5428672026-01-012026-03-315428672026-03-315428672025-03-315428672025-04-012026-03-315428672026-01-012026-03-31in-capmkt:OtherOperatingExpenses1Member5428672025-04-012026-03-31in-capmkt:OtherOperatingExpenses1Member5428672026-03-31OtherLiabilitiesAndProvisionsDomain15428672026-03-31OtherAssetsDomain15428672026-01-012026-03-31in-capmkt:ReportableSegments1Member5428672026-01-012026-03-31in-capmkt:ReportableSegments2Member5428672026-01-012026-03-31in-capmkt:ReportableSegments3Member5428672026-01-012026-03-31in-capmkt:ReportableSegments4Member5428672025-04-012026-03-31in-capmkt:ReportableSegments1Member5428672025-04-012026-03-31in-capmkt:ReportableSegments2Member5428672025-04-012026-03-31in-capmkt:ReportableSegments3Member5428672025-04-012026-03-31in-capmkt:ReportableSegments4Member5428672026-01-012026-03-31in-capmkt:ReportableSegments1Member5428672026-01-012026-03-31in-capmkt:ReportableSegments2Member5428672026-01-012026-03-31in-capmkt:ReportableSegments3Member5428672026-01-012026-03-31in-capmkt:ReportableSegments4Member5428672025-04-012026-03-31in-capmkt:ReportableSegments1Member5428672025-04-012026-03-31in-capmkt:ReportableSegments2Member5428672025-04-012026-03-31in-capmkt:ReportableSegments3Member5428672025-04-012026-03-31in-capmkt:ReportableSegments4Member5428672026-01-012026-03-31in-capmkt:ReportableSegments1Member5428672026-03-31in-capmkt:ReportableSegments1Member5428672026-01-012026-03-31in-capmkt:ReportableSegments2Member5428672026-03-31in-capmkt:ReportableSegments2Member5428672026-01-012026-03-31in-capmkt:ReportableSegments3Member5428672026-03-31in-capmkt:ReportableSegments3Member5428672026-01-012026-03-31in-capmkt:ReportableSegments4Member5428672026-03-31in-capmkt:ReportableSegments4Member5428672026-01-012026-03-31in-capmkt:ReportableSegments1Member5428672026-03-31in-capmkt:ReportableSegments1Member5428672026-01-012026-03-31in-capmkt:ReportableSegments2Member5428672026-03-31in-capmkt:ReportableSegments2Member5428672026-01-012026-03-31in-capmkt:ReportableSegments3Member5428672026-03-31in-capmkt:ReportableSegments3Member5428672026-01-012026-03-31in-capmkt:ReportableSegments4Member5428672026-03-31in-capmkt:ReportableSegments4Member5428672026-01-012026-03-31RelatedPartyTransactionDomain15428672025-12-31RelatedPartyTransactionDomain15428672026-03-31RelatedPartyTransactionDomain15428672026-01-012026-03-31RelatedPartyTransactionDomain25428672025-12-31RelatedPartyTransactionDomain25428672026-03-31RelatedPartyTransactionDomain25428672026-01-012026-03-31RelatedPartyTransactionDomain35428672025-12-31RelatedPartyTransactionDomain35428672026-03-31RelatedPartyTransactionDomain35428672026-01-012026-03-31RelatedPartyTransactionDomain45428672025-12-31RelatedPartyTransactionDomain45428672026-03-31RelatedPartyTransactionDomain45428672026-01-012026-03-31RelatedPartyTransactionDomain55428672025-12-31RelatedPartyTransactionDomain55428672026-03-31RelatedPartyTransactionDomain55428672026-01-012026-03-31RelatedPartyTransactionDomain65428672025-12-31RelatedPartyTransactionDomain65428672026-03-31RelatedPartyTransactionDomain65428672026-01-012026-03-31RelatedPartyTransactionDomain75428672025-12-31RelatedPartyTransactionDomain75428672026-03-31RelatedPartyTransactionDomain75428672026-01-012026-03-31AuditorDomain15428672026-01-012026-03-31AuditorDomain2iso4217:INRxbrli:pureiso4217:INRxbrli:shares542867CSBBANKNOTLISTEDINE679A01013CSB BANK LIMITEDEquity2025-04-012026-03-312026-05-042026-04-06INRLakhsQuarterlyFourth quarterMulti segment2026-05-0412:40:002026-05-0413:50:00trueCash Flow IndirectDeclaration of unmodified opiniontruetrueYesYesfalsetrue2025-09-26https://www.csb.bank.in/pdf/Annexure-II__Policy_on_dealing_with_Related_Party_Transaction_15072024.pdffalsefalseNo default during the quarter ended March 31, 20262026-01-012026-03-31UnauditedStandalone99596000002011500000244000001310000012008600000306210000015070700000736700000025134000002253600000476700000012134000000293670000023020000002706500000690700000201580000002015800000201580000017354000001000.1893011.6211.6211.6211.62669780000015823000000.01660.0040.0153 The above financial results for the year ended March 31, 2026, have been reviewed by the Audit Committee of the Board and thereafter approved by the Board of Directors of the Bank in their respective meeting held on May 4, 2026. These results have been audited by the joint statutory auditors of the Bank, viz. Walker Chandiok & Co LLP and Sundaram & Srinivasan, Chartered Accountants and an unmodified audit report has been issued. <BR> 4 These financial results