Capital Small Fin Bank's advances up 16.4% as on Jun 30, deposits up 17.1%
This story was originally published at 14:58 IST on 3 July 2025
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NEW DELHI – Capital Small Finance Bank's gross advances rose 16.4% on year to INR 74.37 billion as of end-June and 3.5% sequentially, the bank said in an exchange filing Thursday. Its gross non-performing asset ratio inched up to 2.7% as of Jun. 30 from 2.6% a quarter ago, the provisional numbers showed.
"The Bank remained focused on building a granular, high-quality loan book--prioritising segments with stable repayment behaviour and long-term value, rather than pursuing volume in riskier or unsecured asset classes," the management said in the filing. The loan book is well-diversified and 99.8% of it is secured. Disbursements in the June quarter were INR 8.65 billion, up 14.7% on year.
Deposit growth was quicker than loan growth, at 17.1%. On Jun. 30, the total deposits were INR 91.10 billion, of which 35.9% were low cost current account savings account deposit, down from 36.9% at March-end. The bank called the low-cost deposit ratio "healthy" and reflective of a strong retail franchise despite the broader industry shift to term deposits.
The Jalandhar-based lender's average credit-deposit ratio in the June quarter was 80.9%, against 82.5% the previous quarter and 79.6% a year ago. Along with higher capital adequacy ratio, this provides sufficient leg room for growth of the bank, the management said.
Capital Small Finance Bank had posted a net profit of INR 34.24 million in the March quarter, on a total income of INR 257.03 million. At 1440 IST, the bank's shares were down 1.2% to INR 281.15 on the National Stock Exchange. End
Reported by Aaryan Khanna
Edited by Akul Nishant Akhoury
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