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Elevated SMA 1&2 pool
View Risks →Capital Small Finance Bank Limited — Q3 FY26
Capital Small Finance Bank delivered a steady Q3 FY26 with 19.8% YoY advance growth and 18.5% YoY deposit growth, driven by secured lending in MSME and mortgage segments.
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high
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Capital Small Finance Bank delivered a steady Q3 FY26 with 19.8% YoY advance growth and 18.5% YoY deposit growth, driven by secured lending in MSME and mortgage segments. NIM held at 4% as yield on advances stabilized at 11%, while cost of deposits began to decline to 5.86%. PAT (ex-exceptional) rose 12% YoY to ₹38 crore, supported by stable credit costs at 0.2% and improving cost-to-income ratio of 60.9%. Management guided for 20%+ advance growth in FY26, with NIM expansion of ~10 bps in Q1 FY27 from deposit repricing, and a medium-term ROA target of 1.6% by FY29. Key risk: SMA 1&2 pool elevated at 6.46% due to seasonal agri cash flow lags, though management expects normalization by March 2026.
कैपिटल स्मॉल फाइनेंस बैंक ने तीसरी तिमाही में अच्छा प्रदर्शन किया। कर्ज में 19.8% और जमा में 18.5% की बढ़ोतरी हुई, जो छोटे व्यापारियों और घर खरीदने वालों को दिए गए सुरक्षित कर्ज से आई। ब्याज दरों पर कमाई 4% पर स्थिर रही, जबकि जमा पर ब्याज घटकर 5.86% हो गया। मुनाफा 12% बढ़कर 38 करोड़ रुपये हुआ। बैंक का कहना है कि अगले साल कर्ज 20% से ज्यादा बढ़ेगा और मुनाफा भी बेहतर होगा। फिलहाल कुछ कर्जों के डिफॉल्ट का खतरा 6.46% है, लेकिन मार्च 2026 तक यह सामान्य हो जाएगा।
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Read Transcript →Quarter Snapshot
Gross Advances
₹8,164 Cr
+19.8% YoY
Driven by MSME (+42% YoY) and LAP (+18% YoY) growth; 99% secured portfolio.
CASA Ratio
35.9%
+200bps QoQ
Improved from 33.9% in Q2 FY26; retail deposits >90% of total deposits.
Cost of Deposits
5.86%
-6bps QoQ
Initial benefit of term deposit repricing; 64% of term deposits due for repricing over next 3 quarters.
Gross NPA
2.68%
-2bps QoQ
Sequential improvement; slippage ratio improved to 1.21% from 1.73% in Q2.
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Guidance and risk preview
Management reiterated 20%+ organic secured loan book growth for FY26, with a medium-term target of ₹16,000 Cr advances by FY29.
SMA 1&2 pool stood at 6.46% as of Dec 2025, higher than typical levels, attributed to seasonal agri cash flow lags.
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