have been prepared in accordance with the recognition and measurement principles laid down in Accounting Standards prescribed under Section 133 of the Companies Act, 2013 read with Companies (Accounting Standards) Rules, 2021, the relevant provisions of the Banking Regulation Act, 1949, the circulars, guidelines and directions issued by the Reserve Bank of India (the “RBI"), from time to time ('RBI Guidelines') and other accounting principles generally accepted in India, and is in compliance with the presentation and disclosure requirements of the Regulation 33 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended including relevant circulars issued by the SEBI from time to time. The Bank has applied its significant accounting policies in the preparation of these financial results, consistent with those followed in the annual financial statements for the year ended March 31, 2025. <BR> 5 Other income includes fees earned from providing services to customers, commission from non-fund-based banking activities, earnings from foreign exchange transactions, selling of third-party products, profit on sale of investments (net), income from sale of PSLC etc. <BR> 6 The Capital Adequacy Ratio is computed on the basis of RBI guidelines applicable on the relevant reporting dates and the ratio for the corresponding previous period is not adjusted to consider the impact of subsequent changes if any, in the guidelines. <BR> <BR> 7 The Bank follows the trust route for administering 'CSB Employee Stock Option Scheme, 2019'. During the quarter ended March 31, 2026, the Bank has not issued any equity shares to ‘CSB ESOS Trust’. However, option grantees exercised 90,988 options during the quarter and 1,90,903 options during the financial year ended March 31, 2026. <BR> <BR> 8 "Details of resolution plan implemented under the Resolution Framework for COVID-19-related Stress as per RBI circular dated August 6, 2020 are given below; <BR> " <BR> (Rupees in Lakhs) <BR> Type of Borrower (A) (B) (C ) (D) ( E) <BR> Exposure to accounts classified as standard consequent to implementation of resolution plan-Position as at the end of the previous half year (A) Of (A), aggregate debt that slipped into NPA during the half year Of (A), amount written off during the half year Of (A) amount paid by the borrowers during the half year "Exposure to accounts classified as Standard consequent to implementation of resolution plan – Position as at the <BR> end of the current half year" <BR> Personal Loans 122.12 - - 21.36 109.65 <BR> Corporate Persons - - - - - <BR> of which MSMEs - - - - - <BR> Others - - - - - <BR> Total 122.12 - - 21.36 109.65 <BR> <BR> <BR> 9 Disclosure related to Project Finance for the quarter ended March 31, 2026, as per the Reserve Bank of India (Commercial Banks - Financial Statements: Presentation and Disclosures) Directions, 2025 dated November 28, 2025, is given below; <BR> (Rupees in Lakhs) <BR> Sl. No Item Description Number of accounts Total outstanding <BR> <BR> 1 Projects under implementation accounts at the beginning of the quarter. 6 17,955 <BR> 2 Projects under implementation accounts sanctioned during the quarter. 1 209 <BR> 3 Projects under implementation accounts where DCCO has been achieved/closed during the quarter 1 2,973 <BR> 4 Projects under implementation accounts at the end of the quarter. (1+2-3)* 6 20984** <BR> 5 Out of ‘4’ – accounts in respect of which resolution process involving extension in original/extended DCCO, as the case may be, has been invoked. 4 15,512 <BR> 5.1 Out of ‘5’ – accounts in respect of which Resolution plan has been implemented. 4 15,512 <BR> 5.2 Out of ‘5’ – accounts in respect of which Resolution plan is under implementation. - - <BR> 5.3 Out of ‘5’ – accounts in respect of which Resolution plan has failed. - - <BR> 6 Out of ‘5’, accounts in respect of which resolution process involving extension in original/extended DCCO, as the case may be, has been invoked due to change in scope and size of the project. - - <BR> 7 Out of ‘5’, account in respect of which cost overrun associated with extension in original/extended DCCO, as the case may be, was funded   - - <BR> 7.1 Out of ‘7’, accounts where SBCF was sanctioned during financial closure and renewed continuously   - - <BR> 7.2 Out of ‘7’, accounts where SBCF was not pre-sanctioned or renewed continuously   - - <BR> 8 Out of ‘4’ – accounts in respect of which resolution process not involving extension in original/extended DCCO, as the case may be, has been