Capital Small Finance Bank Limited — Investor Meet, 31-07-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Capital Small Finance Bank's Q1 FY26 financial results show total deposits at INR 9,110 Cr (+17.1% YoY) and gross advances at INR 7,437 Cr (+16.4% YoY). Net Interest Margin (NIM) remained healthy at 4.1%. Profit reached INR 32 Cr (+7% YoY). Asset quality is stable, with Gross NPAs at 2.7% and Net NPAs at 1.4%. Management targets 20% loan growth for FY26, emphasizing secured lending in MSME, mortgage (LAP driving growth), and agriculture. They expect Q1's elevated credit cost (0.37% due to MFI/NBFC slippage) to be temporary. The bank plans 20-25 new branches, expanding into a new state, and is actively diversifying its book beyond Punjab, notably in Haryana. Sentiment is positive on economic recovery.