Capital Small Finance Bank Q1 FY27 results (Apr–Jun 2026) and concall

Financial Services · Concall AI · Call held 24 Jul 2026

Company page: Capital Small Finance Bank share price, financials & guidance record

Capital Small Finance Bank delivered a strong Q1 FY27, marked by robust credit growth, improved profitability, and enhanced asset quality. NIM expanded due to deposit repricing and CD ratio acceleration, while ROA and PAT saw significant year-on-year increases. The bank remains focused on secured lending, expanding its retail deposit franchise, and is on track to achieve its FY29 targets for loan book, ROA, and ROE.

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What they filed

Q1 FY27: revenue up 16.6%, net profit up 28.1% against the same quarter last year.

₹ Cr · quarterly

Line item	Q2 FY25	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26	Q3 FY26	Q4 FY26	Q1 FY27
Revenue	224	235	231	247	256 +14%	272 +16%	273 +18%	288 +17%
Expenses	82	80	84	90	88	100	92	105
Other income	26	18	26	23	23	26	26	26
Interest	123	128	128	137	145	153	152	155
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	44	46	45	43	46 +5%	46 +0%	54 +20%	55 +28%
Tax rate	25%	25%	24%	25%	25%	25%	26%	25%
Net profit	33	34	34	32	35 +6%	34 +0%	40 +18%	41 +28%
EPS	7.40	7.53	7.57	7.07	7.70	7.58	8.82	9.08

How to read this

₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.

Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.

What they filed

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