Capital Small Finance Bank
- Market cap
- ₹ 1,186 Cr.
- P/E
- 7.6x
- P/B
- 0.81x
- 52-week range
- 206.55 – 323.7
- ROE
- 10%
- Dividend yield
- 1.9%
- Debt / equity
- 0.4
- Sector
- Banks
- Industry
- Other Bank
- Listed on
- NSE, BSE
About
Capital Small Finance Bank Limited (the Bank) is an India-based banking company. The Bank is engaged in providing retail and commercial banking and treasury operations. It operates through four segments: Treasury, Retail Banking, Wholesale Banking and Other Banking Operations. The Treasury segment consists of interest earnings from the Bank's investment portfolio. The Retail Banking includes lending, deposit taking and other services offered to retail customers. The Wholesale Banking segment includes lending, deposit taking and other services offered to wholesale customers. The Other Banking Operations includes para banking activities. It offers a range of saving accounts, such as normal savings account, capital saver savings banking and financial services account, capital super savings account and basic saving bank deposit account. It offers a range of loans, including housing loans, personal loans, gold loans, mortgage loans against property and kisan credit cards.
Quick check
The five things to look at first. Open one for more.
Compared with its industry
Other Bank: 9 companies →Capital Small Finance Bank against the typical company in its industry. The rank is out of the companies that report each figure; green means the better quarter of the pack, red the worse quarter.
- Valuation (P/E)7.6 against a typical 14.6: cheaper than most peers (1st = cheapest).2nd of 9
- Sales growth+16.6% against a typical +22.6% from a year earlier.8th of 9
- Profit growth+28.1% against a typical +83.6% from a year earlier.5th of 6
- Share price, 3 months−15.5% against a typical −16.9%.3rd of 9
- Size₹ 1,185.7 Cr. market value against a typical ₹ 2,133.4 Cr. (1st = largest).8th of 9
Latest announcements
Exchange filings and their impact on the company.
- Bank vested 3.71 lakh ESOPs at Rs 171, implying ~0.8% potential dilution if exercised within a year.
Capital Small Finance Bank's Nomination and Remuneration Committee on October 28, 2026 approved vesting of 3,71,400 stock options, being 60% of the 6,19,000 outstanding options granted in September 2023. The vested options have an exercise price of Rs 171 per share and can be exercised within one year. If fully exercised, this adds about 0.8% to the share count with about Rs 6.35 crore inflow, a small dilution with no material near-term business impact.
Credit ratings
Every rating action on file, newest first, including reaffirmations. Open a row for the agency's reasoning. All credit rating updates
Adequate safety
Rated A- by CARE- No warnings from the agency.
| Agency | Current rating | Outlook | As of |
|---|---|---|---|
| Brickwork | Withdrawn | Stable | 6 Apr 2026 |
| CARE | CARE A- | Stable | 27 Feb 2026 |
| Rating | Details | |||||
|---|---|---|---|---|---|---|
| 6 Apr 2026 | Withdrawn | was BWR A+ | — | Brickwork | ₹ 65 Cr. | |
| 27 Feb 2026 | Reaffirmed | CARE A- | — | CARE | ₹ 105 Cr. |
Board meetings
Results dates and other board meetings. Full calendar
| Details | ||
|---|---|---|
| 29 Oct 2026Upcoming | Financial Results | To consider and approve the financial results for the period ended September 30, 2026 |
| 23 Jul 2026 | Financial Results | To consider and approve the financial results for the period ended Jun 30, 2026 |
| 13 May 2026 | Fund Raising | To consider Fund Raising |
| 29 Apr 2026 | Financial Results/Dividend | To consider and approve the financial results for the period ended March 31, 2026 and dividend |
| 29 Jan 2026 | Financial Results/Other business matters | To consider and approve the financial results for the period ended December 31, 2025 and other business matters |
| 29 Oct 2025 | Financial Results | To consider and approve the financial results for the period ended September 30, 2025 |
| 24 Jul 2025 | Financial Results | To consider and approve the financial results for the period ended Jun 30, 2025 |
Financials
Standalone figures in ₹ crore.
