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Capital Small Finance Bank Seeks Approval for ED Remuneration and Re-appointment
Capital Small Finance Bank has issued a postal ballot notice to seek shareholder approval for the re-appointment and revised remuneration of Executive Director Mr. Munish Jain. The proposed fixed remuneration is set at ₹1.54 crore per annum effective April 1, 2025, with an additional variable pay component of up to 105% of the fixed pay. Furthermore, the bank seeks to re-appoint Mr. Jain for a three-year term starting August 28, 2026. Shareholders will also vote on the remuneration of Mr. Shahbaz Singh Samra, a related party holding an office of profit.
Key Highlights
Proposed fixed remuneration for Executive Director Mr. Munish Jain is ₹1.54 crore per annum starting April 2025.
Variable pay for the Executive Director is capped at 105% of the annual fixed pay, subject to RBI approval.
Re-appointment of Mr. Munish Jain as Executive Director for a 3-year term starting August 28, 2026.
The remote e-voting period for shareholders is scheduled from February 24, 2026, to March 25, 2026.
💼 Action for Investors
Investors should monitor the voting results to ensure leadership continuity and assess if the remuneration structure aligns with the bank's performance metrics. This is a routine governance matter and does not require immediate portfolio changes.
Capital Small Finance Bank Q3 FY26: PAT up 12% YoY to ₹38 Cr; Advances grow 19.8%
Capital Small Finance Bank reported a steady Q3 FY26 with gross advances reaching ₹8,164 crores, a 19.8% YoY growth, and deposits increasing by 18.5% to ₹9,931 crores. The bank maintained stable asset quality with GNPA at 2.68% and a healthy CASA ratio of 35.9%. Profit after tax (excluding a one-time labor code charge of ₹5.13 crores) grew 12% YoY to ₹38 crores. Management highlighted a declining cost of deposits (5.86%) and stable NIMs at 4%, positioning the bank for continued growth in semi-urban and rural markets.
Key Highlights
Gross advances grew 19.8% YoY to ₹8,164 crores, with 99% of the loan book being secured.
Total deposits rose 18.5% YoY to ₹9,931 crores, with the CASA ratio improving to 35.9% from 33.9% in the previous quarter.
Asset quality remained stable with GNPA at 2.68% and NNPA at 1.35%, while credit cost remained low at 0.2%.
Adjusted PAT (excluding exceptional labor code charges) stood at ₹38 crores with a stable Return on Assets (ROA) of 1.3%.
Capital Adequacy Ratio remains robust at 21.6% with a high Liquidity Coverage Ratio (LCR) of 215.8%.
💼 Action for Investors
Investors should monitor the bank's successful transition to lower deposit costs and its expansion outside Punjab, which is currently outpacing overall growth. The high percentage of secured lending (99%) provides a significant safety margin for long-term holders.
Capital Small Finance Bank Q3 FY26: Adjusted PAT Up 12.6% YoY, Advances Grow 19.8%
Capital Small Finance Bank reported a steady performance for Q3 FY26, with adjusted Profit After Tax (PAT) growing 12.6% YoY to ₹34 crore, excluding a one-time ₹5.13 crore charge for labor code implementation. The bank's balance sheet showed robust growth, with advances increasing 19.8% YoY to ₹8,164 crore and deposits rising 18.5% YoY to ₹9,931 crore. Notably, the CASA ratio improved significantly to 35.9% from 33.9% in the previous quarter, indicating a strengthening retail liability franchise. Asset quality remained stable and improved slightly on a sequential basis, with GNPA at 2.68% and NNPA at 1.35%.
Key Highlights
Gross advances grew 19.8% YoY to ₹8,164 crore, led by MSME and LAP portfolios.
Deposits increased 18.5% YoY to ₹9,931 crore with CASA ratio improving to 35.9%.
Adjusted PPOP and PAT grew by 20% and 12.6% YoY respectively, excluding a ₹5.13 crore one-time charge.
Asset quality improved sequentially with GNPA at 2.68% and NNPA at 1.35% (down 2 bps and 3 bps respectively).
Net Interest Margin (NIM) remained stable at 4.0% during the quarter.
💼 Action for Investors
Investors should view the bank's ability to grow its CASA ratio and maintain stable NIMs as a positive sign in a competitive environment. The focus on secured lending and improving asset quality metrics suggests a prudent growth strategy that warrants a positive outlook.
