On a sequential basis, the deposit base has risen by 5.8% from Rs 10,018 crore as on 31 March 2026.

The CASA ratio stood at 36.7% as of 30 June 2026, as compared to 34.7% as on 31 March 2026 and 35.9% as on 30 June 2025.

The bank’s gross advances stood at Rs 9,074 crores as on June 30, 2026, reflecting a year-on-year growth of 22.0% and quarter on-quarter growth of 4.5%.

The disbursements during the quarter increased to Rs 1,009 crore, as compared to Rs 865 crore in Q1 FY25 reflecting a growth of 16.5%. The bank stated that its loan book remains well-diversified, with nearly 98% being secured.

Asset quality strengthened further during the quarter, with gross NPAs at 2.47% as of 30 June 2026, as compared to 2.54% in Q4 FY26 and 2.75% in Q1 FY26.

The average CD ratio of the bank for the quarter ended 30 June 2026 stood at 83.1% which was 82.3% for the quarter ended 31 March 2026 and 80.9% for the quarter ended 30 June 2025.

Capital Small Finance Bank is headquartered at Jalandhar, Punjab. With 211 branches across 5 states and 2 Union Territories, the bank serves the middle-income group with a secured, diversified lending model with prime focus on rural and semi-urban market.

The company had reported 17% increase in consolidated net profit to Rs 40 crore on a 16.8% rise in total income to Rs 300 crore in Q4 FY26 as compared with Q4 FY25.