Meeting Details

The 27th Annual General Meeting of Capital Small Finance Bank Limited was held on Thursday, June 25, 2026, commencing at 04:00 P.M. (IST) and concluding at 04:34 P.M. (IST). The meeting was held through Video Conferencing/Other Audio-Visual Means (VC/OAVM) and was deemed to be held at the Registered Office of the Bank at MIDAS Corporate Park, 3rd Floor, 37, G.T Road, Jalandhar – 144001, Punjab.

Attendees

The meeting was chaired by Mr. Navin Kumar Maini, Part-Time Chairman of the Board. The following individuals were present through VC/OAVM:

  • Directors: Mr. Navin Kumar Maini, Mr. Sarvjit Singh Samra (MD & CEO), Mr. Munish Jain, Mr. Bhavdeep Sardana, Mr. Gurpreet Singh Chug, Ms. Rachna Dikshit, Mr. Nageswara Rao Yalamanchili, Mr. Kamaldeep Singh Sangha, Mr. Sukhen Pal Babuta.
  • Key Managerial Personnel: Mr. Aseem Mahajan (CFO), Mr. Amit Sharma (Company Secretary & Compliance Officer).
  • Auditors & Scrutinizer: Mr. Sunny Singh (Statutory Auditor, SCV & Co. LLP), Mr. Deepak Arora (Secretarial Auditor, Deepak Arora & Associates), Mr. Bunny Sehgal (Scrutinizer, B. Sehgal & Associates).

Summary of Proceedings and Resolutions

The Notice convening the AGM and the Directors' Report were taken as read. The following items of business were transacted:

Ordinary Business

1. To receive, consider and adopt the Audited Financial Statements of the Bank for the financial year ended March 31, 2026, together with the schedules and annexures thereto, and the reports of the Board of Directors and Auditors thereon.

2. To declare a Final Dividend on Equity Shares of the Bank for the financial year ended March 31, 2026.

3. To re-appoint Mr. Balbir Singh (DIN: 02284941), a Nominee Director who retires by rotation and, being eligible, offers himself for re-appointment.

4. To appoint and fix the remuneration of the Statutory Auditors of the Bank.

Special Business

5. To approve the remuneration of Mr. Sarvjit Singh Samra (DIN: 00477444), Managing Director & Chief Executive Officer, with effect from April 01, 2026.

6. To approve the remuneration of Mr. Munish Jain, Whole Time Director designated as Executive Director with effect from April 01, 2026.

7. To approve the remuneration of Non–Executive Directors.

Voting Process

The Bank provided a remote e-voting facility through MUFG Intime India Private Limited. The voting period was from June 22, 2026 (09:00 A.M.) to June 24, 2026 (05:00 P.M.). The cut-off date for determining members eligible to vote was Thursday, June 18, 2026. A facility for 'Venue Voting' was also provided during the AGM itself, which remained open for one hour after the meeting concluded. The combined results of the e-voting and the Scrutinizer's report will be submitted to the stock exchanges in compliance with Regulation 44 of the SEBI Listing Regulations at a later date.

Financial and Operational Highlights Presented

Management presented key performance highlights for FY 2025-26 during the meeting:

  • Loan Book: Gross advances stood at ₹8,687 crore, registering ~21% year-on-year growth. Gross NPA was ~2.5% and Net NPA was ~1.2%. ~98% of the loan book is secured.
  • Liability Profile: Total deposits crossed ₹10,000 crore, standing at ₹10,018 crore with 20% YoY growth. Deposits constituted 94% of outside liabilities. CASA ratio was stable at 34.7%. The cost of deposits was 5.9% and the overall cost of funds was 6.0%.
  • Profitability: Profit After Tax was ₹141 crores (26% CAGR). Pre-provision operating profit (PPOP) stood at ₹223 crore (19% growth). Net Interest Margin (NIM) was 4.04%. Return on Assets (RoA) was 1.23%.
  • Network: The branch network expanded to 211 branches across 5 states and 2 Union Territories, with 77.3% located in semi-urban and rural (SURU) areas.
  • Capital: Capital Adequacy Ratio (CAR) stood at 22.3% as of March 31, 2026. The average Liquidity Coverage Ratio (LCR) for Q4FY26 was 211%.

Vision 2029

Management outlined Vision 2029, which includes medium-term ambitions to:

  • Scale advances to over ₹16,000 crore.
  • Expand the branch network to more than 300 outlets.
  • Improve profitability with RoA exceeding 1.6% and RoE above 15%.
  • Maintain a conservative risk profile with Net NPAs below 1% and credit costs under 0.3%.

Compliance and Scrutinizer

Mr. Bunny Sehgal, Proprietor of B. Sehgal and Associates (Membership No.: F11407, COP No.: 15161), was appointed as the Scrutinizer to conduct the e-voting process in a fair and transparent manner. He was present at the meeting. The voting results and his report will be disseminated to the stock exchanges and placed on the Bank's website.

Shareholder Interaction

Members were provided with a facility to ask questions. Shareholders raised queries relating to the business, operations, and future plans of the Bank, which were addressed by Mr. Sarvjit Singh Samra, MD & CEO.

Note

The document explicitly states that it does not constitute the minutes of the meeting and that the voting results will be submitted separately.