Capital Small Finance Bank Q4 Results Highlights: Capital Small Finance Bank has declared its financial results for Q4 FY26 and the year ended March 31, 2026. The bank said that it reported strong business momentum, reporting record disbursements and business growth of over 20 per cent, while maintaining healthy asset quality.
Capital Small Finance Bank Q4 Results Highlights
- Gross Advances grow 20.9% Y-o-Y to Rs 8,687 crore, with Disbursements up 20.1% Y-o-Y to Rs 919 crore in Q4
- Total Deposits cross Rs 10,000 crore milestone — up 20.4% Y-o-Y to Rs 10,018 crore
- Q4 Pre-Provision Operating Profit (PPOP) at Rs 61.7crore, up 28.2% Y-o-Y FY26 PPOP at Rs 218 crore
- Q4 PAT at Rs 40 crore, up ~17.0% Y-o-Y with FY26 PAT at Rs 141 crore
- Q4 Total Income rises 16.8% to Rs 300 crore with Y-o-Y growth in FY26 by 15.6% to Rs 1,149 crore
- Q4 ROA improves to 1.33% with NIM at 4.1%
- GNPA / NNPA improve to 2.54% / 1.24% from 2.68%/1.35% in Q3FY26 & 2.58% / 1.30% in Q4FY25
- Capital Adequacy at 22.31%; Tier I at 19.58%
- 211 branches across 5 states and 2 Union Territories —deepening presence in the communities that need banking most
Capital Small Finance Bank also completed 10 years as India’s first Small Finance Bank and 26 years as a financial institution.
Sarvjit Singh Samra, Managing Director & CEO, Capital Small Finance Bank, said that the MSME segment was a bright spot, with business activity picking up, cash flows improving, and appetite for formal credit growing.
"This is a segment we have been steadily building over the years," he said.
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