| ₹ Cr. | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 197 | 204 | 204 | 218 | 224 | 235 | 231 | 247 | 256 | 272 | 273 | 288 |
| Interest | 113 | 117 | 117 | 119 | 123 | 128 | 128 | 137 | 145 | 153 | 152 | 155 |
| Expenses | 68 | 67 | 70 | 76 | 82 | 80 | 84 | 90 | 88 | 100 | 92 | 105 |
| Financing Profit | 16 | 20 | 17 | 24 | 19 | 27 | 19 | 20 | 23 | 19 | 28 | 29 |
| Financing Margin % | 8% | 10% | 8% | 11% | 8% | 12% | 8% | 8% | 9% | 7% | 10% | 10% |
| Other Income | 16 | 18 | 21 | 17 | 26 | 18 | 26 | 23 | 23 | 26 | 26 | 26 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 32 | 38 | 38 | 40 | 44 | 46 | 45 | 43 | 46 | 46 | 54 | 55 |
| Tax % | 25% | 25% | 25% | 25% | 25% | 25% | 24% | 25% | 25% | 25% | 26% | 25% |
| Net Profit | 24 | 29 | 28 | 30 | 33 | 34 | 34 | 32 | 35 | 34 | 40 | 41 |
| EPS in Rs | — | 8.17 | 6.26 | 6.66 | 7.4 | 7.53 | 7.57 | 7.07 | 7.7 | 7.58 | 8.82 | 9.08 |
| Gross NPA % | 2.7% | 3% | 2.8% | 2.7% | 2.6% | 2.7% | 2.6% | 2.7% | 2.7% | 2.7% | 2.5% | 2.5% |
| Net NPA % | 1.4% | 1.5% | 1.4% | 1.4% | 1.3% | 1.4% | 1.3% | 1.4% | 1.4% | 1.4% | 1.2% | 1.1% |
Growth and returns
Compounded yearly rates over each period.
- 10 Years
- —
- 5 Years
- 15%
- 3 Years
- 16%
- TTM
- 16%
- 10 Years
- —
- 5 Years
- 28%
- 3 Years
- 15%
- TTM
- 13%
- 10 Years
- —
- 5 Years
- —
- 3 Years
- —
- TTM
- —
- 10 Years
- —
- 5 Years
- 12%
- 3 Years
- 11%
- TTM
- —
P/E and EPS over time
Daily P/E and trailing 12-month EPS. EPS updates with each result.
Peers
Listed companies in the same business.
| Capital Small Finance Bank | ₹ 252.20 | ₹ 1,186 Cr. | 7.6x | 0.8x | 10% | — |
| HDFC Bank | ₹ 692.10 | ₹ 10,66,990 Cr. | 16.5x | 2.2x | 13.7% | 25.6% |
| ICICI Bank | ₹ 1,395.00 | ₹ 10,01,336 Cr. | 19.3x | 2.9x | 16% | 25.9% |
| State Bank of India | ₹ 957.00 | ₹ 8,83,384 Cr. | 11.8x | 1.6x | 15.4% | 21.4% |
| Kotak Mahindra Bank | ₹ 430.10 | ₹ 4,27,849 Cr. | 20.2x | 2.1x | 11.4% | 24.5% |
| Union Bank of India | ₹ 178.50 | ₹ 1,36,260 Cr. | 6.6x | 1x | 15.8% | 33.2% |
Management
- Sarvjit Singh Samra
- Managing Director and Chief Executive Officer, Executive Director
- Aseem Mahajan
- Chief Financial Officer
- Amit Sharma
- Company Secretary and Compliance Officer
- Munish Jain
- Executive Director
Prices are delayed and for information only. Nothing on this page is investment advice.