Capital Small Finance Bank Share Price

Outcome of Earning Call - October 30, 2026

• BSE India
• 5 hours 28 minutes ago

Copy of Newspaper Publication

• BSE India
• 5 hours 53 minutes ago

<h3><span style="font-size:16px;"><strong>Microfinance Institutions company Capital Small Finance Bank announced Q2FY27 results</strong></span></h3> <p><strong data-complete="true" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="tP2kf#s32ZS" jsuid="G3Alxb_1b">Financial Highlights:<!--TgQPHd|||[]--></strong><!--TgQPHd|||[[2,[null,null,1,null,null,null,null,null,null,null,null,null,[351768,null,0]],[],null,1]]--></p> <ul data-complete="true" data-hveid="CAAIBxAA" data-processed="true" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="wiLEJc#NS0kde" jsuid="G3Alxb_1d"> <li data-complete="true" data-hveid="CAAIBxAB" data-sae="" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="oSLmPe#HokZ0d" jsuid="G3Alxb_1e"><strong data-complete="true" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="tP2kf#s32ZS" jsuid="G3Alxb_1g">Interest Earned<!--TgQPHd|||[]--></strong> for Q2FY27 stood at Rs 30,082 lakh, representing a QoQ growth of 4.39% compared to Rs 28,818 lakh in Q1FY27 and a YoY growth of 17.30% compared to Rs 25,646 lakh in Q2FY26. For H1FY27, cumulative interest earned reached Rs 58,900 lakh, showing a YoY growth of 16.99% against Rs 50,354 lakh in H1FY26.<!--TgQPHd|||[]--><!--TgQPHd|||[]--></li> <li data-complete="true" data-hveid="CAAIBxAE" data-sae="" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="oSLmPe#HokZ0d" jsuid="G3Alxb_1m"><strong data-complete="true" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="tP2kf#s32ZS" jsuid="G3Alxb_1o">Total income<!--TgQPHd|||[]--></strong> for Q2FY27 was recorded at Rs 33,095 lakh, up 5.30% QoQ from Rs 31,430 lakh in Q1FY27 and up 18.37% YoY from Rs 27,960 lakh in Q2FY26. Cumulative total income for H1FY27 stood at Rs 64,525 lakh, marking a YoY growth of 17.41% over Rs 54,956 lakh in H1FY26.<!--TgQPHd|||[]--><!--TgQPHd|||[]--></li> <li data-complete="true" data-hveid="CAAIBxAH" data-sae="" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="oSLmPe#HokZ0d" jsuid="G3Alxb_1u"><strong data-complete="true" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="tP2kf#s32ZS" jsuid="G3Alxb_1w">Revenue from operations<!--TgQPHd|||[]--></strong> is represented by Total Income for the banking entity, which stood at Rs 33,095 lakh for Q2FY27 (QoQ change: 5.30%, YoY change: 18.37%) and reached Rs 64,525 lakh for H1FY27.<!--TgQPHd|||[]--><!--TgQPHd|||[]--></li> <li data-complete="true" data-hveid="CAAIBxAK" data-sae="" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="oSLmPe#HokZ0d" jsuid="G3Alxb_22"><strong data-complete="true" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="tP2kf#s32ZS" jsuid="G3Alxb_24">Profit Before Tax (PBT)<!--TgQPHd|||[]--></strong> from ordinary activities for Q2FY27 amounted to Rs 6,189 lakh, registering a QoQ growth of 12.53% from Rs 5,500 lakh in Q1FY27 and a YoY growth of 33.47% from Rs 4,637 lakh in Q2FY26. Cumulative PBT for H1FY27 reached Rs 11,689 lakh, expanding by 31.51% YoY against Rs 8,884 lakh in H1FY26.<!--TgQPHd|||[]--><!--TgQPHd|||[]--></li> <li data-complete="true" data-hveid="CAAIBxAN" data-sae="" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="oSLmPe#HokZ0d" jsuid="G3Alxb_2a"><strong data-complete="true" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="tP2kf#s32ZS" jsuid="G3Alxb_2c">Profit After Tax (PAT)<!--TgQPHd|||[]--></strong> for Q2FY27 was reported at Rs 4,561 lakh, indicating a QoQ growth of 10.44% against Rs 4,130 lakh in Q1FY27 and a YoY growth of 30.73% compared to Rs 3,489 lakh in Q2FY26. Standalone PAT for H1FY27 stood at Rs 8,691 lakh, showing a YoY expansion of 29.91% from Rs 6,690 lakh in H1FY26.<!--TgQPHd|||[]--><!--TgQPHd|||[]--></li> <li data-complete="true" data-hveid="CAAIBxAQ" data-sae="" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="oSLmPe#HokZ0d" jsuid="G3Alxb_2i"><strong data-complete="true" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="tP2kf#s32ZS" jsuid="G3Alxb_2k">Earnings Per Share (EPS)<!