Capital Small Finance Management Guidance Tracker
8 forward-looking guidance items tracked across 2 quarters.
Growth
Q3 FY26Advance growth of 20%+ for FY26Active
Management reiterated 20%+ organic secured loan book growth for FY26, with a medium-term target of ₹16,000 Cr advances by FY29.
Q4 FY26Loan growth of 22%+ for FY27ActiveManagement expects organic secured loan book growth of 22%+ in FY27, with a target of ₹16,000 cr advances by FY29.
Margins
Q3 FY26NIM expansion of ~10 bps in Q1 FY27Active
Expect NIM to improve by ~10 bps in Q1 FY27 from deposit repricing benefits, with further improvement in Q2.
Q3 FY26ROA target of 1.6% by FY29TrackedAim to improve ROA from current 1.3% to 1.6% by FY29, driven by NIM expansion and cost optimization.
Q4 FY26ROA target of 1.35-1.4% for FY27TrackedReturn on assets expected to improve to 1.35-1.4% in FY27, driven by NIM expansion and cost optimization.
Q4 FY26Credit cost guidance of 0.15-0.25% for FY27TrackedManagement expects credit cost to remain in the 0.15-0.25% range for FY27, with a downward bias.