Question 1

What was Capital Small Finance Bank's net profit in Q2 FY27?

Accepted Answer

Standalone net profit was ₹45.6 crore, up 30.7% from ₹34.9 crore in Q2 FY26 and up 10.4% from ₹41.3 crore in Q1 FY27.

Question 2

What was Capital Small Finance Bank's net interest income in Q2 FY27?

Accepted Answer

Net interest income (interest earned less interest paid) was ₹136 crore, up 22.0% on the year. Operating profit before provisions was ₹64.9 crore, and provisions were ₹3 crore.

Question 3

What was Capital Small Finance Bank's net profit in FY26?

Accepted Answer

Standalone net profit was ₹141 crore in FY26 (April 2025–March 2026), up 7.4% from ₹132 crore in FY25. It was ₹112 crore in FY24.

Question 4

How were Capital Small Finance Bank's Q2 FY27 results?

Accepted Answer

Both grew from a year earlier: net profit was up 30.7% at ₹45.6 crore and net interest income was up 22.0% at ₹136 crore. Gross NPAs were 2.36% of advances, against 2.70% a year earlier. Against Q1 FY27, net profit was up 10.4% and net interest income up 2.0%.

Question 5

What were Capital Small Finance Bank's NPAs in Q2 FY27?

Accepted Answer

Gross non-performing assets (NPAs) were ₹231 crore, 2.36% of gross advances, against 2.70% a year earlier and 2.47% in Q1 FY27. Net NPAs were 1.12% of net advances (1.38% a year earlier).

Question 6

How much did Capital Small Finance Bank's deposits and loans grow in Q2 FY27?

Accepted Answer

On 30 September 2026, deposits were ₹10,831 crore, up 16.2% from ₹9,317 crore a year earlier, and advances (loans) were ₹9,633 crore, up 23.5% from ₹7,801 crore a year earlier.

Question 7

What was Capital Small Finance Bank's EPS in Q2 FY27?

Accepted Answer

Basic earnings per share were ₹10.03, against ₹7.70 in Q2 FY26.

Question 8

What was Capital Small Finance Bank's net interest income in FY26?

Accepted Answer

Net interest income was ₹461 crore in FY26 (April 2025–March 2026), up 12.5% from ₹410 crore in FY25. It was ₹345 crore in FY24.

Question 9

When did Capital Small Finance Bank announce its Q2 FY27 results?

Accepted Answer

On Thursday, 29 October 2026 at 6:42 pm IST, in its results filing to the stock exchanges. A year earlier it reported Q2 FY26 on 29 October 2025.

Question 10

What was Capital Small Finance Bank's net profit in the first half of FY27?

Accepted Answer

Standalone net profit for the first half of FY27 (April–September 2026) was ₹86.9 crore, up 29.9% from ₹66.9 crore in the same months a year earlier. Net interest income was ₹270 crore, up 21.8%.

Question 11

How has Capital Small Finance Bank's profit changed over the last four quarters?

Accepted Answer

Net profit by quarter: ₹34.4 crore in Q3 FY26, ₹40.1 crore in Q4 FY26, ₹41.3 crore in Q1 FY27 and ₹45.6 crore in Q2 FY27. That is ₹161 crore over the four quarters, up 19.4% from ₹135 crore in the four quarters before. Net interest income: ₹119 crore, ₹121 crore, ₹134 crore and ₹136 crore.

Question 12

When will Capital Small Finance Bank announce its Q3 FY27 results?

Accepted Answer

Q3 FY27 covers October–December 2026. Listed companies must publish quarterly results within 45 days of the quarter's end (SEBI listing rules, Regulation 33), so the results are due by 14 February 2027. The company tells the exchanges the date of the board meeting at least two working days before it.

Question 13

Where do these Capital Small Finance Bank figures come from?

Accepted Answer

From Capital Small Finance Bank's own standalone results filings to NSE, in ₹ crore as filed (Q2 FY27 on 29 October 2026). Growth compares the same standalone figures a year and a quarter earlier.

