| ₹ crore | Q2 FY27 | Q2 FY26 | Change |
|---|---|---|---|
| Total income | 1,612 | 1,458 | +10.6% |
| Net interest income | 510 | 424 | +20.4% |
| Operating profit | 276 | 279 | −1.3% |
| Net profit | 183 | 160 | +14.0% |
| EPS | ₹10.53 | ₹9.24 | +14.0% |
Amounts on the left scale in ₹ crore; per cent on the right, dashed. L = lakh crore, K = thousand crore. Touch the chart to read any period.
| Tap a line for its trend | Currentlast 12M | FY26Mar 2026 | FY25Mar 2025 | FY24Mar 2024 | FY23Mar 2023 | FY22 and earlierAlpha Plus |
|---|
| 5,338 | — | — | — | — | FY22 and earlierEvery year the company has filed comes with Alpha Plus. | |
| 4,981 | 4,505 | 3,597 | 2,928 | 2,320 | ||
| — | +25.2% | +22.9% | +26.2% | — | ||
| 1,906 | 1,720 | 1,476 | 1,476 | 1,334 | ||
| — | +16.5% | −0.0% | +10.7% | — | ||
| 3.3% | 3.3% | 3.5% | 4.5% | 4.6% | ||
| 1,112 | 1,085 | 910 | 780 | — | ||
| 687 | 633 | 594 | 567 | 547 | ||
| — | +6.6% | +4.8% | +3.6% | — | ||
| ₹39.59 | ₹36.49 | ₹34.22 | ₹32.66 | ₹31.54 | ||
| — | +6.6% | +4.8% | +3.6% | — | ||
| 13.5% | 13.5% | 14.3% | 16.2% | 17.1% | ||
Balance sheet & asset quality | ||||||
| 46,889 | 44,246 | 36,861 | 29,719 | 24,506 | ||
| 41,852 | 39,848 | 31,507 | 24,336 | 20,651 | ||
| — | 1.7% | 1.6% | 1.5% | — | ||
| — | 0.4% | 0.5% | 0.5% | 3,500.0% | ||
From the company's filings with NSE and BSE (Ind-AS), standalone. For information only, not investment advice.
In ₹ Crore except Per Share 12 Months Ending | FY23 31/03/2023 | FY24 31/03/2024 | FY25 31/03/2025 | FY26 31/03/2026 | Current/LTM TTM · last close | |
|---|---|---|---|---|---|---|
| Market Capitalization | — | — | — | — | 5,338.1 | |
| Interest Earned | 2,319.7 | 2,927.5 | 3,597.1 | 4,505.2 | 4,981.4 | |
| Growth %, YoY | — | +26.2 | +22.9 | +25.2 | — | |
| Net Interest Income | 1,333.8 | 1,476.4 | 1,476.2 | 1,720.3 | 1,905.9 | |
| Growth %, YoY | — | +10.7 | -0.0 | +16.5 | — | |
| NIM %, on assets | 4.57 | 4.53 | 3.52 | 3.26 | 3.26 | |
| Operating Profit (PPOP) | — | 779.9 | 910.2 | 1,085.4 | 1,112.3 | |
| Net Income | 547.4 | 566.8 | 593.8 | 633.2 | 687.0 | |
| Growth %, YoY | — | +3.6 | +4.8 | +6.6 | — | |
| EPS, Adj (current shares) | 31.54 | 32.66 | 34.22 | 36.49 | 39.59 | |
| Growth %, YoY | — | +3.6 | +4.8 | +6.6 | — | |
| ROE % | 17.09 | 16.18 | 14.31 | 13.48 | 13.48 | |
| Balance Sheet & Asset Quality | ||||||
| Deposits | 24,505.8 | 29,718.8 | 36,861.5 | 44,245.9 | 46,889.2 | |
| Advances | 20,650.6 | 24,335.6 | 31,507.1 | 39,847.8 | 41,851.6 | |
| Gross NPA % | — | 1.47 | 1.57 | 1.66 | — | |
| Net NPA % | 3,500.00 | 0.51 | 0.52 | 0.40 | — | |
Prices at the previous close · figures from the company's filings with NSE
CSB Bank (NSE: CSBBANK) had a market capitalisation of ₹5,338 crore at the previous close (₹307.60 a share), a PE ratio of 7.8 on the last four quarters' profit and a price-to-book ratio of 1.03. In FY26 its standalone net profit was ₹633 crore on net interest income of ₹1,720 crore; in Q2 FY27 (July–September 2026) it was ₹183 crore, up 14.0% year on year. Gross NPAs were 1.58% of advances on 30 September 2026. Promoters held 40.00% of the shares on 30 September 2026.