Capital SFB Q3 FY26: Adjusted PAT Up 13% YoY to ₹38 Cr; Advances Grow 20%
Capital Small Finance Bank reported a steady performance for Q3 FY26, with gross advances growing 20% YoY to ₹8,164 crore and deposits increasing 18% to ₹9,931 crore. Excluding a one-time exceptional charge of ₹5.13 crore for labor code implementation, PAT grew 13% YoY to ₹38 crore. Asset quality remains a key strength with GNPA at 2.68% and NNPA at 1.35%, backed by a 99% secured loan portfolio. The bank also saw an improvement in its CASA ratio to 35.9% and a slight reduction in the cost of deposits to 5.86%.
Key Highlights
Gross Advances increased 20% YoY to ₹8,164 crore with a 25% jump in quarterly disbursements to ₹919 crore.
Adjusted PAT (excluding ₹5.13 cr exceptional item) rose 13% YoY to ₹38 crore; reported PAT stood at ₹34 crore.
Asset quality improved sequentially with GNPA at 2.68% and NNPA at 1.35% versus 2.70% and 1.38% in Q2FY26.
CASA ratio improved to 35.9% from 33.9% in the previous quarter, while NIM remained stable at 4.0%.
MSME and Business loans were the primary growth drivers, increasing 10% on a quarter-on-quarter basis.
💼 Action for Investors
The bank's focus on a 99% secured lending book and middle-income segments continues to yield stable asset quality and low credit costs. Investors should view the improving CASA ratio and declining deposit costs as positive indicators for future margin expansion.
Capital SFB Q3FY26: Adjusted PAT Up 13% to ₹38 Cr; Advances Grow 20% YoY with 99% Secured Book
Capital Small Finance Bank reported a steady Q3FY26 performance with adjusted PAT growing 13% YoY to ₹38 crore, excluding a one-time ₹5.13 crore charge for labor code implementation. Gross advances grew 20% YoY to ₹8,164 crore, led by the MSME and Mortgage segments, while maintaining a highly secured portfolio (99%+). Asset quality remained stable with GNPA at 2.68% and NNPA at 1.35%, supported by a low credit cost of 0.20%. The bank also saw an improvement in its CASA ratio to 35.9% and a decline in the cost of deposits to 5.86%.
Key Highlights
Adjusted PAT grew 13% YoY to ₹38 crore; reported PAT stood at ₹34 crore after a ₹5.13 crore exceptional item.
Gross Advances increased by 20% YoY to ₹8,164 crore, with quarterly disbursements rising 25% to ₹919 crore.
Asset quality remains healthy with GNPA at 2.68% and NNPA at 1.35%, and a very low credit cost of 0.20%.
CASA ratio improved to 35.9% from 33.9% QoQ, while the cost of deposits started a declining trend at 5.86%.
The loan book is 99%+ secured with zero direct microfinance exposure and a granular average ticket size of ₹17.8 lakhs.
💼 Action for Investors
Investors should find comfort in the bank's highly secured, non-MFI loan book and stable asset quality metrics. The improving CASA ratio and declining deposit costs suggest potential for NIM expansion in upcoming quarters.
Capital Small Finance Bank Q3 Net Profit at ₹34.4 Cr; Re-appoints Munish Jain as ED
Capital Small Finance Bank reported a marginal 1% year-on-year growth in net profit to ₹34.41 crore for the quarter ended December 31, 2025. While total income grew by 17.9% to ₹298.39 crore, the bottom line was impacted by rising operating expenses and employee costs. Asset quality remained stable with Gross NPA at 2.68% and Net NPA at 1.35%, nearly identical to the previous year's levels. The bank also decided to exercise call options for early redemption of two debenture series and re-appointed Munish Jain as Executive Director for a three-year term.
Key Highlights
Net Profit for Q3 FY26 stood at ₹34.41 crore, a slight increase from ₹34.05 crore in Q3 FY25.
Total Income rose 17.9% YoY to ₹298.39 crore, driven by a 15.7% growth in Interest Earned.
Asset quality remained steady with Gross NPA at 2.68% and Net NPA at 1.35% as of December 31, 2025.
Capital Adequacy Ratio (CAR) moderated to 21.60% from 25.82% in the corresponding quarter of the previous year.
