sep 2024

: 224
Interest Expended: 123
Net Interest Income: 101
: 26
Total Income: 0
Operating Expenses: 78
Operating Profit: 48
Provisions & Contingencies: 4
Profit before Tax: 44
Tax %: 24.79%
Net Profit: 33
EPS: 7
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Dec 2024

: 235
Interest Expended: 128
Net Interest Income: 107
: 18
Total Income: 0
Operating Expenses: 77
Operating Profit: 48
Provisions & Contingencies: 2
Profit before Tax: 46
Tax %: 25.39%
Net Profit: 34
EPS: 8
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Mar 2025

: 231
Interest Expended: 128
Net Interest Income: 103
: 26
Total Income: 0
Operating Expenses: 82
Operating Profit: 47
Provisions & Contingencies: 2
Profit before Tax: 45
Tax %: 23.89%
Net Profit: 34
EPS: 8
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Jun 2025

: 247
Interest Expended: 137
Net Interest Income: 110
: 23
Total Income: 0
Operating Expenses: 81
Operating Profit: 51
Provisions & Contingencies: 9
Profit before Tax: 43
Tax %: 24.70%
Net Profit: 32
EPS: 7
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Sep 2025

: 256
Interest Expended: 145
Net Interest Income: 112
: 23
Total Income: 0
Operating Expenses: 84
Operating Profit: 51
Provisions & Contingencies: 4
Profit before Tax: 46
Tax %: 24.76%
Net Profit: 35
EPS: 8
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Dec 2025

: 272
Interest Expended: 153
Net Interest Income: 119
: 26
Total Income: 0
Operating Expenses: 94
Operating Profit: 52
Provisions & Contingencies: 6
Profit before Tax: 46
Tax %: 25.02%
Net Profit: 34
EPS: 8
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Mar 2026

: 273
Interest Expended: 152
Net Interest Income: 121
: 26
Total Income: 0
Operating Expenses: 87
Operating Profit: 60
Provisions & Contingencies: 6
Profit before Tax: 54
Tax %: 25.82%
Net Profit: 40
EPS: 9
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Jun 2026

: 288
Interest Expended: 155
Net Interest Income: 134
: 26
Total Income: 314
Operating Expenses: 95
Operating Profit: 64
Provisions & Contingencies: 9
Profit before Tax: 55
Tax %: 24.91%
Net Profit: 41
EPS: 1
Gross NPA %: 2.47%
Net NPA %: 1.14%
Provision Coverage %: 0.00%
NIM %: 4.21%
CASA %: 36.70%
Capital Adequacy %: 21.58%
Return on Assets %: 1.30%
Branches / ATMs / Employees: —
Gross NPA %: 2.47%
Net NPA %: 1.14%
Provision Coverage %: 0.00%
NIM %: 4.21%
CASA %: 36.70%
Capital Adequacy %: 21.58%
Return on Assets %: 1.30%
Branches / ATMs / Employees: —

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	0	0	0	0	0	0	0	794	908	1,049	—
Interest Expended	150	166	211	286	313	323	354	449	498	587	605
Net Interest Income	-150	-166	-211	-286	-313	-323	-354	345	410	461	—
	20	23	31	43	46	54	49	68	86	98	102
Total Income	0	0	0	0	0	0	0	862	995	1,147	314
	0	0	0	0	0	0	0	258	311	346	—
Operating Profit	-150	-166	-211	-286	-313	-323	-354	155	185	214	—
	1	2	4	8	19	17	25	7	10	25	—
Profit before Tax	22	30	27	35	54	84	124	148	175	189	201
Tax %	0	0	0	0	0	0	0	25	25	25	25
Net Profit	15	19	19	25	41	63	94	112	132	141	151
EPS	0	0	0	0	12	18	27	25	29	31	—
NIM %	—	—	—	—	—	—	—	—	—	—	—
Cost-to-Income %	—	—	—	—	—	—	—	—	—	—	—
Credit Cost %	—	—	—	—	—	—	—	—	—	—	—
NIM %	—	—	—	—	—	—	—	—	—	—	—
Cost-to-Income %	—	—	—	—	—	—	—	—	—	—	—
Credit Cost %	—	—	—	—	—	—	—	—	—	—	—

