CAPITAL SMALL FINANCE BANK LIMITEDCapital SFB Closes FY26 with Deposits Crossing ₹10,000 Crore and Advances at ₹8,687 Crore

Mr Sarvjit Singh Sharma, Managing Directors & CEO.

CAPITAL SMALL FINANCE BANK LIMITED
Capital SFB Closes FY26 with Deposits Crossing ₹10,000 Crore and Advances at ₹8,687 Crore

FY26 & Q4 FY26
Gross Advances grow 20.9% Y-o-Y to ₹8,687 crore, with Disbursements up 20.1% Y-o-Y to ₹919 crore in Q4
Total Deposits cross ₹10,000 crore milestone — up 20.4% Y-o-Y to ₹10,018 crore
Q4 Pre-Provision Operating Profit (PPOP) at ₹61.7crore, up 28.2% Y-o-Y FY26 PPOP at ₹218 crore*
Q4 PAT at ₹40 crore, up ~17.0% Y-o-Y with FY26 PAT at ₹141 crore*
Q4 Total Income rises 16.8% to ₹300 crore with Y-o-Y growth in FY26 by 15.6% to ₹1,149 crore*
Q4 ROA improves to 1.33% with NIM at 4.1%
GNPA / NNPA improve to 2.54% / 1.24% from 2.68%/1.35% in Q3FY26 & 2.58% / 1.30% in Q4FY25
Capital Adequacy at 22.31%; Tier I at 19.58%
211 branches across 5 states and 2 Union Territories —deepening presence in the communities that need banking most
*net of one-time exceptional charge of ₹5.13 crore on account of the Labour Code change impact

Mumbai / Jalandhar, April 29, 2026 (GNI) : Capital Small Finance Bank Ltd, declared its audited financial results for Q4 FY26 and the year ended March 31, 2026, marked by strong business momentum, record disbursements and business growth of over 20%, while maintaining healthy asset quality.

Completing ten years as India’s first Small Finance Bank and 26 years as a trusted financial institution, the Bank closed the year with deposits crossing ₹10,000 crore, advances at ₹8,687 crore and profit after tax rising to ₹141.4 crore. They are a testament to the confidence of our customers who have chosen Capital SFB as their banking home.
Mr. Sarvjit Singh Samra, Managing Director & CEO “FY26 was a year the Indian economy navigated with quiet resilience. Rural demand held up, government capital spending continued, and the RBI’s decision to begin cutting rates after a prolonged pause signalled a shift in the macro environment that we believe benefitted borrowers and credit growth in the months ahead. The MSME segment was a bright spot, with business activity picking up, cash flows improving, and appetite for formal credit growing. This is a segment we have been steadily building over the years.

Against that backdrop, I am genuinely pleased with how Capital SFB performed. We grew advances by 20.9% to ₹8,687 crore, deposits crossed ₹10,000 crore, and Q4 disbursements stood at ₹919 crore. What gives me particular satisfaction is that this growth came without compromising quality. GNPA improved to 2.54%, NNPA to 1.24%, against GNPA of 2.68% and NNPA of 1.35% at the end of Q3 FY26 and also better than a year ago. Our MSME book, which we have been patiently building, grew to ₹2,209 crore, registering a YoY growth of 46.1%, reflecting both sector tailwinds and the trust our Bank has earned on the ground. Our zero exposure to direct unsecured microfinance enabled us to remain ring-fenced from sector-specific challenges.
On the earnings — our Pre-Provision Operating Profit for FY26 stood at ₹218 crore with YoY growth of 16.6% and the fourth quarter ₹62 crore with YoY growth of 28.2% Y-o-Y basis. The quarterly net profit for March 2026 record at ₹40.1 crore, up 17.0% over March last year. That kind of exit run rate tells me the operating engine is in good health. Total income for the year was ₹1,149 crore, profit after tax ₹141.4 crore (net of one-time exceptional charge of ₹5.13 crore on account of the Labour Code change impact). Our Net Interest Margin for the full year averaged 4.04% and rose to 4.06% in Q4, which tells me our margins are scaling up and asset mix are working efficiently. ROA improved to 1.33% in Q4 and our operating margins improved to more than 2% — that is the operating leverage of a scaled franchise beginning to show up in real terms.

Ten years as India’s first Small Finance Bank. Twenty-six years as a Banking Institution. The opportunities ahead are larger than the one behind us. We enter into FY27 with CRAR at 22.31% and Net Worth at ₹1,449 crore — a balance sheet that is both resilient and roaring. We enter in with a stable, low-cost deposit base, a ~98% secured advances portfolio and 26 years of experience, deep customer connects and a personalized approach. We are not in a rush but we have clear and ambitious vision about where we are heading.”

For detailed results, please visit: https://www.capital.bank.in/investors/financial-results

About Capital Small Finance Bank
Capital Small Finance Bank (CAPITAL SFB) is headquartered at Jalandhar, Punjab. It commenced operations as India’s first Small Finance Bank on April 24, 2016, following conversion from Capital Local Area Bank — which had been India’s largest local area bank since January 14, 2000. 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.ends GNI