Capital Small Finance Bank Q1 PAT Rises to ₹413 Million

MUMBAI — Capital Small Finance Bank Limited reported a 29% year-on-year increase in standalone net profit (PAT) to ₹413 million (₹41.3 crore) for the first quarter ended June 30, 2026. The performance was backed by double-digit expansion in loan advances, improving interest margins, and lower non-performing assets.

The Jalandhar-headquartered lender recorded total interest earned of ₹2.88 billion (₹288 crore) during the quarter, supported by a 22% growth in gross advances. The quarterly results reflect steady operational momentum across its core retail lending segments.

Operating Profit, Interest Earned, and Asset Quality Trends

The bank reported pre-provision operating profit (PPOP) of ₹647 million, up 23.1% year-on-year. Total provisions and contingencies stood at ₹93.5 million (₹9.35 crore) for the quarter.

Net Interest Margin (NIM) expanded to 4.21% compared to 4.06% in the same quarter last year, while total deposits grew 16.3% year-on-year to ₹10,596 crore. The CASA ratio improved to 36.7% sequentially from 34.7% in the previous quarter.

D P Abhushan Reports 77% Jump in First-Quarter Profit

In a parallel financial development from the retail sector, jewellery merchant D P Abhushan Limited posted a 77% surge in standalone net profit after tax to ₹64.45 crore for the quarter ended June 30, 2026, up from ₹36.42 crore in the corresponding prior-year period.

The company's total income grew 58% year-on-year to ₹853.63 crore, driven by sustained wedding demand and disciplined inventory management despite gold price volatility. The company also announced store expansion plans into Jabalpur, Madhya Pradesh, and Dahod, Gujarat.

Operational Impact on Investors and Consumers

The results demonstrate underlying strength in small finance banking and organized retail sectors. Capital Small Finance Bank's focus on secured, retail-centric lending has helped keep asset quality intact, offering stability for depositors and equity investors alike.

For retail borrowers and small businesses, steady deposit growth at small finance banks ensures reliable access to formal credit in semi-urban and rural markets.

Official Sources Section

According to official regulatory filings submitted to the National Stock Exchange of India (NSE) and BSE Limited, Capital Small Finance Bank and D P Abhushan disclosed their unaudited quarterly financial results following board meetings held in July 2026.

Quote Section

According to official corporate statements filed with stock exchanges:

"Despite volatility in precious metal prices and temporary consumer hesitation, demand particularly for wedding jewellery remained resilient. Supported by disciplined inventory management and operational efficiency, business momentum normalized." — Santosh Kataria, Managing Director, D P Abhushan Limited

Why It Matters

Strong earnings from regional lenders and retail players signal persistent domestic demand across Tier-2 and Tier-3 markets. Improving asset quality metrics in small finance banks reflect lower credit defaults, reinforcing financial stability across retail lending ecosystems.

Key Facts at a Glance

• Net Profit Surge: Capital Small Finance Bank Q1 net profit rose 29% YoY to ₹413 million.

• Asset Quality: Gross NPA improved to 2.47% from 2.75% in the year-ago period.

• Interest Revenue: Interest earned reached ₹2.88 billion on gross advances of ₹9,074 crore.

• Jewellery Sector Growth: D P Abhushan reported a 77% PAT increase to ₹64.45 crore.

FAQ Section

What was Capital Small Finance Bank's Q1 net profit?

Capital Small Finance Bank reported a standalone net profit of ₹413 million (₹41.3 crore) for Q1, up 29% from ₹320 million in the year-ago quarter.

What are the asset quality numbers for Capital SFB in Q1?

Gross NPA improved to 2.47% (down from 2.75% in Q1 FY26), while Net NPA stood at 1.14% compared to 1.39% in the same period last year.

How much interest did Capital Small Finance Bank earn in Q1?

The bank earned ₹2.88 billion (₹288 crore) in interest during the first quarter, supported by a 22% growth in gross advances.

What was D P Abhushan's Q1 profit?

D P Abhushan posted a 77% increase in Net Profit After Tax (PAT) to ₹64.45 crore, compared to ₹36.42 crore in Q1 of the previous year.

Source: National Stock Exchange of India, BSE Limited, Capital Small Finance Bank Investor Relations