Mar 2017

: 0
Interest Expended: 150
Net Interest Income: -150
: 20
Total Income: 0
: 0
Operating Profit: -150
: 1
Profit before Tax: 22
Tax %: 0
Net Profit: 15
EPS: 0
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2018

: 0
Interest Expended: 166
Net Interest Income: -166
: 23
Total Income: 0
: 0
Operating Profit: -166
: 2
Profit before Tax: 30
Tax %: 0
Net Profit: 19
EPS: 0
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2019

: 0
Interest Expended: 211
Net Interest Income: -211
: 31
Total Income: 0
: 0
Operating Profit: -211
: 4
Profit before Tax: 27
Tax %: 0
Net Profit: 19
EPS: 0
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2020

: 0
Interest Expended: 286
Net Interest Income: -286
: 43
Total Income: 0
: 0
Operating Profit: -286
: 8
Profit before Tax: 35
Tax %: 0
Net Profit: 25
EPS: 0
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2021

: 0
Interest Expended: 313
Net Interest Income: -313
: 46
Total Income: 0
: 0
Operating Profit: -313
: 19
Profit before Tax: 54
Tax %: 0
Net Profit: 41
EPS: 12
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2022

: 0
Interest Expended: 323
Net Interest Income: -323
: 54
Total Income: 0
: 0
Operating Profit: -323
: 17
Profit before Tax: 84
Tax %: 0
Net Profit: 63
EPS: 18
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2023

: 0
Interest Expended: 354
Net Interest Income: -354
: 49
Total Income: 0
: 0
Operating Profit: -354
: 25
Profit before Tax: 124
Tax %: 0
Net Profit: 94
EPS: 27
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2024

: 794
Interest Expended: 449
Net Interest Income: 345
: 68
Total Income: 862
: 258
Operating Profit: 155
: 7
Profit before Tax: 148
Tax %: 25
Net Profit: 112
EPS: 25
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2025

: 908
Interest Expended: 498
Net Interest Income: 410
: 86
Total Income: 995
: 311
Operating Profit: 185
: 10
Profit before Tax: 175
Tax %: 25
Net Profit: 132
EPS: 29
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2026

: 1,049
Interest Expended: 587
Net Interest Income: 461
: 98
Total Income: 1,147
: 346
Operating Profit: 214
: 25
Profit before Tax: 189
Tax %: 25
Net Profit: 141
EPS: 31
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

TTM

: —
Interest Expended: 605
Net Interest Income: —
: 102
Total Income: 314
: —
Operating Profit: —
: —
Profit before Tax: 201
Tax %: 25
Net Profit: 151
EPS: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

COMPOUNDED SALES GROWTH

10 Years:: 19%
5 Years:: 15%
3 Years:: 16%

COMPOUNDED PROFIT GROWTH

10 Years:: 26%
5 Years:: 28%
3 Years:: 15%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: —
1 Year:: -3%

RETURN ON EQUITY

10 Years:: 11%
5 Years:: 13%
3 Years:: 11%
Last Year:: 10%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
LIABILITIES	-	-	-	-	-	-	-	-	-	-
Equity Capital	27	28	28	34	34	34	34	45	45	45
	163	205	222	373	417	482	576	1,145	1,287	1,407
	2,378	2,851	3,667	4,447	5,221	6,046	6,561	7,478	8,323	10,018
	116	222	358	421	617	498	721	472	321	499
Other Liabilities & Provisions	36	46	45	56	83	93	98	148	124	166
Total Liabilities	2,721	3,352	4,321	5,330	6,371	7,154	7,991	1	1	1
ASSETS	-	-	-	-	-	-	-	-	-	-
	152	154	215	221	722	364	463	569	650	413
Balances with Banks & Money at Call	335	375	497	595	569	655	418	752	350	908
	783	871	862	1,052	1,212	1,357	1,489	1,706	1,819	1,973
	1,365	1,847	2,599	3,308	3,727	4,635	5,429	6,075	7,090	8,572
	50	65	84	91	87	84	83	84	88	97
	35	40	65	63	55	59	110	110	110	181
Total Assets	2,721	3,352	4,321	5,330	6,371	7,154	7,991	1	1	1
CASA Deposits	862	1,029	1,264	1,481	1,885	2,317	2,507	2,607	2,783	3,182
CASA Ratio (%)	36.25	36.11	34.47	33.31	36.11	38.31	38.21	34.87	33.44	31.76
Credit-Deposit Ratio (%)	57.41	64.81	70.87	74.40	71.38	76.65	82.75	81.24	85.19	85.57
Contingent Liabilities	22	27	42	37	38	46	56	63	79	106
Bills for Collection	0	0	0	0	0	0	0	0	0	0
Book Value per Share	70.48	82.01	87.89	120.32	132.94	151.50	178.27	264.23	294.39	319.85
CASA Deposits	862	1,029	1,264	1,481	1,885	2,317	2,507	2,607	2,783	3,182
CASA Ratio (%)	36.25	36.11	34.47	33.31	36.11	38.31	38.21	34.87	33.44	31.76
Credit-Deposit Ratio (%)	57.41	64.81	70.87	74.40	71.38	76.65	82.75	81.24	85.19	85.57
Contingent Liabilities	22	27	42	37	38	46	56	63	79	106
Bills for Collection	0	0	0	0	0	0	0	0	0	0
Book Value per Share	70.48	82.01	87.89	120.32	132.94	151.50	178.27	264.23	294.39	319.85

