CAPITAL SMALL FIN BANK L

The earnings conference call for Capital Small Finance Bank Limited on July 24, 2026, discussed the bank's performance for Q1 FY27. Management reported a 22% year-on-year growth in gross advances, reaching INR 9,074 crores, driven by MSME and business loans. Total deposits grew by 16% year-on-year to INR 10,596 crores, with a CASA ratio improvement to 36.7%. The bank's asset quality remained stable, with GNPA at 2.47% and NNPA at 1.14%. Management highlighted a focus on secured lending, with 97.4% of the loan portfolio being secured. Profit after tax increased by 29% year-on-year to INR 41 crores. The management expressed confidence in maintaining growth momentum and improving operational efficiency, while also emphasizing the importance of customer engagement and market expansion. The call concluded with management inviting further inquiries from investors.

Management emphasized strong growth and operational improvements.