Gross Advances
₹8,687 cr
+20.9% YoY
Driven by MSME (+46% YoY) and LAP (+19% YoY) segments.
CAPITALSMALLFINANCEBANK
Financial Services
2026-04-??
Capital Small Finance Bank Ltd — Q4 FY26
Capital Small Finance Bank delivered a steady Q4 FY26 with PAT of 40 cr (+17% YoY) and NIM improving to 4.06% (+5bps QoQ).
Financial stats pending filing verification
2-Minute Summary
✦ AI-Generated from Full Transcript
Capital Small Finance Bank delivered a steady Q4 FY26 with PAT of 40 cr (+17% YoY) and NIM improving to 4.06% (+5bps QoQ). Advances grew 20.9% YoY to ₹8,687 cr, driven by MSME (+46% YoY) and LAP segments, while deposits crossed ₹10,000 cr (+20% YoY). Asset quality remained stable with GNPA at 2.54% and NNPA at 1.24%. Management guided for 22%+ loan growth in FY27, NIM expansion from deposit repricing (53% of term deposits due for repricing in H1), and ROA of 1.35-1.4% for FY27. Key risk: agriculture NPA stickiness (2.76%) could persist if monsoon disappoints, though management cites strong collateral and diversified cropping.
Key Numbers
Total Deposits
₹10,008 cr
+20% YoY
CASA stable at 34.5%; retail deposits >90% of total.
Cost of Deposits
5.75%
-11bps QoQ
Declining trend started; 53% of term deposits due for repricing in H1 FY27.
Credit Cost
0.26%
flat YoY
Guided to remain in 0.15-0.25% range for FY27.
Management Guidance
Loan growth of 22%+ for FY27
Management expects organic secured loan book growth of 22%+ in FY27, with a target of ₹16,000 cr advances by FY29.
Management guidance growthROA target of 1.35-1.4% for FY27
Return on assets expected to improve to 1.35-1.4% in FY27, driven by NIM expansion and cost optimization.
Management guidance marginsBranch expansion to 235 by FY27 end
Bank plans to add 24 branches in FY27, reaching 235 branches, with a target of 300+ by FY29.
Management guidance expansionCredit cost guidance of 0.15-0.25% for FY27
Management expects credit cost to remain in the 0.15-0.25% range for FY27, with a downward bias.
Management guidance marginsKey Risks
Agriculture NPA stickiness
Agriculture GNPA remained at 2.76% QoQ, and management expects it to remain rangebound with lower bias, not a sharp decline.
medium · analyst_questionGeopolitical and monsoon risks
Analyst raised concerns about geopolitical tensions and potential weak monsoon impacting agriculture portfolio; management downplayed citing collateral and irrigation.
medium · analyst_questionECL transition impact
New ECL guidelines are still being evaluated; management expects P&L neutral to positive impact but uncertainty remains.
low · analyst_questionNotable Quotes
We are targeting ROA of 1.35 to 1.4 in FY27 and we are targeting ROA of 1.6% plus in FY29.
We intend to organically grow our secured loan book at the rate of 22% plus for FY27 and further accelerating the growth to achieve an advanced book of over 16,000 cr by FY29.
We are not in a co-lending but we are in a business correspondent lending model... the credit risk is going to be with the originator.
Frequently Asked Questions
What was Capital Small Finance's revenue in Q4 FY26?
Capital Small Finance reported revenue of — in Q4 FY26, representing a — change compared to the same quarter last year.
What guidance did Capital Small Finance management give for FY27?
Loan growth of 22%+ for FY27: Management expects organic secured loan book growth of 22%+ in FY27, with a target of ₹16,000 cr advances by FY29. ROA target of 1.35-1.4% for FY27: Return on assets expected to improve to 1.35-1.4% in FY27, driven by NIM expansion and cost optimization. Branch expansion to 235 by FY27 end: Bank plans to add 24 branches in FY27, reaching 235 branches, with a target of 300+ by FY29. Credit cost guidance of 0.15-0.25% for FY27: Management expects credit cost to remain in the 0.15-0.25% range for FY27, with a downward bias.
What are the key risks for Capital Small Finance in FY27?
Key risks include Agriculture NPA stickiness — Agriculture GNPA remained at 2.76% QoQ, and management expects it to remain rangebound with lower bias, not a sharp decline.; Geopolitical and monsoon risks — Analyst raised concerns about geopolitical tensions and potential weak monsoon impacting agriculture portfolio; management downplayed citing collateral and irrigation.; ECL transition impact — New ECL guidelines are still being evaluated; management expects P&L neutral to positive impact but uncertainty remains..
Did Capital Small Finance meet its previous quarter's guidance?
Scorecard data is being built as historical quarters are processed.
Where can I read the full Capital Small Finance Q4 FY26 concall transcript?
The full earnings conference call transcript or source release is available on the linked source material. This page provides an AI-generated summary with filing verification status shown on the financial stats.