Gross advances rose 23.4% and 7.5% to ₹9,755 crore from ₹7,907 crore a year ago and ₹9,074 crore in the June quarter, respectively. Disbursements during the quarter increased 36% sequentially to ₹1,095 crore from ₹805 crore. About 97% of the loan book was secured, the bank said.
Total deposits grew 16.2% year-on-year and 2.2% sequentially to ₹10,831 crore, compared with ₹9,317 crore a year ago and ₹10,596 crore in the previous quarter. Current account savings account (CASA) deposits stood at ₹3,734 crore, accounting for 34.5% of total deposits, up from 33.9% a year ago.
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Asset quality improves
Gross non-performing assets (NPA) stood at 2.36% as of September 30, improving from 2.47% in the June quarter and 2.70% a year ago. The bank attributed the improvement to its underwriting and recovery processes and its secured, granular loan portfolio.
The lender’s average credit-to-deposit ratio stood at 85.4% in the second quarter, compared with 81.5% in the year-ago quarter. It said its liquidity position remained comfortable.
The business update is provisional and subject to limited review by the statutory auditors and approval from the Audit Committee and Board of Directors.
Following the business update, shares of Capital Small Finance Bank were trading 0.6% down at ₹286.80 around 1.30 pm. The stock has gained about 9% so far in 2026.
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