Mar 2017

Equity Capital: 27
: 163
: 2,378
: 116
Other Liabilities & Provisions: 36
Total Liabilities: 2,721
: 152
Balances with Banks & Money at Call: 335
: 783
: 1,365
: 50
: 35
Total Assets: 2,721
CASA Deposits: 862
CASA Ratio (%): 36.25
Credit-Deposit Ratio (%): 57.41
Contingent Liabilities: 22
Bills for Collection: 0
Book Value per Share: 70.48
CASA Deposits: 862
CASA Ratio (%): 36.25
Credit-Deposit Ratio (%): 57.41
Contingent Liabilities: 22
Bills for Collection: 0
Book Value per Share: 70.48

Mar 2018

Equity Capital: 28
: 205
: 2,851
: 222
Other Liabilities & Provisions: 46
Total Liabilities: 3,352
: 154
Balances with Banks & Money at Call: 375
: 871
: 1,847
: 65
: 40
Total Assets: 3,352
CASA Deposits: 1,029
CASA Ratio (%): 36.11
Credit-Deposit Ratio (%): 64.81
Contingent Liabilities: 27
Bills for Collection: 0
Book Value per Share: 82.01
CASA Deposits: 1,029
CASA Ratio (%): 36.11
Credit-Deposit Ratio (%): 64.81
Contingent Liabilities: 27
Bills for Collection: 0
Book Value per Share: 82.01

Mar 2019

Equity Capital: 28
: 222
: 3,667
: 358
Other Liabilities & Provisions: 45
Total Liabilities: 4,321
: 215
Balances with Banks & Money at Call: 497
: 862
: 2,599
: 84
: 65
Total Assets: 4,321
CASA Deposits: 1,264
CASA Ratio (%): 34.47
Credit-Deposit Ratio (%): 70.87
Contingent Liabilities: 42
Bills for Collection: 0
Book Value per Share: 87.89
CASA Deposits: 1,264
CASA Ratio (%): 34.47
Credit-Deposit Ratio (%): 70.87
Contingent Liabilities: 42
Bills for Collection: 0
Book Value per Share: 87.89

Mar 2020

Equity Capital: 34
: 373
: 4,447
: 421
Other Liabilities & Provisions: 56
Total Liabilities: 5,330
: 221
Balances with Banks & Money at Call: 595
: 1,052
: 3,308
: 91
: 63
Total Assets: 5,330
CASA Deposits: 1,481
CASA Ratio (%): 33.31
Credit-Deposit Ratio (%): 74.40
Contingent Liabilities: 37
Bills for Collection: 0
Book Value per Share: 120.32
CASA Deposits: 1,481
CASA Ratio (%): 33.31
Credit-Deposit Ratio (%): 74.40
Contingent Liabilities: 37
Bills for Collection: 0
Book Value per Share: 120.32

