Capital Small Finance Bank Limited — Important, 03-04-2025: Updates

Gross advances for the year ended March 31, 2025, reached ₹7,184 crores, marking a year-on-year growth of 16.7% and a quarter-on-quarter increase of 5.4%. The loan disbursements strengthened significantly, up 37.6% year-on-year to ₹2,846 crores. The asset quality remained strong, with Gross NPAs reduced to 2.58% from 2.76% in the previous year, reflecting effective risk management with almost zero write-offs.

Total deposits climbed to ₹8,323 crores, up 11.3% year-on-year, with a CASA of approximately 37%, showing resilience despite industry trends favoring term deposits. The average credit-deposit (CD) ratio improved to 82.6%, while the average Liquidity Coverage Ratio (LCR) stood at a healthy 247.6%. The bank demonstrated a robust retail liability franchise and a measured approach to deposit growth, which bodes well for future stability and growth potential. Investors should maintain a positive outlook, considering the sound asset quality and growth metrics.