Capital Small Finance Bank Earnings Call Transcript: Key Takeaways
Q2 FY27 PAT ₹46 Cr (+31% YoY), NIM 4.24%, GNPA 2.36%. Advances +23% YoY. Management deflected on IRDAI banca fee risk and offered no guidance upgrade.
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Q2 FY27 PAT ₹46 Cr (+31% YoY), NIM 4.24%, GNPA 2.36%. Advances +23% YoY. Management deflected on IRDAI banca fee risk and offered no guidance upgrade.
Capital SFB's Q2 FY27 PAT rose 30.7% year-on-year to ₹45.61 crore, while advances grew 23.4%. Asset quality improved, with GNPA at 2.36% and NNPA at 1.12%.
Q2FY27 PAT Rs46 Cr (+31% YoY), NII +24%, advances Rs9,755 Cr (+23% YoY), GNPA 2.36%. Vision 2029 targets 2x advances and 1.5x branches.
Capital Small Finance Bank's board approved two independent director appointments pending shareholder approval. Joseph D'souza is regularised and Nageswara Rao Yalamanchili reappointed.
Capital Small Finance Bank Ltd reported revenue from operations of ₹300.8 Cr (+17.3% YoY) and net profit of ₹45.6 Cr (+30.7% YoY) for Q2 FY27.
Capital SFB's NRC approved vesting of 3,71,400 ESOP options (60% of outstanding) to employees. Vested options are exercisable within one year from vesting date.
Capital Small Finance Bank meets 29 October 2026 to consider September results, Tier II bonds and ESOP changes. Trading window closes 31 October.
The company submitted its quarterly shareholding pattern for the period ended September 30, 2026, in compliance with SEBI Regulation 31(1)(b).
Capital Small Finance Bank intimated BSE of a board meeting on 29 Oct 2026 to consider unaudited standalone Q1 FY27 results. The meeting has not yet been held.
Capital Small Finance Bank allotted equity shares under its ESOP/ESPS scheme. This capital structure update reflects the allotment to eligible employees.
Capital Small Finance Bank allotted 25,885 equity shares under its Employee Stock Option Plans. This allotment increases the bank's total paid-up equity share capital.
Capital Small Finance Bank has scheduled a Securities Committee meeting for October 06, 2026. The committee will consider the allotment of shares under various Employee Stock Option Plans.
Capital Small Finance Bank reported provisional business highlights for Q2 FY27. Gross advances reached ₹9,755 crore, growing 23.4% year-on-year, while total deposits rose 16.2% to ₹10,831 crore.
Capital Small Finance Bank Limited appointed Mrs. Rachna Dikshit as Part-Time Chairman and Mr. Joseph Conrad Agnelo D'souza as an Additional Independent Director.
Capital Small Finance Bank granted 3,561 equity shares as part of an Employee Stock Option Plan for a Material Risk Taker for FY 2025-26.
Capital Small Finance Bank Limited approved the grant of 25,582 ESOPs to Executive Director Munish Jain as part of his variable pay for FY 2025-26.
Capital SFB reported Q1 FY27 PAT of ₹41.3 Cr, up 29% YoY, with gross advances growing 22% to ₹9,074 Cr. Strategy focuses on secured lending and retail-centric deposit growth.
Capital Small Finance Bank reported Q1 FY27 results with a net profit of ₹41.3 crore and advances of ₹9,074 crore, showing strong growth in its lending franchise.
Capital SFB reported strong Q1FY27 results with 29% YoY PAT growth to INR 41 Cr and 22% Advance growth. Strategy focuses on secured lending (97.4%) and granular retail deposits.
Capital Small Finance Bank Ltd reported revenue from operations of ₹288.2 Cr (+16.6% YoY) and net profit of ₹41.3 Cr (+29.1% YoY) for Q1 FY27.
Capital Small Finance Bank scheduled a board meeting for July 23, 2026. The board will consider and approve unaudited financial results for June 2026 quarter.
Capital Small Finance Bank filed its quarterly shareholding pattern for the period ending 30 Jun 2026. The disclosure lists holdings across various investor categories.
Capital Small Finance Bank disclosed its shareholding pattern as of 30‑Jun‑2026, detailing holdings across promoters, institutions and individuals. No monetary transaction is reported.
Capital Small Finance Bank reported gross advances of ₹9,074 crore for Q June 30, 2026, marking 22% YoY growth. Deposits rose to ₹10,596 crore, up 16.3%.
Capital Small Finance Bank reported gross advances of ₹9,074 crore and deposits of ₹10,596 crore for June 30 2026. The loan portfolio grew 4.5% QoQ with NPA at 2.47%.
Capital Small Finance Bank appointed M/s GSA & Associates LLP as Statutory Auditor. The appointment spans from FY 2026-27 to FY 2028-29.
Capital Small Finance Bank held its 27th Annual General Meeting on June 25, 2026. The proceedings detailed operational performance and future growth visions.
Capital Small Finance Bank allotted 33,600 equity shares worth Rs.0.57 Crore under its ESOP scheme. This increases the paid-up capital and reflects employee incentive alignment.
Capital Small Finance Bank allotted 33,600 equity shares under its ESOP scheme. This increases the total paid-up share capital to 4,54,65,185 shares.
Capital Small Finance Bank scheduled a Securities Committee meeting for June 12, 2026. The committee will consider share allotments under the 2023 ESOP plan.