invoked. - - <BR> 8.1 Out of ‘8’ – accounts in respect of which Resolution plan has been implemented. - - <BR> 8.2 Out of ‘8’ – accounts in respect of which Resolution plan is under implementation. - - <BR> 8.3 Out of ‘8’ – accounts in respect of which Resolution plan has failed. - - <BR> "* In respect of number of accounts <BR> ** Includes movement of Rs 5,793 lakhs during the quarter ended March 31, 2026 in projects under implementation account existing at the beginning of the quarter." <BR> <BR> 10 Details of loans transferred / acquired during the quarter ended March 31, 2026 as per the Reserve Bank of India (Commercial Banks - Financial Statements: Presentation and Disclosures) Directions, 2025 dated November 28, 2025, are given below: <BR> (i) The Bank has not transferred / acquired any loans not in default through assignment of loans. <BR> (ii) The Bank has not transferred / acquired any stressed loans (Non-performing asset or special mention account). <BR> (iii) Details of ratings of Security Receipts (SR) outstanding as on March 31, 2026 are given below: <BR> (Rupees in Lakhs) <BR> Rating Rating Agency Recovery Rating Carrying value <BR> Unrated NA - - <BR> Total - <BR> iv) The Bank has not entered into any co-lending transaction during the quarter. <BR> <BR> 11 The Bank does not have any Subsidiaries/Associates/Joint ventures as on March 31, 2026, hence, disclosure related to Consolidated Financial Statement is not applicable. <BR> 12 On November 21, 2025, the Government of India notified four Labour Codes - the Code on Wages, 2019, the Industrial Relations Code, 2020, the Code on Social Security, 2020, and the Occupational Safety, Health and Working Conditions Code, 2020, collectively referred to as the 'New Labour Codes', consolidating 29 existing labour laws. The Ministry of Labour & Employment has published draft Central Rules and FAQs on December 30, 2025, to facilitate assessment of the financial impact arising from these regulatory changes. Accordingly, the Bank has recognised an estimated incremental impact of Rupees 522 Lakhs under 'Employees cost' in the Profit and Loss Account during the quarter ended December 31, 2025 and year ended March 31, 2026, considering best information available. The Bank continues to monitor the finalisation of Central and State Rules and clarifications from the Government on the New Labour Codes and would provide appropriate accounting effect on the basis of such developments, as needed. <BR> 13 In accordance with RBI guidelines, Banks are required to make Pillar 3 disclosures including leverage ratio, liquidity coverage ratio and net stable funding ratio (NSFR) under the Basel Ill framework. The Bank has made these disclosures which are available on its website at the link: https://www.csb.bank.in/basel-2basel-3-disclosures. These disclosures have not been subjected to audit/review by the Joint Statutory Auditors of the Bank. <BR> 14 The figures of the last quarter in each of the financial year are the balancing figures between audited figures in respect of the full financial year and the published/unaudited year to date figures up to the end of the third quarter of the respective financial year. <BR> 15 Previous period's figures have been regrouped / reclassified, where necessary to conform to current period's classification. <BR> 2025-04-012026-03-31AuditedStandalone370747000007628700000252400000961000004505190000011766000000568179000002784870000093234000008791900000181153000004596400000010853900000234230000008511600000217980000063318000000633180000063318000001735400000104549910000000.1893036.536.536.536.5669780000015823000000.01660.0040.0126Other operating expenses2253600000Other operating expenses8791900000173540000047207400000442459200000715444000001431880000057726520000040166500000801500000119552900000398478400000709810000011167800000577265200000Other liabilities and provisions14318800000Other assets11167800000Treasury1991900000Corporate/Wholesale Banking4154400000Retail Banking8214700000Other Banking Operations709700000Treasury8676200000Corporate/Wholesale Banking15057500000Retail Banking31048300000Other Banking Operations203590000015070700000568179000001507070000056817900000Treasury116500000Corporate/Wholesale Banking512600000Retail Banking1806100000Other Banking Operations269100000Treasury698200000Corporate/Wholesale Banking1009700000Retail Banking6046600000Other Banking Operations76280000027043000008517300000-2200000570000027065000008511600000Treasury123713400000Corporate/Wholesale