Mar 2021

Equity Capital: 34
: 417
: 5,221
: 617
Other Liabilities & Provisions: 83
Total Liabilities: 6,371
: 722
Balances with Banks & Money at Call: 569
: 1,212
: 3,727
: 87
: 55
Total Assets: 6,371
CASA Deposits: 1,885
CASA Ratio (%): 36.11
Credit-Deposit Ratio (%): 71.38
Contingent Liabilities: 38
Bills for Collection: 0
Book Value per Share: 132.94
CASA Deposits: 1,885
CASA Ratio (%): 36.11
Credit-Deposit Ratio (%): 71.38
Contingent Liabilities: 38
Bills for Collection: 0
Book Value per Share: 132.94

Mar 2022

Equity Capital: 34
: 482
: 6,046
: 498
Other Liabilities & Provisions: 93
Total Liabilities: 7,154
: 364
Balances with Banks & Money at Call: 655
: 1,357
: 4,635
: 84
: 59
Total Assets: 7,154
CASA Deposits: 2,317
CASA Ratio (%): 38.31
Credit-Deposit Ratio (%): 76.65
Contingent Liabilities: 46
Bills for Collection: 0
Book Value per Share: 151.50
CASA Deposits: 2,317
CASA Ratio (%): 38.31
Credit-Deposit Ratio (%): 76.65
Contingent Liabilities: 46
Bills for Collection: 0
Book Value per Share: 151.50

Mar 2023

Equity Capital: 34
: 576
: 6,561
: 721
Other Liabilities & Provisions: 98
Total Liabilities: 7,991
: 463
Balances with Banks & Money at Call: 418
: 1,489
: 5,429
: 83
: 110
Total Assets: 7,991
CASA Deposits: 2,507
CASA Ratio (%): 38.21
Credit-Deposit Ratio (%): 82.75
Contingent Liabilities: 56
Bills for Collection: 0
Book Value per Share: 178.27
CASA Deposits: 2,507
CASA Ratio (%): 38.21
Credit-Deposit Ratio (%): 82.75
Contingent Liabilities: 56
Bills for Collection: 0
Book Value per Share: 178.27

Mar 2024

Equity Capital: 45
: 1,145
: 7,478
: 472
Other Liabilities & Provisions: 148
Total Liabilities: 1
: 569
Balances with Banks & Money at Call: 752
: 1,706
: 6,075
: 84
: 110
Total Assets: 1
CASA Deposits: 2,607
CASA Ratio (%): 34.87
Credit-Deposit Ratio (%): 81.24
Contingent Liabilities: 63
Bills for Collection: 0
Book Value per Share: 264.23
CASA Deposits: 2,607
CASA Ratio (%): 34.87
Credit-Deposit Ratio (%): 81.24
Contingent Liabilities: 63
Bills for Collection: 0
Book Value per Share: 264.23

Mar 2025

Equity Capital: 45
: 1,287
: 8,323
: 321
Other Liabilities & Provisions: 124
Total Liabilities: 1
: 650
Balances with Banks & Money at Call: 350
: 1,819
: 7,090
: 88
: 110
Total Assets: 1
CASA Deposits: 2,783
CASA Ratio (%): 33.44
Credit-Deposit Ratio (%): 85.19
Contingent Liabilities: 79
Bills for Collection: 0
Book Value per Share: 294.39
CASA Deposits: 2,783
CASA Ratio (%): 33.44
Credit-Deposit Ratio (%): 85.19
Contingent Liabilities: 79
Bills for Collection: 0
Book Value per Share: 294.39

Mar 2026

Equity Capital: 45
: 1,407
: 10,018
: 499
Other Liabilities & Provisions: 166
Total Liabilities: 1
: 413
Balances with Banks & Money at Call: 908
: 1,973
: 8,572
: 97
: 181
Total Assets: 1
CASA Deposits: 3,182
CASA Ratio (%): 31.76
Credit-Deposit Ratio (%): 85.57
Contingent Liabilities: 106
Bills for Collection: 0
Book Value per Share: 319.85
CASA Deposits: 3,182
CASA Ratio (%): 31.76
Credit-Deposit Ratio (%): 85.57
Contingent Liabilities: 106
Bills for Collection: 0
Book Value per Share: 319.85

