Capital Small Finance Bank PAT increases 18% Y-O-Y, Rs. 132 crore for FY25
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#CapitalSmallBankPAT132cr
PAT increases 18% Y-O-Y, Rs. 132 crore for FY25
NIM for FY25 4.2%, improved from 3.9% in FY24
Chandigarh, April 29, 2025: Capital Small Finance Bank Ltd, India’s first small finance bank to commence operation in 2016, declared its audited financial results for Q4 FY25 and year ended on March 31, 2025.
Celebrating nine years of pioneering banking access in rural and semi-urban India as a small finance bank, the Bank continues to deliver consistent performance across all key metrics, with a sharp focus on profitability, asset quality, and inclusive growth.
Mr. Sarvjit Singh Samra, MD & CEO of Capital Small Finance Bank, said, “We are pleased to share the financial performance of Capital Small Finance Bank for the quarter and year ended March 31, 2025 — a year marked by healthy advance growth, improved asset quality, and improving return matrix. Despite a challenging macro environment of high interest rates, tighter monetary policy and sectoral asset quality concerns, the Bank witnessed healthy loan growth with improved asset quality, with 99.8% of loans being secured and Gross NPAs improving to 2.58%.
We delivered a robust performance with gross advances rising 17% YoY to ₹7,184 crores and disbursements growing by 38% to ₹2,846 crores. Owing to lower CD ratio and high liquidity ratios, we chosen calibrated Deposits growth that grew 11% to ₹8,323 crores. Our CASA ratio stood strong at 36.9%, underscoring the trust of our retail customers. Profit after tax grew 18% to ₹132 crores, with improvements in both ROA to 1.4% against 1.3% in FY24 and in NIM to 4.2% against 3.9% in FY24. Digital transactions surged to 88%, reflecting our transformation into a technology-led, agile institution. This year marks a special moment in our journey — 9 years as India’s first Small Finance Bank, and 25 years as a trusted financial institution. The milestone reflects our commitment to inclusive banking and long-term value creation. We focused on deepening customer trust, expanding responsibly and building a resilient and agile institution which is Future Ready.”
Key Highlights FY25:
I. Gross Advances stood at ₹7,184 crores
§ 17% growth Y-o-Y and Q-o-Q growth of 6%;
§ healthy disbursement of ₹2,846 crores in FY25 with Y-o-Y growth of 38%;
§ 99.8% of the loan book being secured, reaffirming our prudent lending strategy;
§ Granular portfolio with an average ticket size of ₹16 lacs; 61% of exposure being upto ₹25 lacs;
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