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 |
01-04-2026 |
| Date of end of financial year |
31-03-2027 |
| Date of board meeting when results were approved |
23-07-2026 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
13-07-2026 |
| Description of presentation currency |
INR |
| Level of rounding used in financial results |
Lakhs |
| 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 |
23-07-2026
10:00:00 |
| End date and time of board meeting |
23-07-2026 15:50:00
|
| 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 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
Amount in (Lakhs)
| 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 |
01-04-2026 |
01-04-2026 |
| B |
Date of end of reporting period |
30-06-2026 |
30-06-2026 |
| 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 |
22,860.00 |
22,860.00 |
|
Income on investments |
3,468.00 |
3,468.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
2,411.00 |
2,411.00 |
|
Others |
79.00 |
79.00 |
|
Total interest earned |
28,818.00 |
28,818.00 |
| 2 |
Other income |
2,612.00 |
2,612.00 |
| 3 |
Total income |
31,430.00 |
31,430.00 |
|
Expenses
|
| 4 |
Interest expenses |
15,467.00 |
15,467.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
5,094.00 |
5,094.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Rent, Taxes and Lighting |
1,000.00 |
1,000.00 |
| 2 |
Printing and Stationery |
107.00 |
107.00 |
| 3 |
Advertisement and Publicity |
46.00 |
46.00 |
| 4 |
Depreciation on Bank's property |
489.00 |
489.00 |
| 5 |
Directors' Fees, Allowances & Expenses |
27.00 |
27.00 |
| 6 |
Auditors' Fees and Expenses |
45.00 |
45.00 |
| 7 |
Postage, Telegrams, Telephones etc. |
206.00 |
206.00 |
| 8 |
Repairs and Maintenance |
336.00 |
336.00 |
| 9 |
Insurance |
194.00 |
194.00 |
| 10 |
Law Charges & Other expenditure |
1,984.00 |
1,984.00 |
|
Total other operating Expenses |
4,434.00 |
4,434.00 |
|
Total Operating Expenses |
9,528.00 |
9,528.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 24,995.00 |
24,995.00 |
| 7 |
Operating profit before provision and contingencies |
6,435.00 |
6,435.00 |
| 8 |
Provisions other than tax and contingencies |
935.00 |
935.00 |
| 9 |
Exceptional items |
0.00 |
0.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| 5,500.00 |
5,500.00 |
| 11 |
Provision for Tax |
1,370.00 |
1,370.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
4,130.00 |
4,130.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
4,130.00 |
4,130.00 |
| 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
| 4,130.00 |
4,130.00 |
|
| 18 |
Details of equity share capital [Abstract]
|
|
Paid-up equity share capital
| 4,547.00 |
4,547.00 |
|
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 |
19.1700 |
19.1700 |
|
| Additional Tier 1 ratio |
0 |
0 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 9.09 |
9.09 |
|
Diluted earnings per share before extraordinary items
| 9.06 |
9.06 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 9.09 |
9.09 |
|
Diluted earnings per share after extraordinary items
| 9.06 |
9.06 |
| (iv) |
NPA Ratios
|
|
| Amount of gross non-performing assets
| 22,438.00 |
22,438.00 |
|
Amount of net non-performing assets
| 10,206.00 |
10,206.00 |
|
% of gross NPAs |
2.4700 |
2.4700 |
|
% of net NPAs
| 1.1400 |
1.1400 |
|
Return on assets
| 1.300 |
1.300 |
| 21 |
Disclosure of notes on financial results by banks
| |
Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Amount in (Lakhs)
| 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 |
01-04-2026 |
01-04-2026 |
| Date of end of reporting period |
30-06-2026 |
30-06-2026 |
| 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 |
5,977.00 |
5,977.00 |
| 2 |
Retail Banking |
26,335.00 |
26,335.00 |
| 3 |
Wholesale Banking |
3,816.00 |
3,816.00 |
| 4 |
Other Banking Operations |
1,111.00 |
1,111.00 |
|
| Total Segment Revenue
| 37,239.00 |
37,239.00 |
|
Less: Inter segment revenue |
5,809.00 |
5,809.00 |
|
Income from operations |
31,430.00 |
31,430.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury |
724.00 |
724.00 |
| 2 |
Retail Banking |
5,944.00 |
5,944.00 |
| 3 |
Wholesale Banking |
340.00 |
340.00 |
| 4 |
Other Banking Operations |
1,012.00 |
1,012.00 |
|
Total Profit before tax |
8,020.00 |
8,020.00 |
|
i. Finance cost |
485.00 |
485.00 |
|
ii. Other Unallocable Expenditure net off Unallocable income
|
2,035.00 |
2,035.00 |
|
Profit before tax |
5,500.00 |
5,500.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury |
3,28,223.00 |
3,28,223.00 |
| 2 |
Retail Banking |
8,08,348.00 |
8,08,348.00 |
| 3 |
Wholesale Banking |
1,51,013.00 |
1,51,013.00 |
| 4 |
Other Banking Operations |
890.00 |
890.00 |
|
Total Segment Assets |
12,88,474.00 |
12,88,474.00 |
|
Un-allocable Assets |
6,423.00 |
6,423.00 |
|
Net Segment Assets |
12,94,897.00 |
12,94,897.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury |
0.00 |
0.00 |
| 2 |
Retail Banking |
10,24,497.00 |
10,24,497.00 |
| 3 |
Wholesale Banking |
96,656.00 |
96,656.00 |
| 4 |
Other Banking Operations |
6.00 |
6.00 |
| |
Total Segment Liabilities |
11,21,159.00 |
11,21,159.00 |
| |
Un-allocable Liabilities |
24,906.00 |
24,906.00 |
|
Net Segment Liabilities |
11,46,065.00 |
11,46,065.00 |
|
Disclosure of notes on segments |
|
Details of Impact of Audit Qualification
Amount in (Lakhs)
| 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 |
GSA & Asociates LLP |
Yes |
28-02-2027 |