INTEGRATED FILING — BANKING



General information about company

Scrip code 544120
NSE Symbol CAPITALSFB
MSEI Symbol NOTLISTED
ISIN INE646H01017
Name of bank CAPITAL SMALL FINANCE BANK LIMITED
Class of security Equity
Date of start of financial year 01-Apr-2025
Date of end of financial year 31-Mar-2026
Date of board meeting when results were approved 24-Jul-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 24-Jul-2025   14:00:00
End date and time of board meeting 24-Jul-2025   16:55:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Whether the company has any related party?
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure?
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure.
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)?
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company?
Latest Date on which RPT policy is updated
Indicate Company website link for updated RPT policy of the Company
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? No
Not Applicable


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025
B Date of end of reporting period 30-Jun-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 1949100000 1949100000
Income on investments 316600000 316600000
Interest on balances with reserve bank of India and other inter bank funds 200400000 200400000
Others 4700000 4700000
Total interest earned 2470800000 2470800000
2 Other income 228800000 228800000
3 Total income 2699600000 2699600000
Expenses
4 Interest expenses 1372900000 1372900000
5 Operating expenses
(i) Employees cost 429400000 429400000
(ii) Details of other operating expenses
Description of other operating expenses
1 Rent, Taxes and Lighting 85300000 85300000
2 Printing and Stationery 5200000 5200000
3 Advertisement and Publicity 6500000 6500000
4 Depreciation on Bank's property 44100000 44100000
5 Directors' Fees, Allowances & Expenses 3600000 3600000
6 Auditors' Fees and Expenses 4100000 4100000
7 Postage, Telegrams, Telephones etc. 13600000 13600000
8 Repairs and Maintenance 19000000 19000000
9 Insurance 26300000 26300000
10 Law Charges & Other expenditure 176100000 176100000
Total other operating Expenses 383800000 383800000
Total Operating Expenses 813200000 813200000
6 Total expenditure excluding provisions and contingencies 2186100000 2186100000
7 Operating profit before provision and contingencies 513500000 513500000
8 Provisions other than tax and contingencies 88400000 88400000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 425100000 425100000
11 Provision for Tax 105000000 105000000
12 Net profit (loss) from ordinary activities after tax 320100000 320100000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 320100000 320100000
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 320100000 320100000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 452500000 452500000
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year)
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 21.11 21.11
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 7.08 7.08
Diluted earnings per share before extraordinary items 7.05 7.05
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 7.08 7.08
Diluted earnings per share after extraordinary items 7.05 7.05
(iv) NPA Ratios
Amount of gross non-performing assets 2042400000 2042400000
Amount of net non-performing assets 1017800000 1017800000
% of gross NPAs 2.74 2.74
% of net NPAs 1.39 1.39
Return on assets 1.18 1.18
21 Disclosure of notes on financial results by banks


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2025
Date of end of reporting period 30-Jun-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury 526200000 526200000
2 Retail Banking 2293200000 2293200000
3 Wholesale Banking 282600000 282600000
4 Other Banking Operations 102700000 102700000
Total Segment Revenue 3204700000 3204700000
Less: Inter segment revenue 505100000
Income from operations 2699600000 2699600000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury 48200000 48200000
2 Retail Banking 547400000 547400000
3 Wholesale Banking -46700000 -46700000
4 Other Banking Operations 94300000 94300000
Total Profit before tax 643200000 643200000
i. Finance cost 63100000
ii. Other Unallocable Expenditure net off Unallocable income 155000000
Profit before tax 425100000 425100000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury 30532100000 30532100000
2 Retail Banking 68321300000 68321300000
3 Wholesale Banking 11604000000 11604000000
4 Other Banking Operations 94200000 94200000
5 Treasury 30532100000 30532100000
6 Retail Banking 68321300000 68321300000
7 Wholesale Banking 11604000000 11604000000
8 Other Banking Operations 94200000 94200000
Total Segment Assets 110551600000 110551600000
Un-allocable Assets 582000000 582000000
Net Segment Assets 111133600000 111133600000
4 Segment Liabilities
Segment Liabilities
1 Treasury 0 0
2 Retail Banking 84819100000 84819100000
3 Wholesale Banking 9711600000 9711600000
4 Other Banking Operations 0 0
5 Treasury 0 0
6 Retail Banking 84819100000 84819100000
7 Wholesale Banking 9711600000 9711600000
8 Other Banking Operations 0 0
Total Segment Liabilities 94530700000 94530700000
Un-allocable Liabilities 2840700000 2840700000
Net Segment Liabilities 97371400000 97371400000
Disclosure of notes on segments






Details of Impact of Audit Qualification
Whether results are audited or unaudited Unaudited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 M/s S C V & Co. LLP Yes 28-Feb-2027