CSBBANK

CSB Bank share price & financials

Price
₹365.5
Market cap
₹5.8k Cr
Sector
Financial Services
Calls analysed
7
Latest concall · Q1 FY27 · call held 22 Jul 2026

CSB Bank Q1 FY27

Net Profit ₹150 cr +27%EPS ₹35 ROE 12.71% NIM 3.66%

What went well

  • Net profit grew 27% YoY to Rs.150 Crores in Q1 FY2027.
  • Operating profit grew 14% YoY to Rs.251 Crores in Q1 FY2027.
  • Net interest income grew 26% to Rs.479 Crores.

What to watch

  • Other income degrew by 7% YoY, mainly due to decline in treasury profit.
  • Gold loan and SME/BLG yields declined slightly (gold from 12% to 11.85%, SME/BLG from 9.81% to 9.25%).
Read the full call →

What CSB Bank does

CSB Bank is a private-sector bank headquartered in Kerala, the oldest such bank in the state, promoted by FIH Mauritius Investments Ltd, an entity backed by the Fairfax Group. It serves retail customers, MSMEs, corporate clients, agricultural borrowers and high-net-worth/digital banking customers through a branch network spread across metropolitan, urban, semi-urban and rural India. Gold loans (lending against pledged household gold) form a core, distinctive line of business alongside wholesale/corporate lending, a dedicated Business Lending Group for MSME/business banking, and treasury operations funded by retail deposits.

Segments

  • Gold Loan
  • Wholesale/Corporate Banking
  • Business Lending Group (BLG)/MSME
  • Retail Banking
  • Treasury/Investments
Branch network
862 branches (as of March 2026)
Branch mix by geography type
232 metropolitan, 171 urban, 394 semi-urban, 65 rural branches
Geographic footprint
Branches concentrated in Kerala (31%), Tamil Nadu (16%), Andhra Pradesh (13%), Maharashtra (11%) and Karnataka (7%), with the remainder spread across states including Delhi, Telangana and Gujarat
Gold loan accounts
4.16 lakh accounts (FY26)
Gold held as loan collateral
24.04 tonnes (FY26)
Market position
Oldest private-sector bank in Kerala
Founded 1920Headquarters CSB Bhavan, St. Mary's College Road, Thrissur - 680020, Kerala, India Company website

Guidance record · Q1 FY27

what the last two calls moved 25 tracked 6 delivered 3 missed 16 open
  • CBS Migration Completion delivered said Q3 FY25 Promised: Completed in Q1 FY26, stabilized by Q2 FY26 Q1 FY27: Promise completed and achieved in FY26.
  • Credit Cost missed said Q4 FY25 Promised: <30 bps for FY26 Q1 FY27: Promise related to FY26 performance, which was missed.
  • SME Growth Rate at risk said Q4 FY26 Promised: 28%-30% growth range in the next two years (by FY28) Q1 FY27: Management stated a 'measured' and 'cautious' approach towards the SME/BLG portfolio due to market uncertainties, putting the aggressive growth target at risk.

All 25 tracked — every revision, and every one management stopped mentioning.

Open the guidance ledger

Quarterly results

Q1 FY27: revenue up 23.6%, net profit up 26.1% against the same quarter last year.

₹ Cr · quarterly
Line itemQ2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26Q3 FY26Q4 FY26Q1 FY27
Revenue865 919 981 1,041 1,109 +28%1,154 +26%1,201 +22%1,287 +24%
Net profit138 152 190 119 160 +16%153 +1%202 +6%150 +26%
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.

Performance −16.9% 1Y

₹300₹400₹500Sept 25Oct 25Dec 25Jan 26Mar 26Apr 26Jun 26Jul 26Sept 26Q2 FY26 — 6 Nov 2025Q3 FY26 — 28 Jan 2026Q4 FY26 — 4 May 2026Q1 FY27 — 22 Jul 2026

1Y: ₹368.05 on 10 Sept 2025 → ₹305.7. High ₹557.45 (5 Jan 2026), low ₹305.7 (11 Sept 2026).

How the price took the results

close before → close after

Q1 FY27
−6.7%
22 Jul
Q4 FY26
+2.7%
4 May
Q3 FY26
−15.5%
28 Jan
Q2 FY26
+1.4%
6 Nov

The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.

Financials, as filed

Revenue grew 24.8% a year over 3 years, FY23 to FY26.

Year endingFY23FY24FY25FY26
Revenue₹2.3k Cr₹2.9k Cr₹3.6k Cr₹4.5k Cr
Interest₹985 Cr₹1.5k Cr₹2.1k Cr₹2.8k Cr
Depreciation₹0 Cr₹0 Cr₹0 Cr₹0 Cr
Net profit₹548 Cr₹566 Cr₹593 Cr₹634 Cr
Net margin23.6%19.3%16.5%14.1%
Cash from operations₹2.2k Cr₹1.8k Cr₹-5.3k Cr₹-314 Cr
Free cash flow₹2.1k Cr₹1.7k Cr₹-5.6k Cr₹-502 Cr
ROE19.0%16.0%14.0%13.0%
How to read this

From the company's own filings. Margins are computed from the filed sums; a year with an incomplete quarter is left blank rather than estimated.

