Capital Small Finance Bank Limited — Investor Meet, 03-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Capital Small Finance Bank delivered 18% PAT growth for FY25 with a 17% rise in loan book to INR7,184 Cr, driven by secured lending. Disbursements jumped 38% to INR2,846 Cr, while asset quality improved (gross NPA 2.58%, net NPA 1.3%). CASA held at 36.9%, and NIM expanded to 4.2%. Operating costs remained controlled, with cost-to-income at 62.3%. Guidance includes 20%+ loan growth in FY26 focused on MSME, mortgage, and agriculture, plus 20-25% branch expansion, entering a new state. Management expects asset quality to improve further, targeting net NPA below 1%, stable or better margins, and strong capital adequacy at 25.4%.