Banking159804100000Retail Banking292428700000Other Banking Operations574700000576520900000744300000577265200000Treasury40038100000Corporate/Wholesale Banking249928700000Retail Banking238355600000Other Banking Operations052832240000005283224000001. For the above segment reporting, the reportable segments are identified as Treasury, Corporate/ Wholesale Banking, Retail Banking and Other Banking Operations in compliance with the RBI Guidelines. The business operations of the Bank are substantially concentrated in India and for the purpose of Segment Reporting as per Accounting Standard-17, the Bank is considered to operate only in domestic segment. <BR> 2. As per RBI Circular DOR.AUT.REC.12/22.01.001/2022-23 dated April 07, 2022 on establishment of Digital Banking Unit (DBU), for the purpose of disclosure under 'Accounting Standard 17 - Segment Reporting', ‘Digital Banking’ has to be identified as a sub-segment under Retail Banking. Since, the Bank has not established DBU, Digital Banking has not been disclosed as a sub-segment under Retail Banking.851160000001171900000277060000000114700000-76700000057000000398620000000-916897000000785008000000-13188900000-9202700000-69110000000024454000000-313650000000-313650000000000000343000001913700000000000000-60195000000-789890000000-789890000000016081600000000001608160000000160816000005046200000050462000003592180000040968000000CSB BANK LIMITED******Mr. B K Divakara******Key Managerial PersonnelAny other transactionFixed Deposits placed in bankAt Actuals118880001055000011888000Rs. 118.88 lakhs is the maximum value in the account during the reporting period. The above disclosure on Related Party transactions is pursuant to regulation 23(9) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Transaction involving loans, advances or investments made or given by listed banks are exempted from disclosure. Accordingly , loans/advances and interest income received/accrued thereon during the period are not reported. In terms of Regulation 2(zc) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, acceptance of current account deposits and saving account deposits by banks in compliance with the directions issued by the Reserve Bank of India from time to time, are not considered as a related party transactions. In terms of Regulation 23(9) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the remuneration and sitting fees paid by the Bank to its director, key managerial personnel or senior management, shall not require disclosure under the said sub-regulation provided that the same is not material.CSB BANK LIMITED******Mr. B K Divakara******Key Managerial PersonnelInterest paidValue is dependent on the counterparty38700000Out of the total interest reported, an amount of ₹2.12 lakhs pertains to interest accrued during the quarter ended March 31, 2026. Deposits from any related Parties will be accepted only at compliance with Companies Act, 2013, Banking Regulation Act, 1949 and any other applicable laws and regulations and rates permitted by RBI. This is required to be disclosed as per format specified by Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. As per RBI Master Direction DBR Dir. No. 84/13.03.00/2015-16 dated March 3, 2016, Scheduled Commercial Banks shall, at their discretion, allow additional interest of one percent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of Bank's staff and their exclusive associations as well as on deposits of Chairman, Chairman and Managing Director, Executive Director or such other Executives appointed for a fixed tenure, subject to the conditions prescribed therein. The Bank, has therefore, in line with the said RBI Master Direction, paid an additional interest of 0.5% per annum on the deposits in savings account as well as fixed deposits by KMPs. The above disclosure on Related Party transactions is pursuant to regulation 23(9) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Transaction involving loans, advances or investments made or given by listed banks are exempted from disclosure. Accordingly, loans/advances and interest income received/accrued during the period are not reported.CSB BANK LIMITED******Mr. Sijo Varghese******Key Managerial PersonnelAny other transactionFixed Deposits placed in bankAt Actuals719000669000719000Rs. 7.19 lakhs is the maximum value in the account during the reporting period. The above disclosure on Related Party transactions is pursuant to regulation 23(9) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Transaction involving