How did Capital SFB's asset quality change this quarter?

Gross NPAs improved to 2.47% from 2.54% in the prior quarter. The absolute NPA figure was not disclosed.

What drove the 22% advance growth?

The bank cited disciplined underwriting and a diversified, secured loan portfolio. Sectoral breakdown was not provided.

Are deposits keeping up with loan growth?

Deposits grew 16.3% YoY, slower than advances. The CASA ratio improved to 36.7%, but the CD ratio of 83.1% suggests some reliance on wholesale funds.

How does this quarter compare year-on-year?

In Q1 last year, advances and deposits were lower by 22% and 16.3% respectively. The base effect is favourable. Absolute prior-year numbers were not given.

What is the bank's current valuation?

The bank trades at a P/E of 9 and ROE of 10.2% with a market cap of ₹1,273 crore. The valuation reflects its micro-cap status and steady but unspectacular growth.

Banks · Small cap

Capital SFB advances rise 22%, asset quality improves in Q1

Gross advances hit ₹9,074 crore, deposits ₹10,596 crore; GNPA narrows to 2.47% from 2.54% QoQ.

CAPITALSFB By Tipsheet Editorial 2 Jul 2026 · 10:39 AM IST Verify on BSE · NSE

Mkt cap₹1,273 cr

P/E9.01×

ROE10.15%

Debt / eq.0.34

Div yld0.57%

22% YoY growth in gross advances in Q1 FY27

What's new

Gross advances rose 22% YoY to ₹9,074 crore.
Total deposits up 16.3% to ₹10,596 crore.
GNPA improved to 2.47% from 2.54% prior quarter.

Why this matters

For a ₹1,273-crore bank with a P/E of 9 and ROE of 10.2%, 22% loan growth and stable asset quality are the base case. CASA at 36.7% and a credit-deposit ratio of 83.1% point to a healthy funding mix. The numbers extend existing trends without a surprise.

What we're watching

Whether deposit growth can keep pace with advances to avoid funding pressure.
Any shift in asset quality as the loan book scales.

The full read

Capital Small Finance Bank started FY27 with solid momentum. Gross advances climbed 22% to ₹9,074 crore. Deposits rose 16.3% to ₹10,596 crore. Asset quality edged better: GNPA fell to 2.47% from 2.54% last quarter. CASA improved to 36.7%. The credit-deposit ratio held at 83.1%. The numbers are a continuation, not a surprise. For a ₹1,273-crore bank with a P/E of 9 and ROE of 10.2%, steady 22% loan growth and stable asset quality are the base case. The real test is whether deposit growth can keep pace to avoid margin compression.

Questions answered

How did Capital SFB's asset quality change this quarter?: Gross NPAs improved to 2.47% from 2.54% in the prior quarter. The absolute NPA figure was not disclosed.
What drove the 22% advance growth?: The bank cited disciplined underwriting and a diversified, secured loan portfolio. Sectoral breakdown was not provided.
Are deposits keeping up with loan growth?: Deposits grew 16.3% YoY, slower than advances. The CASA ratio improved to 36.7%, but the CD ratio of 83.1% suggests some reliance on wholesale funds.
How does this quarter compare year-on-year?: In Q1 last year, advances and deposits were lower by 22% and 16.3% respectively. The base effect is favourable. Absolute prior-year numbers were not given.
What is the bank's current valuation?: The bank trades at a P/E of 9 and ROE of 10.2% with a market cap of ₹1,273 crore. The valuation reflects its micro-cap status and steady but unspectacular growth.

Mentioned: Capital Small Finance Bank · ₹9,074 cr advances · ₹10,596 cr deposits

Primary source BSE · NSE · Tijori

An independent reading of the company's own disclosure — the primary filing above is the final word.

Company snapshot

Capital Small Finance Bank Ltd.

Banks

₹1,322 cr

P/E 9.35×

Latest quarter · Mar 2026

Net profit₹40 cr

Net margin+14.7%

EPS₹8.82

Returns & growth

Return on equity+10.2%