Elevated SMA 1&2 pool
SMA 1&2 pool stood at 6.46% as of Dec 2025, higher than typical levels, attributed to seasonal agri cash flow lags. Management expects normalization to sub-5% by Mar 2026.
medium · analyst_questionCapital 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.
bullish
high
Financial stats pending filing verification
Risk Intelligence
Material risks this quarter
Concise cards keep the risk register scannable while preserving evidence-level context in the underlying quarter data.
Risks
Competitive pressure on deposit pricing
Intense competition for deposits may limit the pace of cost of deposit reduction, impacting NIM recovery.
medium · management_commentaryAgriculture book NPA uptick
Gross NPA on agriculture book rose to 4.7% due to slower growth and seasonal factors; management remains confident on recoverability.
low · analyst_question