Key Financial Performance (Q1 FY27 vs Q1 FY26)

  • Profit After Tax: ₹41 Crores, up 29% YoY (from ₹32 Crores)
  • Net Interest Income: ₹134 Crores, up 22% YoY (from ₹110 Crores)
  • Non-Interest Income: ₹26 Crores, up 13% YoY (from ₹23 Crores)
  • Pre-Provision Operating Profit (PPOP): ₹65 Crores, up 23% YoY (from ₹53 Crores)
  • Provisions & Contingencies: ₹23 Crores, up 15% YoY (from ₹20 Crores)

Balance Sheet & Business Growth (As of June 30, 2026)

  • Total Deposits: ₹10,596 Crores, up 16% YoY (from ₹9,110 Crores) and 5.8% QoQ (from ₹10,018 Crores in Q4 FY26)
  • Total Advances: ₹9,074 Crores (Book: ₹8,952 Crores), up 22% YoY (from ₹7,334 Crores) and 4.5% QoQ
  • Disbursements: ₹1,009 Crores in Q1 FY27, up 17% YoY (from ₹865 Crores)
  • Shareholder's Funds: ₹1,488 Crores, up 8% YoY (from ₹1,376 Crores)

Asset Quality & Ratios

  • Gross NPA (GNPA): 2.47% (Improved from 2.75% in Q1 FY26 and 2.54% in Q4 FY26)
  • Net NPA (NNPA): 1.14% (Improved from 1.39% in Q1 FY26 and 1.24% in Q4 FY26)
  • Provision Coverage Ratio (PCR): 54.51% (Improved from 51.89% in Q4 FY26)
  • Credit Cost: 0.31% (0.37% in Q1 FY26)
  • Net Interest Margin (NIM): 4.21% (4.06% in both Q1 FY26 and Q4 FY26)
  • Return on Assets (RoA): 1.30% (1.18% in Q1 FY26)
  • Return on Equity (RoE): 11.20% (9.43% in Q1 FY26)
  • Cost of Deposits: 5.60% (5.90% in Q1 FY26, 5.75% in Q4 FY26)
  • CASA Ratio: 36.7% of Total Deposits (35.9% in Q1 FY26, 34.7% in Q4 FY26)
  • Capital Adequacy Ratio (CRAR): 21.6% (22.3% in Q4 FY26)
  • Cost to Income Ratio: 59.5% (60.6% in Q1 FY26, 58.2% in Q4 FY26)

Portfolio & Operational Highlights

  • The advance portfolio is 97.4% secured with zero direct microfinance exposure.
  • The MSME/Business segment was the key growth driver, expanding 11% QoQ and 49% YoY.
  • The Average Ticket Size (ATS) for loans is ₹19.04 lakhs (₹16.59 lakhs in Q1 FY26).
  • The bank has a retail-focused liability franchise with over 90% retail deposits.
  • The share of advances from outside the home state increased to 25% (from 23% in Q1 FY26).
  • The bank operates 216 branches across 5 states and 2 union territories.

Conference Call Details

  • The earnings conference call was held on July 24, 2026, from 11:00 a.m. to 12:08 p.m.
  • The audio recording and investor presentation have been made available on the bank's website at https://www.capital.bank.in/investors/financial-results.
  • A transcript of the call will be made available on the same link within prescribed timelines.

Management & Governance

  • The document was signed by Amit Sharma, Company Secretary & Compliance Officer (Membership No. F10888).
  • The presentation highlights the experience of the management team, including MD & CEO Sarvjit Singh Samra (38+ years experience) and the seasoned Board of Directors.