Term deposits increased 33% year-on-year to ₹36,600 crore, while CASA rose 4% to ₹8,815 crore. The bank said gross advances grew 24% year-on-year to ₹40,866 crore, compared with ₹32,944 crore in the same period last year.
Advances against gold and gold jewellery increased 47% year-on-year to ₹21,906 crore, excluding receivables secured against gold.
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On a sequential basis, total deposits stood at ₹45,415 crore versus ₹44,246 crore in the previous quarter, while gross advances rose from ₹40,359 crore to ₹40,866 crore. The data is provisional and subject to limited review by the bank’s joint statutory auditors.
In May this year, Pralay Mondal, MD and CEO of CSB Bank, said the bank is focused on rebalancing its loan mix, with a clear plan to reduce dependence on gold loans to below 30% by 2030. Growth will be driven by wholesale and retail expansion, and a calibrated recovery in SME lending, supported by new product launches and a stronger liability franchise.
He adds that asset quality remains stable, with slippages at multi-quarter lows, and the bank is well-positioned to manage risks from gold price volatility and macro uncertainties. With disciplined growth and strong provisioning buffers, CSB Bank aims to deliver a more diversified and resilient balance sheet over the medium term.
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For the January-March quarter of 2026 (Q4FY26), CSB Bank reported steady growth in core income, even as operating performance moderated. Net interest income rose 25% year-on-year to ₹464 crore from ₹371 crore. However, pre-provision operating profit declined 7% to ₹294 crore from ₹317 crore. Profit after tax increased 6% to ₹202 crore, compared to ₹190 crore in the same period last year.
Shares of CSB Bank Ltd ended at ₹351.10, up by ₹13.75, or 4.08%, on the BSE.
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(Edited by : Jomy Jos Pullokaran)
First Published: Jul 2, 2026 5:27 PM IST
