Capital Small Finance Bank Ltd

About

Capital Small Finance Bank Limited provides a range of banking and financial products and services for individuals and businesses in India. It operates through four segments: Treasury, Wholesale Banking, Retail Banking, and Other Banking Operations. The company offers various deposits accounts, including savings, current, cumulative, short term, quarterly and monthly interest deposit and recurring deposits; real estate regulatory authority accounts; term deposits; bank lockers; debit and credit cards; trade finance; bank guarantees; 3-in-1 trading account; ATMs; cheque and pass books; and pension scheme. It also provides loans, such as loan against rentals, auto, housing, gold, personal, mortgage loan against property, credit card for farmer, corporate loan, and MSME loans. In addition, the company offers various insurance products, such as general, life, health, travel, home, and motor. Further, it provides money transfer, bill payment system, payment gateway, net banking, tax payments, and foreign exchange, government banking, NRI banking services and point of sale services. The company was formerly known as Capital Local Area Bank Limited and changed its name to Capital Small Finance Bank Limited in April 2016. Capital Small Finance Bank Limited was incorporated in 1999 and is headquartered in Jalandhar, India.

Key Metrics

as of Sep 2026

Market Cap1,277 Cr

P/E8.48

Div Yield1.78 %

Book Value₹327.00

52w High₹328.00

52w Low₹207.00

Face Value₹10.00

Quarterly Results

Rs. Crores · hover row for definition

Metric	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023
Expenses	105.00	92.00	100.00	88.00	90.00	84.00	80.00	82.00	76.00	70.00	67.00	68.00	60.00
Other Income	26.00	26.00	26.00	23.00	23.00	26.00	18.00	26.00	17.00	21.00	18.00	16.00	13.00
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Interest	155.00	152.00	153.00	145.00	137.00	128.00	128.00	123.00	119.00	117.00	117.00	113.00	102.00
Profit before tax	55.00	54.00	46.00	46.00	43.00	45.00	46.00	44.00	40.00	38.00	38.00	32.00	40.00
Tax %	25.00	26.00	25.00	25.00	25.00	24.00	25.00	25.00	25.00	25.00	25.00	25.00	25.00
Net Profit	41.00	40.00	34.00	35.00	32.00	34.00	34.00	33.00	30.00	28.00	29.00	24.00	30.00
EPS in Rs	9.08	8.82	7.58	7.70	7.07	7.57	7.53	7.40	6.66	6.26	8.17	—	—

Profit & Loss

Annual · Rs. Crores

Metric	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018
Expenses	353.00	304.00	248.00	227.00	209.00	174.00	166.00	128.00	108.00
Other Income	98.00	86.00	68.00	49.00	54.00	46.00	43.00	31.00	23.00
Interest	587.00	498.00	449.00	354.00	323.00	313.00	286.00	211.00	166.00
Depreciation	18.00	17.00	17.00	21.00	16.00	16.00	15.00	12.00	0.00
Profit before tax	189.00	175.00	148.00	124.00	84.00	54.00	35.00	27.00	19.00
Tax %	25.00	25.00	25.00	25.00	26.00	24.00	27.00	28.00	0.00
Net Profit	141.00	132.00	112.00	94.00	63.00	41.00	25.00	19.00	19.00
EPS in Rs	31.13	29.10	24.76	—	—	—	—	—	—
Dividend Payout %	16.00	14.00	5.00	4.00	5.00	7.00	0.00	3.00	0.00

Balance Sheet

Annual · Rs. Crores — latest first

Metric	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018
Equity Capital	45.00	45.00	45.00	34.00	34.00	34.00	34.00	28.00	28.00
Reserves	1,416.00	1,295.00	1,152.00	576.00	482.00	417.00	373.00	222.00	205.00
Other Liabilities	166.00	124.00	148.00	98.00	93.00	83.00	56.00	45.00	46.00
Total Liabilities	12,144.00	10,108.00	9,295.00	7,991.00	7,154.00	6,371.00	5,330.00	4,321.00	3,352.00
Fixed Assets	97.00	88.00	84.00	83.00	84.00	87.00	91.00	84.00	65.00
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	1,973.00	1,819.00	1,706.00	1,489.00	1,357.00	1,212.00	1,052.00	863.00	871.00
Other Assets	10,074.00	8,200.00	7,506.00	6,420.00	5,713.00	5,072.00	4,187.00	3,375.00	2,417.00
Total Assets	12,144.00	10,108.00	9,295.00	7,991.00	7,154.00	6,371.00	5,330.00	4,321.00	3,352.00

Cash Flows

Annual · Rs. Crores — latest first

Metric	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019
Cash from Operating Activity	-385.00	279.00	116.00	75.00	-211.00	174.00	-80.00	8.00
Cash from Investing Activity	-37.00	-56.00	-165.00	-202.00	-13.00	-12.00	-22.00	-31.00
Cash from Financing Activity	163.00	-155.00	223.00	222.00	-120.00	197.00	192.00	134.00
Net Cash Flow	-258.00	68.00	173.00	94.00	-344.00	359.00	90.00	111.00
Free Cash Flow	-412.00	258.00	98.00	55.00	-224.00	162.00	-102.00	-23.00
CFO/OP %	-49.00	53.00	29.00	24.00	-51.00	56.00	-23.00	9.00

Ratios

Annual · Days / % — latest first

Metric	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018

Shareholding Pattern

% holding — latest first

Holder	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024
Promoters	18.29	18.01	17.96	18.75	18.77	18.77	18.77	18.84	18.85	18.85
FIIs	0.59	0.55	0.43	1.26	1.34	1.29	1.36	1.33	1.33	1.38
DIIs	27.48	28.06	28.13	27.97	31.50	31.85	31.31	31.71	32.58	33.09
Public	53.65	53.39	53.49	52.01	48.38	48.08	48.56	48.12	47.24	46.70
No. of Shareholders	63,826	63,242	65,504	67,317	68,325	70,112	73,880	76,543	82,280	89,964