Capital Small Finance Bank · Analyst questions, management answers, and the quality of the response where the ledger is available.
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Questions audited
12
Answered directly
83%
Numeric claims
0
Consistency
—
Question ledger
Anish Diwari · Vicaria Investment Management
directwe are targeting highly capitalized low leveraged NBFCs. 72.1% of NBFC clients are A rated and above. NBFC MFI segment now only 48 KES, 0.58% of portfolio, net NPA only 7 Ks. Recovery has started, we recovered decent amount in Q3.
Anish Diwari · Vicaria Investment Management
partialthe pending net NPA is only 7 crores. original loan outstanding should be something around 21 or 22 odd crores. we have provided for certain amount and the pending value left is around 7 to 7 and a half.
Anish Diwari · Vicaria Investment Management
directSMA 1 and 2 for this period is around 6.46%. This is basically a seasonality trend. December last year this number was 6.05. Reason being Punjab, Haryana north India agriculture cash flow transition causes temporary SMA boost. We are confident of bringing it back sub 5% by March 31 2026.
Part Kota · Plus 91 Asset Management
directagriculture accounts for 28% of portfolio, not majority. Agriculture is secured by mortgage of land with LTV downward of 50% valued at collector rate. We lend to middle-income group farmers with ticket size 5-25 lakhs.
Krish Mata · Enam Holdings
directcost of deposit reduced from 5.92% to 5.86%. 64% of term deposits are old higher-rate deposits repricing over next three quarters: 23% in Q4 FY26, 46% in Q1 FY27, 27% in Q2 FY27. We expect NIM expansion of 3-5 bps in Q4, 10 bps in Q1, 15 bps in Q2.
Krish Mata · Enam Holdings
partialMSME grew 42% YoY, LAP grew 18%. We are well placed with outreach and pricing. Yield depends on monetary policy but deposit repricing will auto-correct. We expect NIM improvement in Q4, Q1, Q2.
Shrial Doshi · Aquarius Securities
partialIn Delhi NCR, Rajasthan, J&K we see higher traction in MSME and mortgage. Rajasthan is too early to comment on customer segment; we are in sanitization period. Business loan and LAP will give good outcomes.
Shrial Doshi · Aquarius Securities
directWe intend to maintain agriculture, housing, LAP, business loan at 75-80% of portfolio. For ROA, from current 1.3% (excl exceptional), we aim for 1.4% in FY27 with 5 bps improvement each quarter, and 1.6% by FY29.
Gorav Purohit · Systematics Group
directPartnership is FLG driven with variable linked to portfolio quality. It will be P&L positive. Credit cost for quarter is 0.2%, same as last year Q2. We intend to keep it range bound between 0.15 to 0.25.
Gorav Purohit · Systematics Group
partialAgri book will give some benefit but leader will be deposit cost. Q4 will see directional NIM change, Q1 we can see 10 bps upliftment. 63% high cost deposits repricing over next three quarters.
Chin Nema · Preient Capital
directAgri gross NPA around 4.7%, MFI around 23-28%. Agri book growth subdued due to floods; we are cautious. Slippages in agri are 50% of overall but recovery strategy keeps it controlled. Yield on agri is 12.62% vs overall 11%.
Vun Dubet · Share India Securities
directWe offer around 7% for one-year, 7.1% highest. We cut 60 bps over last 9 months from 7.6% to 7%. In Q3 we reduced by 15-20 bps. Cost-to-income at 60.9% is optimal; Q4 will be similar levels, declining trend over medium term.