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	39	-40	8	-80	174	-211	75	116	279	-385
Cash from Investing	-20	-23	-31	-22	-12	-13	-202	-165	-56	-37
Cash from Financing	75	72	134	192	197	-120	222	223	-155	163
	94	9	111	90	359	-344	94	173	68	-258

Mar 2017

: 39
Cash from Investing: -20
Cash from Financing: 75
: 94

Mar 2018

: -40
Cash from Investing: -23
Cash from Financing: 72
: 9

Mar 2019

: 8
Cash from Investing: -31
Cash from Financing: 134
: 111

Mar 2020

: -80
Cash from Investing: -22
Cash from Financing: 192
: 90

Mar 2021

: 174
Cash from Investing: -12
Cash from Financing: 197
: 359

Mar 2022

: -211
Cash from Investing: -13
Cash from Financing: -120
: -344

Mar 2023

: 75
Cash from Investing: -202
Cash from Financing: 222
: 94

Mar 2024

: 116
Cash from Investing: -165
Cash from Financing: 223
: 173

Mar 2025

: 279
Cash from Investing: -56
Cash from Financing: -155
: 68

Mar 2026

: -385
Cash from Investing: -37
Cash from Financing: 163
: -258

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
PER SHARE	-	-	-	-	-	-	-	-	-	-
EPS (₹)	5.57	6.68	6.82	7.51	12.03	18.38	27.33	24.76	29.10	31.13
Book Value (₹)	70.48	82.01	87.89	120.32	132.94	151.50	178.27	264.23	294.39	319.85
Dividend per Share (₹)	0.80	0.80	0.20	0.00	0.80	1.00	1.20	1.20	4.00	5.00
PROFITABILITY	-	-	-	-	-	-	-	-	-	-
Net Interest Margin %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	3.79%	4.14%	3.89%
ROA %	0.63%	0.63%	0.51%	0.53%	0.70%	0.93%	1.24%	1.29%	1.36%	1.27%
ROE %	9.86%	8.98%	8.02%	7.73%	9.51%	12.95%	16.62%	12.39%	10.44%	10.15%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	62.51%	62.63%	61.85%
ASSET QUALITY	-	-	-	-	-	-	-	-	-	-
Gross NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.74%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.39%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Slippage Ratio %	—	—	—	—	—	—	—	—	—	—
BALANCE SHEET & LIQUIDITY	-	-	-	-	-	-	-	-	-	-
CASA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	38.30%	36.94%	34.74%
Credit-Deposit Ratio %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.06%	0.04%	0.05%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
GROWTH & VALUATION	-	-	-	-	-	-	-	-	-	-
Net Profit Growth %	9.47%	26.46%	2.07%	30.74%	60.68%	53.42%	49.59%	19.16%	18.04%	7.40%
Book Value Growth %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	48.22%	11.41%	8.65%
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	14.11x	8.89x	7.11x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	1.32x	0.88x	0.69x
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.34%	1.55%	2.26%

Mar 2017

EPS (₹): 5.57
Book Value (₹): 70.48
Dividend per Share (₹): 0.80
Net Interest Margin %: 0.00%
ROA %: 0.63%
ROE %: 9.86%
: 0.00%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 0.00%
Credit-Deposit Ratio %: 0.00%
: 0.00%
Net Profit Growth %: 9.47%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2018

EPS (₹): 6.68
Book Value (₹): 82.01
Dividend per Share (₹): 0.80
Net Interest Margin %: 0.00%
ROA %: 0.63%
ROE %: 8.98%
: 0.00%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 0.00%
Credit-Deposit Ratio %: 0.00%
: 0.00%
Net Profit Growth %: 26.46%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2019

EPS (₹): 6.82
Book Value (₹): 87.89
Dividend per Share (₹): 0.20
Net Interest Margin %: 0.00%
ROA %: 0.51%
ROE %: 8.02%
: 0.00%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 0.00%
Credit-Deposit Ratio %: 0.00%
: 0.00%
Net Profit Growth %: 2.07%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2020

EPS (₹): 7.51
Book Value (₹): 120.32
Dividend per Share (₹): 0.00
Net Interest Margin %: 0.00%
ROA %: 0.53%
ROE %: 7.73%
: 0.00%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 0.00%
Credit-Deposit Ratio %: 0.00%
: 0.00%
Net Profit Growth %: 30.74%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2021