loans, advances or investments made or given by listed banks are exempted from disclosure. Accordingly , loans/advances and interest income received/accrued thereon during the period are not reported. In terms of Regulation 2(zc) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, acceptance of current account deposits and saving account deposits by banks in compliance with the directions issued by the Reserve Bank of India from time to time, are not considered as a related party transactions. In terms of Regulation 23(9) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the remuneration and sitting fees paid by the Bank to its director, key managerial personnel or senior management, shall not require disclosure under the said sub-regulation provided that the same is not material.CSB BANK LIMITED******Mr. Sijo Varghese******Key Managerial PersonnelInterest paidValue is dependent on the counterparty2800000Deposits from any related Parties will be accepted only at compliance with Companies Act, 2013, Banking Regulation Act, 1949 and any other applicable laws and regulations and rates permitted by RBI. This is required to be disclosed as per format specified by Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. As per RBI Master Direction DBR Dir. No. 84/13.03.00/2015-16 dated March 3, 2016, Scheduled Commercial Banks shall, at their discretion, allow additional interest of one percent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of Bank's staff and their exclusive associations as well as on deposits of Chairman, Chairman and Managing Director, Executive Director or such other Executives appointed for a fixed tenure, subject to the conditions prescribed therein. The Bank, has therefore, in line with the said RBI Master Direction, paid an additional interest of 0.5% per annum on the deposits in savings account as well as fixed deposits by KMPs. The above disclosure on Related Party transactions is pursuant to regulation 23(9) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Transaction involving loans, advances or investments made or given by listed banks are exempted from disclosure. Accordingly, loans/advances and interest income received/accrued during the period are not reported.CSB BANK LIMITED******FIH Mauritius Investments Ltd******PromoterAny other transactionForeign Exchange Transaction - Outward Remitance50000000000At Actuals602108200000Shareholders of the Bank vide resolution passed at the Annual General Meeting of the Bank held on August 26, 2025 had approved for continuing the Material Related Party Transactions in the nature of permitted foreign exchange transactions including International cross border transaction wherein the Bank act as an authorised dealer in foreign exchange, with FIH Mauritius Investments Ltd, promoter of the Bank. The value of transaction reported in respect of foreign exchange transaction represent the total volume of transactions undertaken by the Bank. The above disclosure on Related Party transactions is pursuant to regulation 23(9) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Transaction involving loans, advances or investments made or given by listed banks are exempted from disclosure. Accordingly, loans/advances and interest income received/accrued during the period are not reported.CSB BANK LIMITED******FIH Mauritius Investments Ltd******PromoterAny other transactionProfit earnedAt Actuals6800000Represents the commission collected/profit earned for the foreign exchange transaction. The above disclosure on Related Party transactions is pursuant to regulation 23(9) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Transaction involving loans, advances or investments made or given by listed banks are exempted from disclosure. Accordingly, loans/advances and interest income received/accrued during the period are not reported.CSB BANK LIMITED******IIFL Capital Services Limited (Formerly known as IIFL Securities Ltd)******Promoter GroupAny other transactionCommission received1000000At Actuals29600000The above disclosure on Related Party transactions is pursuant to regulation 23(9) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Transaction involving loans, advances or investments made or given by listed banks are exempted from disclosure. Accordingly, loans/advances and interest income received/accrued during the period are not reported.6034468000AuditedtrueM/s. Walker Chandiok & Co LLP, Chartered Accountantstrue2028-05-31M/s. Sundaram & Srinivasan, Chartered Accountantstrue2027-09-30