--TgQPHd|||[]--></strong> basic stood at Rs 10.03 for Q2FY27, up 10.34% QoQ from Rs 9.09 in Q1FY27 and up 30.26% YoY from Rs 7.70 in Q2FY26. Diluted EPS stood at Rs 9.98 for Q2FY27, up 10.15% QoQ from Rs 9.06 in Q1FY27 and up 29.78% YoY from Rs 7.67 in Q2FY26. For H1FY27, basic EPS reached Rs 19.12 (up 29.36% YoY) and diluted EPS reached Rs 19.04 (up 29.35% YoY).<!--TgQPHd|||[]--><!--TgQPHd|||[]--></li> <!--TgQPHd|||[]--> </ul> <p><!--TgQPHd|||[]--></p> <p><!--TgQPHd|||[]--></p> <p><!--TgQPHd|||[]--></p> <p><strong data-complete="true" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="tP2kf#s32ZS" jsuid="G3Alxb_38">Business & Segment Highlights:<!--TgQPHd|||[]--></strong><!--TgQPHd|||[[2,[null,null,1,null,null,null,null,null,null,null,null,null,[351768,null,0]],[],null,1]]--></p> <ul data-complete="true" data-hveid="CAAIDRAA" data-processed="true" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="wiLEJc#NS0kde" jsuid="G3Alxb_39"> <li data-complete="true" data-hveid="CAAIDRAB" data-sae="" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="oSLmPe#HokZ0d" jsuid="G3Alxb_3a"><strong data-complete="true" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="tP2kf#s32ZS" jsuid="G3Alxb_3c">Treasury Segment:<!--TgQPHd|||[]--></strong> Segment revenue for Q2FY27 stood at Rs 5,905 lakh compared to Rs 5,977 lakh in Q1FY27 and Rs 5,308 lakh in Q2FY26. H1FY27 segment revenue stood at Rs 11,882 lakh. Segment results achieved a profit before tax of Rs 727 lakh in Q2FY27, Rs 724 lakh in Q1FY27, and Rs 627 lakh in Q2FY26, with H1FY27 results at Rs 1,296 lakh.<!--TgQPHd|||[]--><!--TgQPHd|||[]--></li> <li data-complete="true" data-hveid="CAAIDRAC" data-sae="" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="oSLmPe#HokZ0d" jsuid="G3Alxb_3d"><strong data-complete="true" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="tP2kf#s32ZS" jsuid="G3Alxb_3f">Retail Banking Segment:<!--TgQPHd|||[]--></strong> Segment revenue for Q2FY27 reached Rs 27,833 lakh compared to Rs 26,335 lakh in Q1FY27 and Rs 23,173 lakh in Q2FY26. H1FY27 segment revenue grew to Rs 54,343 lakh. Segment results recorded a profit before tax of Rs 6,449 lakh in Q2FY27, Rs 5,944 lakh in Q1FY27, and Rs 4,828 lakh in Q2FY26, with H1FY27 cumulative profit at Rs 12,648 lakh.<!--TgQPHd|||[]--><!--TgQPHd|||[]--></li> <li data-complete="true" data-hveid="CAAIDRAD" data-sae="" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="oSLmPe#HokZ0d" jsuid="G3Alxb_3g"><strong data-complete="true" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="tP2kf#s32ZS" jsuid="G3Alxb_3i">Wholesale Banking Segment:<!--TgQPHd|||[]--></strong> Segment revenue for Q2FY27 came in at Rs 4,151 lakh against Rs 3,816 lakh in Q1FY27 and Rs 3,183 lakh in Q2FY26. H1FY27 segment revenue totaled Rs 7,967 lakh. Segment results recorded a profit before tax of Rs 506 lakh in Q2FY27, Rs 340 lakh in Q1FY27, and Rs 471 lakh in Q2FY26, with H1FY27 performance at Rs 842 lakh.<!--TgQPHd|||[]--><!--TgQPHd|||[]--></li> <li data-complete="true" data-hveid="CAAIDRAE" data-sae="" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="oSLmPe#HokZ0d" jsuid="G3Alxb_3j"><strong data-complete="true" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="tP2kf#s32ZS" jsuid="G3Alxb_3l">Other Banking Operations:<!--TgQPHd|||[]--></strong> Segment revenue for Q2FY27 stood at Rs 1,091 lakh against Rs 1,111 lakh in Q1FY27 and Rs 931 lakh in Q2FY26. H1FY27 segment revenue stood at Rs 2,202 lakh. Segment results posted a profit before tax of Rs 1,005 lakh in Q2FY27, Rs 1,012 lakh in Q1FY27, and Rs 864 lakh in Q2FY26, with H1FY27 tracking at Rs 2,017 lakh.<!--TgQPHd|||[]--><!--TgQPHd|||[]--></li> <li data-complete="true" data-hveid="CAAIDRAF" data-sae="" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="oSLmPe#HokZ0d" jsuid="G3Alxb_3m"><strong data-complete="true" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="tP2kf#s32ZS" jsuid="G3Alxb_3o">Advances & Disbursements:<!