EPS (₹): 12.03
Book Value (₹): 132.94
Dividend per Share (₹): 0.80
Net Interest Margin %: 0.00%
ROA %: 0.70%
ROE %: 9.51%
: 0.00%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 0.00%
Credit-Deposit Ratio %: 0.00%
: 0.00%
Net Profit Growth %: 60.68%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2022

EPS (₹): 18.38
Book Value (₹): 151.50
Dividend per Share (₹): 1.00
Net Interest Margin %: 0.00%
ROA %: 0.93%
ROE %: 12.95%
: 0.00%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 0.00%
Credit-Deposit Ratio %: 0.00%
: 0.00%
Net Profit Growth %: 53.42%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2023

EPS (₹): 27.33
Book Value (₹): 178.27
Dividend per Share (₹): 1.20
Net Interest Margin %: 0.00%
ROA %: 1.24%
ROE %: 16.62%
: 0.00%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 0.00%
Credit-Deposit Ratio %: 0.00%
: 0.00%
Net Profit Growth %: 49.59%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2024

EPS (₹): 24.76
Book Value (₹): 264.23
Dividend per Share (₹): 1.20
Net Interest Margin %: 3.79%
ROA %: 1.29%
ROE %: 12.39%
: 62.51%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 38.30%
Credit-Deposit Ratio %: 0.06%
: 0.00%
Net Profit Growth %: 19.16%
Book Value Growth %: 48.22%
P/E (x): 14.11x
P/B (x): 1.32x
: 0.34%

Mar 2025

EPS (₹): 29.10
Book Value (₹): 294.39
Dividend per Share (₹): 4.00
Net Interest Margin %: 4.14%
ROA %: 1.36%
ROE %: 10.44%
: 62.63%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 36.94%
Credit-Deposit Ratio %: 0.04%
: 0.00%
Net Profit Growth %: 18.04%
Book Value Growth %: 11.41%
P/E (x): 8.89x
P/B (x): 0.88x
: 1.55%

Mar 2026

EPS (₹): 31.13
Book Value (₹): 319.85
Dividend per Share (₹): 5.00
Net Interest Margin %: 3.89%
ROA %: 1.27%
ROE %: 10.15%
: 61.85%
Gross NPA %: 2.74%
Net NPA %: 1.39%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 34.74%
Credit-Deposit Ratio %: 0.05%
: 0.00%
Net Profit Growth %: 7.40%
Book Value Growth %: 8.65%
P/E (x): 7.11x
P/B (x): 0.69x
: 2.26%

Shareholding Pattern

Numbers in percentages

TRADES

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	18.84	18.77	18.77	18.77	18.75	17.96	18.01	18.29
	1.33	1.36	1.29	1.34	1.26	0.43	0.55	0.59
	31.71	31.29	31.83	31.48	27.95	28.11	28.04	27.48
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	48.12	48.57	48.11	48.41	52.04	53.51	53.39	53.65

Sep 2024

: 18.84
: 1.33
: 31.71
Government: 0.00
: 48.12

Dec 2024

: 18.77
: 1.36
: 31.29
Government: 0.00
: 48.57

Mar 2025

: 18.77
: 1.29
: 31.83
Government: 0.00
: 48.11

Jun 2025

: 18.77
: 1.34
: 31.48
Government: 0.00
: 48.41

Sep 2025

: 18.75
: 1.26
: 27.95
Government: 0.00
: 52.04

Dec 2025

: 17.96
: 0.43
: 28.11
Government: 0.00
: 53.51

Mar 2026

: 18.01
: 0.55
: 28.04
Government: 0.00
: 53.39

Jun 2026

: 18.29
: 0.59
: 27.48
Government: 0.00
: 53.65

Documents

Announcements

ESOP/ESOS/ESPS
2026-08-11 - Capital Small Finance Bank Limited has informed the Exchange regarding Grant of 25582 Options.
Analysts/Institutional Investor Meet/Con. Call Updates
2026-07-30 - Capital Small Finance Bank Limited has informed the Exchange about Transcript

Annual Reports

Credit Ratings

Nothing filed yet.

Concalls

Jul 2026
Transcript PPTREC
May 2026
TranscriptPPTREC
Apr 2026
TranscriptPPTREC