Balance sheet

Year endingFY21FY22FY23FY24FY25FY26
Equity capital₹174 Cr₹174 Cr₹174 Cr₹174 Cr₹174 Cr₹174 Cr
Reserves₹2.0k Cr₹2.5k Cr₹3.0k Cr₹3.6k Cr₹4.5k Cr₹4.7k Cr
Borrowings₹1.4k Cr₹2.0k Cr₹783 Cr₹1.8k Cr—₹7.2k Cr
Deposits₹19.1k Cr₹20.2k Cr₹24.5k Cr₹29.7k Cr—₹44.2k Cr
Other liabilities₹591 Cr₹509 Cr₹670 Cr₹776 Cr₹1.3k Cr₹1.4k Cr
Total liabilities₹23.3k Cr₹25.4k Cr₹29.2k Cr₹36.1k Cr₹50.0k Cr₹57.7k Cr
Fixed assets₹269 Cr₹288 Cr₹319 Cr₹406 Cr₹671 Cr₹708 Cr
Capital work in progress₹0 Cr₹0 Cr₹0 Cr₹0 Cr₹0 Cr₹2 Cr
Investments₹6.1k Cr₹7.0k Cr₹5.8k Cr₹7.6k Cr₹10.8k Cr₹12.0k Cr
Other assets₹16.9k Cr₹18.1k Cr₹23.0k Cr₹28.1k Cr₹38.5k Cr₹45.1k Cr
Total assets₹23.3k Cr₹25.4k Cr₹29.2k Cr₹36.1k Cr₹50.0k Cr₹57.7k Cr
How to read this

As filed each year. A line the company does not report — deposits for a non-lender, for instance — is left out rather than shown as a row of dashes.

Who owns it

As disclosed at Jun 2026

Since Jun 2025, FIIs trimmed −2.74 pp while the public added +2.49 pp. The shareholder count grew 4% to 67,652.

Promoters
40.0%
FIIs
12.6%
DIIs
15.1%
Public
30.1%
Others
2.2%

Since Jun 2025

  • FIIs −2.74 pp
  • Public +2.49 pp
  • DIIs +0.44 pp

How it drifted, 12 quarters

Over this window promoters fell from 49.7% to 40.0% — −9.7 pp.

Sep '23Dec '24Jun '26

Ownership split by quarter, oldest first. Sep '23: Promoters 49.7%, FIIs 4.7%, DIIs 14.3%, Public 28.4%, Others 2.9%.Dec '23: Promoters 49.7%, FIIs 4.6%, DIIs 16.1%, Public 26.7%, Others 2.9%.Mar '24: Promoters 49.7%, FIIs 4.9%, DIIs 15.9%, Public 26.8%, Others 2.6%.Jun '24: Promoters 40.0%, FIIs 12.4%, DIIs 18.7%, Public 26.3%, Others 2.5%.Sep '24: Promoters 40.0%, FIIs 12.7%, DIIs 17.6%, Public 27.2%, Others 2.5%.Dec '24: Promoters 40.0%, FIIs 12.8%, DIIs 17.1%, Public 27.6%, Others 2.5%.Mar '25: Promoters 40.0%, FIIs 13.1%, DIIs 16.9%, Public 27.6%, Others 2.4%.Jun '25: Promoters 40.0%, FIIs 15.4%, DIIs 14.6%, Public 27.6%, Others 2.4%.Sep '25: Promoters 40.0%, FIIs 14.2%, DIIs 16.1%, Public 27.3%, Others 2.4%.Dec '25: Promoters 40.0%, FIIs 14.2%, DIIs 15.6%, Public 27.9%, Others 2.4%.Mar '26: Promoters 40.0%, FIIs 12.8%, DIIs 15.2%, Public 29.6%, Others 2.3%.Jun '26: Promoters 40.0%, FIIs 12.6%, DIIs 15.1%, Public 30.1%, Others 2.2%.

Who was buying across the market this quarter →

Who bought this quarter

since Mar 2026

Disclosed holders that added to a position or appeared on the register for the first time, biggest addition first.

The same filing shows 1 holder trimming and 0 off the list — both are in the register beside this.

Who is on the register

Named in the Jun 2026 filing

Every holder of CSB Bank above SEBI's 1% disclosure line, and what changed since Mar 2026.

HolderStakeChange
FIH Mauritius Investments Ltd 40.00%unchanged
SBI Small Cap Fund Mutual fund6.34%unchanged
Amansa Holdings Private Limited FPI fund4.58%unchanged
Theleme India Master Fund Limited FPI fund2.65%+0.06 pp
Sundaram Mutual Fund A/C Sundaram Financial Services Opportunities Fund Mutual fund2.29%unchanged
Yusuffali Musaliam Veettil Abdul Kader 2.06%unchanged
ICICI Prudential Multicap Fund Mutual fund1.72%−0.14 pp
Persistence Capital Fund I VC / PE1.29%unchanged
Zafar Ahmadullah 1.07%unchanged

A holder disappearing from this list has fallen below the 1% line — it is not necessarily a sale. Percentages are of total shares, as disclosed in the company's own filing. Who was buying across the market this quarter.

Mutual funds in CSBBANK

Filings to Aug 2026

0 new, 0 added, 0 trimmed, 0 sold out — net +0.00 L shares (+0.0%).

Held by funds
₹378 Cr
1 schemes
Biggest holder
SBI Smallcap Fund
₹378 Cr · 0.9% of that fund
SchemeHoldingLast month
SBI Smallcap Fund SBI Mutual Fund₹378 Crheld

HDFC, Nippon India and SBI schemes, from their monthly disclosures. Changes are counted in shares, so a price move never looks like buying or selling.

Mutual funds Aug 2026

0 added, 0 trimmed — net 0 shares (+0.0%)

Funds are sitting on
+40%
vs est. average cost
Held by funds
₹378 Cr
1 schemes · ≈ 7.0% of the company

Shares held by these funds −31%

Aug '23 1.10 cr shares Jul '26

All earnings calls (7)

Read the Q1 FY27 call →

Learn to analyse CSB Bank

Guides on how to read this kind of business and the numbers that matter.