Gross advances for the September quarter hit ₹9,755 crore, up 23.4% from ₹7,907 crore a year ago and 7.5% sequentially from ₹9,074 crore in June. Disbursements accelerated 36% sequentially to ₹1,095 crore from ₹805 crore, reflecting a tightening of underwriting and a robust pipeline.
About 97% of the loan book remains secured, a figure that underscores the bank's conservative risk profile. Gross NPA eased to 2.36% as of September 30, down from 2.47% in the June quarter and 2.70% a year earlier, a swing that bolsters investor confidence in the asset quality.
The credit‑to‑deposit ratio stands at 85.4% this quarter, an increment from 81.5% a year ago, signalling healthy expansion of the loan book relative to the deposit base. Liquidity remains comfortable, with the bank reporting no material shortfall in its liquidity coverage ratio.
Shares traded 0.6% lower at ₹286.80 around 1:30 pm, after the update. The stock has climbed roughly 9% year‑to‑date, reflecting steady demand from value‑oriented investors.
Capital Small Finance Bank will release Q3 results in December. Management has hinted at a potential uptick in the next quarter's margin, but no formal guidance has been issued yet.