Interest income
	242	229	216	213	203	195	186	186	178	168	158	161
	35.3	34.7	33.4	33.4	32.6	31.7	31.3	31.3	30.2	30.0	29.8	29.3
	23.2	24.1	23.3	25.4	20.5	20.0	14.2	16.7	14.5	19.6	15.5	13.2
	0.8	0.8	0.8	0.7	0.5	0.5	0.4	0.7	0.4	0.4	0.4	0.6
	301	288	273	272	256	247	231	235	224	218	204	204
	165	155	152	153	145	137	128	128	123	119	117	117
	136	134	121	119	112	110	103	107	101	99.1	86.7	—
	30.1	26.1	25.8	26.5	23.1	22.9	25.6	18.2	25.7	16.6	20.5	18.3
	331	314	299	298	280	270	257	253	249	235	225	222
Operating
	54.2	50.9	46.4	50.1	42.9	42.9	38.4	37.1	37.4	35.7	31.1	32.1
	47.2	44.3	40.2	44.0	41.3	38.4	43.4	40.4	41.0	37.4	36.7	33.6
	101	95.3	86.6	94.1	84.1	81.3	81.8	77.5	78.4	73.1	67.8	65.7
	64.9	64.4	59.8	51.7	50.7	51.4	46.8	47.8	48.2	42.6	39.5	40.1
	3.0	9.4	5.8	5.8	4.3	8.8	1.9	2.2	3.9	2.4	1.8	1.6
Profit
	61.9	55.0	54.0	45.9	46.4	42.5	45.0	45.6	44.3	40.2	37.6	38.5
	16.3	13.7	14.0	11.5	11.5	10.5	10.8	11.6	11.0	10.2	9.4	9.5
	45.6	41.3	40.1	34.4	34.9	32.0	34.2	34.1	33.3	30.0	28.2	28.9
	45.6	41.3	40.1	34.4	34.9	32.0	34.2	34.1	33.3	30.0	28.2	28.9
Per share
	₹10.03	₹9.09	₹8.82	₹7.60	₹7.70	₹7.08	₹7.57	₹7.55	₹7.41	₹6.66	₹6.88	₹7.92
	₹9.98	₹9.06	₹8.79	₹7.58	₹7.67	₹7.05	₹7.53	₹7.54	₹7.35	₹6.62	₹6.87	₹7.86
	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	—
Profit build-up — alternate / pre-Ind-AS tags
	—	—	—	—	26.1	—	—	—	—	—	—	—
Per share — as-filed variants
	₹10.03	₹9.09	₹8.82	₹7.60	₹7.70	₹7.08	₹7.57	₹7.55	₹7.41	₹6.66	₹6.88	₹7.92
	₹9.98	₹9.06	₹8.79	₹7.58	₹7.67	₹7.05	₹7.53	₹7.54	₹7.35	₹6.62	₹6.87	₹7.86
Regulatory disclosures — filed alongside, not part of the P&L
	12.4	—	4.2	—	9.9	—	5.1	—	—	—	—	—

