Capital Small Finance Bank Ltd

Appointments approved

• Appoint Mrs. Rachna Dikshit as Part Time Chairperson from Jan 30, 2027 for 3 years.
• Subject to shareholder and RBI approvals.
• Appoint Mr. Joseph Conrad Agnelo D'souza as Additional Director (Non-Executive Independent) from Sep 28, 2026 for 5 years.
• Subject to shareholders' approval within three months.
• Dikshit and D'souza not debarred by SEBI or authorities.

Meeting Details

• Date & Time: 30 September 2026, 11:30 AM onwards
• Type/Mode: 1x1 and group investor meetings; Virtual
• Event: Investor Group meeting

Participants

• Key participants: Company officials (e.g., Company Secretary & Compliance Officer)

Purpose

• Purpose: Intimation of Analyst / Institutional Investor meeting schedule

Additional Notes

• Note: Date/time may change due to unforeseen exigencies

Meeting Details

• Date: 30 September 2026, 10:00 AM–11:00 AM IST.
• Type/Mode: 1x1 / Group meeting, virtual.
• Organised by: Arihant Capital – Bharat Connect Conference: Rising Stars.
• Participants: Company officials attending (roles not specified).
• Purpose: investor conference engagement with analysts/institutional investors.

Capital Small Finance Bank Ltd trading window closed from October 01, 2026 till Forty-Eight Hours after the conclusion of Board Meeting in which unaudited financial results for the period ended September 30, 2026 shall be considered/ approved.

Meeting Details

• Date: Monday, September 21, 2026
• Time: 2:00 pm to 6:00 pm
• Nature: 1x1 / Group Meeting (physical)
• Organizer: Anand Rathi
• Place: Taj, Santacruz, Mumbai

Participants

• Company management to participate in group and one-to-one meetings.

Purpose

• Analyst/institutional investor meeting to discuss company updates.

Meeting Details

• Date: 3 September 2026, Time: 11:00 a.m.
• Nature: 1x1 / Group Meeting
• Place: Pune
• Mode: Physical

Participants

• Company Secretary & Compliance Officer to participate
• Officials of the Company to attend

Purpose

• Purpose: investor/analyst interaction with the issuer

Additional Notes

• Note: unforeseen exigency may lead to change in date/time

Meeting Details

• Date and time: 02 September 2026, 2:00 pm onwards.
• Type: 1x1 / Group Meeting; Mode: Physical.
• Organiser: ASHWAMEDH – Elara India Dialogue 2026 Conference; Place: Mumbai.

Participants

• Key participants from the company: Company Secretary & Compliance Officer.

Purpose

• Purpose: Attendance at investor conference for analyst/institutional investor interaction.

Capital / Securities

• Approved grant of 3,561 equity shares to Santosh Kumar Dhawan as variable pay for FY 2025-26.
• Exercise price set at Rs 10 per share.
• Vesting in three tranches: 1,187 shares on Aug 24, 2027.
• 1,187 shares vest on Apr 30, 2028; 1,187 on Apr 30, 2029.
• Total shares covered: 3,561.

ESOP grant for Munish Jain

• RBI approved variable pay for FY25-26 to Munish Jain, Executive Director.
• 50% of the variable pay will be granted as ESOPs.
• Total ESOPs grant: 25,582; shares of face value Rs 10.
• Exercise price is Rs 10 per share.
• Vesting: 8,527 shares on Aug 11, 2027; 8,527 on Apr 30, 2028; 8,528 on Apr 30, 2029.
• Exercise window: one year from each vesting date.
• SEBI circular requirements are not applicable.
• RBI letter dated August 06, 2026 approved the variable pay.

Financial Performance

• Gross advances: INR 9,074 crores, up 22% YoY.
• Total deposits: INR 10,596 crores, up 16% YoY.
• CASA ratio: 36.7% (from 34.7% in March 2026).
• NIM: 4.21% for Q1 FY27.
• PAT: INR 41 crores for the quarter.
• GNPA: 2.47%, NNPA: 1.14%.
• PCR: 54.5%, up from 51.9%.
• Cost of deposits: 5.6%, down from 5.8%.
• Branch network: 216 branches across 5 states and 2 UTs.

Segment and Asset Quality

• Non-Punjab advances grew over 30% YoY.
• Average ticket size: INR 19.04 lakhs.
• Segment mix: business loans 27%, mortgage 25%, agriculture 27%, corporate 14%.
• Disbursement mix: business loans 35%, mortgage 21%, agriculture 15%, NBFCs/large corporates 20%.
• Outside Punjab advances >30% YoY; outside Punjab assets ~25%.
• LAP yield: 12.27%; growth 5% QoQ, 18% YoY.
• 4% of portfolio is secured.

Balance Sheet and Liquidity

• Capital adequacy ratio: 21.6%.
• Liquidity Coverage Ratio: 184.18%.
• Average CD ratio: 83%; target mid- to high-80s.
• Deposits constitute around 95% of outside liabilities.

Guidance and Outlook

• ROA target: 1.4% in FY27; 1.6%+ by FY29.
• ROE target: 15%+ by FY29.
• Loan book target: INR 16,000 crores by FY29.
• NIM around 4.2% in FY27; potential expansion in FY28-29.
• CD ratio to rise to mid- to high-80s.
• Deposits repricing benefit realized; cost of deposits at 5.6%.
• Opex to improve in FY27; larger scale impact in FY29.

Q&A Highlights

• MSME: average ticket INR 28 lakhs; QoQ growth 11%, YoY 49%.
• PCR strategy: Net NPA target below 1%.
• Book mix: 50% fixed, 50% floating aiding NIM stability.
• Universal bank aspiration: board will decide; pursue UCB license.
• Outside Punjab metrics: assets 25%, liabilities 10%.