CSB Bank's PE ratio is 7.8 at the previous close (₹307.60 a share): a market capitalisation of ₹5,338 crore divided by consolidated net profit of ₹687 crore over the last four quarters (Q3 FY26 to Q2 FY27). On FY26 net profit (₹633 crore) it is 8.4.
CSB Bank's net worth — shareholders' equity in its consolidated balance sheet — was ₹5,206 crore on 30 September 2026, up 10.8% from ₹4,700 crore a year earlier. Its market value is a different figure: a market capitalisation of ₹5,338 crore at the previous close.
CSB Bank's book value per share was ₹300.02 on 30 September 2026: shareholders' equity of ₹5,206 crore divided by the 17.35 crore shares in issue, up 10.8% from ₹270.85 a year earlier. The share price at the previous close was ₹307.60.
CSB Bank's price-to-book (PB) ratio is 1.03 at the previous close: a market capitalisation of ₹5,338 crore divided by shareholders' equity (book value) of ₹5,206 crore on 30 September 2026. That is a book value of ₹300.02 per share against a share price of ₹307.60.
In FY26, CSB Bank's return on equity (ROE) was 13.5%. ROE is net profit divided by average shareholders' equity (the start and end of the year). In FY25, ROE was 14.3%.
CSB Bank's gross non-performing assets (NPAs) were ₹671 crore, 1.58% of gross advances, on 30 September 2026 (1.81% a year earlier). Net NPAs were 0.33% of net advances (0.52% a year earlier).
CSB Bank's market capitalisation was ₹5,338 crore at the previous close: 17.35 crore shares at ₹307.60 each.
CSB Bank's basic earnings per share (EPS) were ₹36.50 in FY26, against ₹34.23 in FY25. Over the last four quarters (Q3 FY26 to Q2 FY27) they add up to ₹39.60.
CSB Bank's common equity tier 1 (CET1) ratio was 18.54% on 30 September 2026.
CSB Bank's credit-deposit ratio was 89.3% on 30 September 2026: advances divided by deposits, from its standalone balance sheet.
On 30 September 2026, CSB Bank's deposits were ₹46,889 crore, up 18.3% from a year earlier, and its advances (loans) were ₹41,852 crore, up 22.2% from a year earlier.
Promoters held 40.00% of CSB Bank on 30 September 2026, unchanged from both the previous quarter and a year earlier, according to the shareholding pattern filed with NSE.
On 30 September 2026, CSB Bank's shares were held by promoters 40.00%, foreign portfolio investors (FII/FPI) 12.33%, domestic institutions (DII) 15.69% (including mutual funds at 13.15%) and retail and other non-institutional investors 29.94%. Over the year, FII holding was down 1.90 percentage points from 14.23% and DII holding was down 0.41 percentage points from 16.10%.
CSB Bank's latest results are for Q2 FY27 (July–September 2026), filed on 23 October 2026: standalone net profit ₹183 crore, up 14.0% from ₹160 crore in Q2 FY26; net interest income ₹510 crore, up 20.4% year on year.
In FY26 (April 2025–March 2026), CSB Bank's standalone net profit was ₹633 crore, up 6.6% from ₹594 crore in FY25, on net interest income of ₹1,720 crore (up 16.5%). Over three years, from FY23, net profit was up 15.7%.
CSB Bank has reported Q2 FY27. Its next results, for Q3 FY27 (October–December 2026), are due by 14 February 2027 under SEBI's 45-day rule; the company notifies the board-meeting date at least two working days before.
On FY26 consolidated figures, against South Indian Bank, City Union Bank and Federal Bank: CSB Bank's return on equity of 13.5% is the second highest of the four (South Indian Bank 13.5%, City Union Bank 13.2%, Federal Bank 11.4%; peer average 12.7%); its return on assets of 1.20% is the second highest of the four (South Indian Bank 1.09%, City Union Bank 1.52%, Federal Bank 1.18%; peer average 1.26%); its gross NPA ratio of 1.66% is the second highest of the four (South Indian Bank 1.43%, City Union Bank 1.91%, Federal Bank 1.62%; peer average 1.65%).
In FY26, CSB Bank earned net profit of ₹633 crore, against ₹1,456 crore for South Indian Bank. CSB Bank's return on equity was 13.5% (South Indian Bank 13.5%) and its gross NPA ratio 1.66% (South Indian Bank 1.43%).
From CSB Bank's own consolidated results, balance sheets and shareholding patterns filed with NSE. Ratios are calculated by Alphave from those filings as each answer describes.
Consolidated figures from the company's filings with NSE; prices are NSE closing prices.