CAPITALSMALLFINANCEBANK / Q4-FY26 / claim-ledger

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Capital Small Finance · Analyst questions, management answers, and the quality of the response where the ledger is available.

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PositiveQ4-FY26 · 2026-04-??Back to quarter ↗

Questions audited

Answered directly

83%

Numeric claims

Consistency

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Question ledger

What was answered, and how?

Son Minas · Present Capital

partial

Why are provisions higher than gross NPA additions?

The provisions for other than taxation are lesser. Yes, we enhanced the provision coverage this particular quarter and our PCR which was typically 50.45% a quarter back we have improved it to 51.89% presently.

Son Minas · Present Capital

partial

Why is agriculture net NPA sticky and will it fall?

The accretion in the NPA during the current period and there was also recovery during the quarter but both are paralleling and in line with the historical trends. So nothing unusual.

Adita Mudra · My Temple Capital

evasive

What is the impact of ECL transition on credit cost?

Initial understanding it will not be P&L negative. So we will be either P&L neutral or P&L positive with this ECL but still we are evaluating the new guidelines in detail.

Adita Mudra · My Temple Capital

direct

Why did opex decline QoQ and what is steady-state opex ratio?

If we look into our opex cost, if I exclude the labor code it is almost 89 cr versus 86 crores. So the impact is only just 3 cr. So there is not a significant decline.

Pritesh Pam · Tan Capital Advisers

direct

Why was fee income weaker this quarter?

Fee income if you look into for the current quarter on a value term it is 25.8 cr versus 26.1 cr a quarter back... there is some reduction we are seeing in the treasury income because of the opportunity available.

Pritesh Pam · Tan Capital Advisers

direct

What is the outlook for NIM given LDR and rate cuts?

We are expecting the NIM benefit coming from repricing of deposits and improvement in CD ratio. We can expect better NIM in Q2 and more meaningful improvement in Q2 as we move.

Pritesh Pam · Tan Capital Advisers

direct

Why did yield on advances drop from 11.1% to 10.8%?

There was a 25 basis points rate cut coming in this particular quarter which has slightly impacted the yield on advances... another 8 to 10 basis point impact is due to agriculture accounts becoming NPA and interest reversal.

Sri Paloshi · Icorus

direct

How will agriculture portfolio behave given geopolitical and monsoon risks?

We are in a 5 lakh to 25 lakh ticket segment... we are typically lender to those cultivating at least one MSP crop... with good water reserves and canal water reaching last mile, we are not that worried.

Saga Sha · Spark PWM

direct

Why was NII growth weak despite 4% loan growth?

There was some accounts of agriculture which is marked for NPA which brings along with it interest reversals. There are slight interest reversals of one or two crores.

Saga Sha · Spark PWM

direct

What is the status of NBFC-MFI exposure and asset quality?

We have not lended any fresh money to the NBFC MFI segment... we recovered around 60 to 70 lakh rupees from those accounts... we have already signed up the OTS with one of the lender.

S from Safire Capital · Safire Capital

direct

What is the credit cost and cost-to-income guidance?

Credit cost for FY26 was 0.26%... we intend to maintain in the range of 0.15 to 0.25 for FY27. Cost to income ratio shall remain in the range of 2.9 to 3% as a percentage of average assets.

Harper · Robo Capital

direct

What are the ROA and ROE targets for FY27 and FY29?

We are targeting ROA of 1.35 to 1.4 in FY27 and ROA of 1.6% plus in FY29. If I talk about the ROE we are targeting 15% plus ROE by FY29.