--TgQPHd|||[]--></strong> Total advances reached Rs 9,755 crore, expanding by 7.5% QoQ and 23.4% YoY. Gross disbursements during Q2FY27 stood at Rs 1,095 crore, matching a 36% YoY growth. The credit portfolio remains granular with 97.0% secured exposure and an overall average ticket size (ATS) of Rs 1.95 million.<!--TgQPHd|||[]--><!--TgQPHd|||[]--></li> <li data-complete="true" data-hveid="CAAIDRAG" data-sae="" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="oSLmPe#HokZ0d" jsuid="G3Alxb_3p"><strong data-complete="true" data-sfc-cp="" data-sfc-root="c" jsaction="" jscontroller="tP2kf#s32ZS" jsuid="G3Alxb_3r">Deposits & Liability Profile:<!--TgQPHd|||[]--></strong> Total deposits reached Rs 10,831 crore, showing a 2.2% QoQ growth and a 16.2% YoY growth. Retail deposits continue to dominate the liability portfolio, commanding a share exceeding 90%. Standalone CASA ratio remained healthy at 34.5% during Q2FY27, with average CASA tracking at 34.8%.</li> </ul> <p><strong>Sarvjit Singh Samra, Managing Director & CEO, said: </strong>"Our Q2FY27 performance reflects the strength of our established banking model and the benefits of disciplined, consistent execution. Our continued focus on relationship-led banking, prudent lending and customer engagement is translating into healthy business growth, improved profitability and stronger asset quality. These outcomes reinforce our confidence in our strategy and our ability to create sustainable long-term value.</p> <p>The gross advances recorded an increase of 23.4% YoY and 7.5% quarter-on-quarter to Rs 9,755 crore as of September 30, 2026. The disbursements during the quarter increased to Rs 1,095 crore, as compared to Rs 805 crore in Q2FY26, reflecting a growth of 36.0%.</p> <p>Total deposits increased to Rs 10,831 crore as of September 30, 2026, registering a YoY growth of 16.2%. CASA deposits stood at Rs 3,734 crore, representing 34.5% of total deposits, as compared to 33.9% as of September 30, 2025, reflecting continued strength of the Bank's retail deposit franchise and deeper customer engagement across its branch network.</p> <p>Asset quality further improved, with Gross NPA reducing to 2.36% from 2.47% in the previous quarter and 2.70% a year ago, while Net NPA improved to 1.12% from 1.14% in the previous quarter and 1.38% a year ago. The loan book remains well-diversified, with ~97% being secured, consistent with the Bank’s prudent, retail-focused secured lending philosophy.</p> <p>During Q2FY27, Net Interest Margin improved to 4.24% against 4.21% in the previous quarter and 4.04% a year ago, with Net Interest Income growing 24.2% YoY to Rs 138.7 crore. Non-interest income rose to 0.92% of average total assets against 0.82% in the previous quarter and 0.86% a year ago, reflecting the Bank's diversified earnings profile. Operating margins remained strong at 2.08% against 2.04% in the previous quarter and 1.88% a year ago, while the cost-to-income ratio improved to 59.8% from 61.7% a year back. Pre-Provision Operating Profit increased by 30.9% YoY to Rs 67.9 crore and Profit After Tax increased by 30.7% YoY to Rs 45.6 crore. Return on Assets stood at 1.39%, reflecting the overall improvement in operating performance.</p> <p>As we progress towards Rs 16,000+ crore loan book (Vision 2029), our priorities remain clear; deepening our presence in existing markets along with expanding into contiguous geographies; continue strengthening retail-driven deposit franchise and secured & retail-focused lending practices; serving the aspiring middle-income customer segment.</p> <p>We remain committed of disciplined growth, preserving asset quality, enhancing operating efficiency and creating sustainable long-term value for all our stakeholders."</p> <p><a class="lb" href="/get-document/post/pdf/5917576/" target="_blank">Result PDF</a></p>

• Trendlyne
• 10 hours 12 minutes ago