In ₹ Crore except Per Share 3 Months Ending	Q3 FY24 31/12/2023	Q4 FY24 31/03/2024	Q1 FY25 30/06/2024	Q2 FY25 30/09/2024	Q3 FY25 31/12/2024	Q4 FY25 31/03/2025	Q1 FY26 30/06/2025	Q2 FY26 30/09/2025	Q3 FY26 31/12/2025	Q4 FY26 31/03/2026	Q1 FY27 30/06/2026	Q2 FY27 30/09/2026
Interest Income
+ Interest on Advances / Bills	161.0	158.4	168.5	178.5	186.2	185.5	194.9	202.9	212.6	215.8	228.6	241.5
+ Income on Investments	29.3	29.8	30.0	30.2	31.3	31.3	31.7	32.6	33.4	33.4	34.7	35.3
+ Interest on RBI / Interbank	13.2	15.5	19.6	14.5	16.7	14.2	20.0	20.5	25.4	23.3	24.1	23.2
+ Other Interest	0.6	0.4	0.4	0.4	0.7	0.4	0.5	0.5	0.7	0.8	0.8	0.8
Interest Earned	204.2	204.2	218.5	223.6	235.0	231.5	247.1	256.5	271.9	273.1	288.2	300.8
Interest Expended	116.7	117.5	119.4	122.7	127.9	128.4	137.3	144.8	152.6	152.5	154.7	164.7
Net Interest Income	—	86.7	99.1	100.9	107.1	103.1	109.8	111.6	119.3	120.7	133.5	136.2
Other Income	18.3	20.5	16.6	25.7	18.2	25.6	22.9	23.1	26.5	25.8	26.1	30.1
Total Income	222.5	224.7	235.1	249.3	253.1	257.0	270.0	279.6	298.4	298.9	314.3	331.0
Operating
+ Employee Cost	32.1	31.1	35.7	37.4	37.1	38.4	42.9	42.9	50.1	46.4	50.9	54.2
+ Other Operating Expenses	33.6	36.7	37.4	41.0	40.4	43.4	38.4	41.3	44.0	40.2	44.3	47.2
Operating Expenses	65.7	67.8	73.1	78.4	77.5	81.8	81.3	84.1	94.1	86.6	95.3	101.4
Operating Profit (PPOP)	40.1	39.5	42.6	48.2	47.8	46.8	51.4	50.7	51.7	59.8	64.4	64.9
Provisions & Contingencies	1.6	1.8	2.4	3.9	2.2	1.9	8.8	4.3	5.8	5.8	9.4	3.0
Profit
Pretax Income	38.5	37.6	40.2	44.3	45.6	45.0	42.5	46.4	45.9	54.0	55.0	61.9
Tax Expense	9.5	9.4	10.2	11.0	11.6	10.8	10.5	11.5	11.5	14.0	13.7	16.3
Net Income	28.9	28.2	30.0	33.3	34.1	34.2	32.0	34.9	34.4	40.1	41.3	45.6
Net Income to Common	28.9	28.2	30.0	33.3	34.1	34.2	32.0	34.9	34.4	40.1	41.3	45.6
Per Share
Basic EPS	7.92	6.88	6.66	7.41	7.55	7.57	7.08	7.70	7.60	8.82	9.09	10.03
Diluted EPS	7.86	6.87	6.62	7.35	7.54	7.53	7.05	7.67	7.58	8.79	9.06	9.98
Book Value per Share	—	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Profit Build-up — Alternate / Pre-Ind-AS Tags
+ Adjustments to Profit / (Loss)	—	—	—	—	—	—	—	26.1	—	—	—	—
Per Share — as-filed variants
Basic EPS before Extraordinary Items	7.92	6.88	6.66	7.41	7.55	7.57	7.08	7.70	7.60	8.82	9.09	10.03
Diluted EPS before Extraordinary Items	7.86	6.87	6.62	7.35	7.54	7.53	7.05	7.67	7.58	8.79	9.06	9.98
Regulatory Disclosures — filed alongside, not part of the P&L
Related-party Transactions — During the Period	—	—	—	—	—	5.1	—	9.9	—	4.2	—	12.4
Other Filed Concepts — mapped but not yet placed in the schedule
At1 Ratio	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.18
Cet1 Ratio	0.20	0.23	0.22	0.22	0.22	0.22	0.21	0.21	0.19	0.20	0.19	0.21
Expenditure Ex Provisions	182.4	185.3	192.5	201.1	205.3	210.2	218.6	228.9	246.7	239.1	250.0	266.0
Face Value	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00
Filed Roa	0.00	0.00	0.00	0.00	0.00	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Gnpa Pct	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.02	0.02
Gross Npa	170.0	170.2	171.9	175.3	182.3	185.3	204.2	213.3	218.9	220.4	224.4	230.6
Net Npa	86.5	85.1	85.0	85.4	90.6	91.8	101.8	107.5	108.4	106.0	102.1	107.9
Nnpa Pct	0.02	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Paid Up Equity Capital	35.4	45.0	45.0	45.1	45.3	45.3	45.3	45.3	45.4	45.4	45.5	45.5
Pat Ordinary	28.9	28.2	30.0	33.3	34.1	34.2	32.0	34.9	34.4	40.1	41.3	45.6
Pbt Before Exceptional	—	—	—	—	—	—	—	88.9	—	—	—	—

Capital Small Finance Bank quarterly results

Every quarter

Capital Small Finance Bank Limited

Capital Small Finance Bank Q2 FY27 results (July–September 2026)

Q2 FY27 at a glance · standalone

Questions