Capital Small Finance Bank Limited Q1 FY27 earnings call summary

Earnings call of 24 Jul 2026, summarised by AI from the filing.

Cost of deposits declined to 5.6% from 5.8% QoQ, aiding NIM expansion.

Key takeaways

1. Change Cost of deposits declined to 5.6% from 5.8% QoQ, aiding NIM expansion.
2. Driver MSME and business loans grew 49% YoY, driving overall loan growth.
3. Risk Increasing cost of deposits may offset repricing benefits, keeping NIM stable.

Original filing on BSE

Capital Small Finance Bank Limited Q1 FY27 results

As filed: Revenue ₹288 cr, EBITDA ₹28.9 cr, PAT ₹41.3 cr, EBITDA margin 10.0%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹273 cr, EBITDA ₹28.3 cr, PAT ₹40.1 cr, EBITDA margin 10.3%. Not scored. Bank result format: not scored yet. Share price after the results: +4.0% in 30 days (Nifty 500: −0.5%).
• Q3 FY26: Revenue ₹272 cr, EBITDA ₹19.4 cr, PAT ₹34.4 cr, EBITDA margin 7.1%. Not scored. Bank result format: not scored yet. Share price after the results: +2.0% in 29 days (Nifty 500: +0.4%).
• Q2 FY26: Revenue ₹256 cr, EBITDA ₹22.9 cr, PAT ₹35.0 cr, EBITDA margin 8.9%. Not scored. Bank result format: not scored yet. Share price after the results: −3.3% in 30 days (Nifty 500: −0.1%).
• Q1 FY26: Revenue ₹247 cr, EBITDA ₹20.1 cr, PAT ₹32.0 cr, EBITDA margin 8.2%. Not scored. Bank result format: not scored yet. Share price after the results: −4.6% in 29 days (Nifty 500: −1.3%).
• Q4 FY25: Revenue ₹466 cr, EBITDA ₹47.3 cr, PAT ₹68.0 cr, EBITDA margin 10.1%. Not scored. Bank result format: not scored yet. Share price after the results: −1.8% in 30 days (Nifty 500: +3.4%).
• Q3 FY25: Revenue ₹235 cr, EBITDA ₹27.8 cr, PAT ₹34.0 cr, EBITDA margin 11.9%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹224 cr, EBITDA ₹18.3 cr, PAT ₹33.0 cr, EBITDA margin 8.2%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

Capital Small Finance Bank Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (24 Jul 2026), Results deck (23 Jul 2026), Results press release (23 Jul 2026)
• Q4 FY26: Earnings call (29 Apr 2026), Results deck (29 Apr 2026)
• Q3 FY26: Earnings call (30 Jan 2026), Results deck (29 Jan 2026)
• Q2 FY26: Earnings call (30 Oct 2025), Results deck (29 Oct 2025)
• Q1 FY26: Earnings call (25 Jul 2025), Results deck (24 Jul 2025), Results press release (24 Jul 2025)
• Q4 FY25: Earnings call (30 Apr 2025), Results deck (29 Apr 2025)