Return on Assets (RoA) declined to 1.16% for the quarter, compared to 1.37% in Q3 FY25.
💼 Action for Investors
Investors should note the stagnant profit growth despite healthy top-line expansion and monitor the declining Return on Assets (RoA). The stable asset quality is a positive, but the rising cost-to-income ratio warrants a cautious watch on future profitability.
Capital Small Finance Bank Re-appoints Munish Jain as Executive Director for 3 Years
Capital Small Finance Bank has approved the re-appointment of Mr. Munish Jain as Executive Director for a three-year term starting August 28, 2026. Mr. Jain is a veteran at the bank, having been part of the founding team since 2000 and previously serving as COO and CFO. The appointment is subject to necessary approvals from the Reserve Bank of India (RBI) and the bank's shareholders. As of the announcement, Mr. Jain holds 1,85,299 equity shares in the bank, demonstrating alignment with shareholder interests.
Key Highlights
Re-appointment of Mr. Munish Jain as Executive Director for a 3-year term effective August 28, 2026.
Mr. Jain has over 24 years of experience in banking and has been with the bank since its inception in 2000.
The appointee currently holds 1,85,299 equity shares in Capital Small Finance Bank Limited.
The re-appointment is subject to regulatory approval from the RBI and the bank's shareholders.
💼 Action for Investors
This move ensures management continuity and retains institutional knowledge within the core leadership team. Investors should view this as a positive signal for long-term operational stability.
Capital Small Finance Bank Q3 FY26 Net Profit at ₹34.4 Cr; GNPA Stable at 2.68%
Capital Small Finance Bank reported a steady performance for Q3 FY26 with a Net Profit of ₹34.41 crore, showing a marginal year-on-year growth from ₹34.05 crore. Total income grew by 17.9% YoY to ₹298.39 crore, primarily driven by interest earned on advances. Asset quality remained stable with Gross NPA at 2.68% and Net NPA at 1.35%. Additionally, the board approved the re-appointment of Executive Director Munish Jain and the early redemption of two debenture series via call options.
Key Highlights
Net Profit for Q3 FY26 stood at ₹34.41 crore, compared to ₹34.05 crore in the same quarter last year.
Total Income increased to ₹298.39 crore, a growth of 17.9% YoY from ₹253.13 crore.
Asset quality remained consistent with Gross NPA at 2.68% and Net NPA at 1.35% as of December 31, 2025.
Capital Adequacy Ratio (CAR) remains healthy at 21.60%, though it decreased from 24.23% in the previous quarter.
Board approved the early redemption of Debenture Series XI and XIII by exercising call options.
💼 Action for Investors
Investors should note the stable asset quality and steady income growth, though the slight compression in Return on Assets (1.16% vs 1.26% QoQ) warrants monitoring. The bank remains a stable play in the small finance segment with healthy capital buffers.
Capital SFB Q3FY26: Gross Advances Up 19.8% YoY, CASA Ratio Improves to 35.9%
Capital Small Finance Bank reported strong provisional business highlights for Q3FY26, with gross advances growing 19.8% YoY to reach ₹8,164 crores. Total deposits also saw robust growth of 18.5% YoY, reaching ₹9,931 crores, while the CASA ratio improved significantly to 35.9% from 33.9% in the previous quarter. Asset quality remained stable with Gross NPA at 2.7%, and the bank maintains a highly secured loan book at 98.7%. Liquidity remains comfortable with an LCR of 215.82% and an average CD ratio of 80.4%.
Key Highlights
Gross advances grew 19.8% YoY to ₹8,164 crores, with 98.7% of the portfolio being secured.
Total deposits increased by 18.5% YoY to ₹9,931 crores, showing a 6.6% growth on a QoQ basis.
CASA ratio improved to 35.9% as of December 31, 2025, up from 33.9% in the previous quarter.
Asset quality remained stable with Gross NPA at 2.7%, consistent with both Q2FY26 and Q3FY25 levels.
Quarterly disbursements rose 24.7% YoY to ₹919 crores compared to ₹737 crores in the same period last year.
💼 Action for Investors
The bank's ability to grow its deposit base and improve its CASA ratio while maintaining stable asset quality is a positive signal for long-term stability. Investors should look for the full earnings release to assess the impact on Net Interest Margins and overall profitability.