Capital Small Finance Bank hits ₹8,165 Cr Loan Book with Stable 2.7% GNPA and 36% CASA in Q3 FY26

Capital Small Finance Bank Limited has announced the business highlights for the quarter ended December 31, 2025.

Loan Portfolio

As of December 31, 2025, the Bank's gross advances stood at ₹8,164 crores, registering a year-on-year (Y-o-Y) growth of 19.8% and quarter-on-quarter (Q-o-Q) growth of 3.3%.

The Disbursements during the quarter increased to ₹919 crore, as compared to ₹737 crore in Q3FY25 reflecting a growth of 24.7%. The loan book remains well-diversified, with 98.7% being secured, in line with the Bank's retail-centric lending approach.

Asset Quality

Asset quality remained stable, with Gross NPAs at 2.7% as of December 31, 2025, as compared to 2.7% in Q2FY26 and Q3FY25. This reflects the Bank's consistent emphasis on prudent underwriting, robust recovery mechanism, and a well-secured, diversified & granular loan book that continues to demonstrate strong repayment behaviour.

Deposits

The total deposits of the Bank aggregated to ₹9,931 crores registering a Y-o-Y growth of 18.5% and Q-o-Q growth of 6.6%. The CASA ratio improved and stood at healthy levels of 35.9% as of December 31, 2025, against 33.9% as of September 30, 2025. This reflects the Bank's sustained focus on building a stable and cost-efficient deposit franchise.

Loan-to-Deposit & Liquidity Ratio

The average^ CD ratio of the Bank for the quarter ended December 31, 2025 stood at 80.4% against 81.6% for the quarter ended September 30, 2025 and 81.1% for the quarter ended December 31, 2024. The LCR of the Bank stood at 215.82% for the quarter ended December 31, 2025. The same along with higher capital adequacy ratio, provides sufficient leg room for future growth.

Source : Equity Bulls

Keywords

CapitalSmallFinanceBank Q3FY26 BusinessUpdate