Capital Small Finance Bank Limited — Investor Meet, 05-05-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Capital Small Finance Bank reported strong Q4 FY26 results: Deposits crossed ₹10,000 Cr (+20% YoY), advances ₹8,687 Cr (+21% YoY). Asset quality improved with GNPA at 2.54% and NNPA at 1.24%. PAT reached ₹40 Cr (+17% YoY), and NIMs saw an early uptick to 4.06%. Management highlighted secured lending (98% book), robust growth in MSME/LAP, and expanding presence outside Punjab. Outlook targets 22%+ loan growth for FY27, 235 branches, and ROA of 1.35-1.4%. Costs are managed, with 53% of deposits due for repricing to aid future NIMs. Agri NPAs are stable, with strong underwriting. The bank is confident in its strategic expansion and operational efficiency for sustained value creation.