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Capital Small Finance Bank Q3 FY26 results (Oct–Dec 2025) and concall

Financial Services · Concall AI · Call held 30 Jan 2026

Capital Small Finance Bank delivered a robust Q3 FY26, marked by strong deposit and advances growth, coupled with improving asset quality metrics. The bank saw a decline in its cost of deposits and maintained stable NIM, with further expansion anticipated from deposit repricing. Strategic focus on secured lending, geographical expansion, and operational efficiency continues to drive performance, despite a temporary seasonal uptick in SMA-1/SMA-2.

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What they filed

Q3 FY26: revenue up 15.7%, net profit up 0.0% against the same quarter last year.

₹ Cr · quarterly
Line itemQ2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26Q3 FY26
Revenue224 235 231 247 256 +14%272 +16%
Net profit33 34 34 32 35 +6%34 +0%
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.