Capital Small Finance Bank reports strong Q2, H1 FY26 results

Capital Small Finance Bank Limited reported unaudited financial results for the quarter and half-year ended September 30, 2025. The bank's net profit after tax for H1 FY26 reached INR 67 crores, a 6% increase year-over-year, with Q2 FY26 alone contributing INR 35 crores, up 5% quarter-over-quarter. Gross advances grew by 18% to INR 7,907 crores in Q2 FY26, while deposits increased by 20% to INR 9,317 crores.

The bank maintained strong asset quality with a gross non-performing asset (GNPA) ratio of 2.7% and a net non-performing asset (NNPA) ratio of 1.4% as of September 30, 2025. The capital to risk-weighted assets ratio (CRAR) stood at 24.2%. These results reflect a consistent focus on secured lending (99.2% in Q2 FY26) and a diversified credit portfolio.

Capital Small Finance Bank outlined its "Vision 2029," aiming to double its advance book to INR 16k++ crores, expand its branch network to 300++, and improve RoA to 1.6%++ and RoE to 15.0%++. The bank is focused on strategic growth through segment targeting (MSME, mortgages, agriculture), branch network expansion, and continued emphasis on retail deposits with a high CASA share.