Capital Small Finance Bank share price today

Capital Small Finance Bank Ltd's share price was ₹263.10 at the close on 4 November 2026. It has been falling for 1 week. That is 5.1% below its average price over the last 200 trading days. Over the past 13 weeks it has done worse than the NIFTY 500, and it has been behind for 5 weeks running.

A share price tends to move through four phases: moving sideways (stage 1), rising (stage 2), stalling near a high (stage 3) and falling (stage 4). Today Capital Small Finance Bank Ltd is in stage 4. The phase helps read everything below.

In the last 52 weeks it traded between ₹220 and ₹304, and at that close it sat 51% of the way up from that low.

Over the last 2.7 years the share price moved −41% while the NIFTY 500 moved +9%, so it is behind the index over that whole period. It was last ahead over 13 weeks in the week of 1 October 2026. The chart above shows the 13-week comparison for every week.

This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row.

Three changes stood out: revenue up on a year earlier for 12 quarters in a row (every quarter we can compare), bad loans at their lowest share in 16 quarters and foreign funds (FIIs) raised their stake for 3 quarters in a row.

1. Revenue up on a year earlier for 12 quarters in a row (every quarter we can compare)

   In the September 2026 quarter revenue was ₹301 crore, +17.6% on a year earlier.

   Why: Revenue rose because the bank lent more to customers.

   From the earnings call on 30 Oct 2026.

2. Bad loans at their lowest share in 16 quarters

   Gross NPA, the share of loans not being repaid, was 2.36% in the September 2026 quarter, from 2.7% a year earlier.

   Why: Bad loans fell because the bank collected overdue loans more closely.

   Next results: check whether loans with early signs of stress stay low after weather trouble and whether money set aside for bad loans stays contained.

   From the earnings call on 30 Oct 2026.

3. Foreign funds (FIIs) raised their stake for 3 quarters in a row

   From 0.4% to 3.1% of the company by the September 2026 quarter.

For July to September 2026 (the quarter ended 30 September 2026), Capital Small Finance Bank reported total income of ₹301 crore, up 17.6% from ₹256 crore a year earlier, and a profit of ₹46.0 crore, up 31.4% from ₹35.0 crore.

Capital Small Finance Bank results: July to September 2026 against a year earlier

The next results, for October to December 2026, are due by 14 February 2027: listed companies must publish quarterly results within 45 days of the quarter's end (60 days for the January to March quarter).

Capital Small Finance Bank's management discussed these results on a call held on 30 October 2026; what it said is further down this page.

From the company's reported quarterly results (quarter ended 30 September 2026). Income and profit in ₹ crore.

Capital Small Finance Bank closed at ₹263.10 on 4 November 2026, down 3.4% from ₹272.50 a year earlier (7 November 2025). Its highest weekly close since February 2024 was ₹449.50 on 16 February 2024.

Capital Small Finance Bank share price: then and now

Weekly closing prices. Each change is the move from that price to the 4 Nov 2026 close. A day's intraday high or low can go beyond these weekly closes.

149 weekly closes from 16 February 2024 to 4 November 2026.

4 Nov 2026: Capital Small Finance Bank closed at ₹263.10, down 3.1% on the week and down 5.2% on the month. 30 Oct 2026: Capital Small Finance Bank held its results call for July to September 2026. Management guided: FY27 advance growth 20-22% with positive bias.

Earlier

• Results for July to September 2026: Total income up 17.6% and profit up 31.4% on a year earlier.
• Our read, 22 Aug 2026: The reported quarter shows revenue and profit growth, while gross and net NPA declined from the preceding year. The next proof point is whether funding-cost repricing converts into sustained returns rather than a one-quarter outcome.
• 18 Jun 2026: ex-date for a dividend of ₹5 a share.

Our read of the business

The reported quarter shows revenue and profit growth, while gross and net NPA declined from the preceding year. The next proof point is whether funding-cost repricing converts into sustained returns rather than a one-quarter outcome.

April to June 2026: revenue and profit rose year on year, while reported GNPA and NNPA declined.

Our read after the April to June 2026 results, written 22 August 2026. The July to September 2026 results are out since, so this part may be out of date until we update it.

Capital Small Finance Bank paid ₹5 a share in regular dividends in the 12 months to 5 November 2026 (1 payment), a yield of 1.90% at the ₹263.10 close on 4 November 2026. The last was a dividend of ₹5 a share, ex-date 18 June 2026.

Capital Small Finance Bank dividends since 1 April 2021

Amounts as the company declared them on the NSE. A dividend goes to whoever owns the shares before the ex-date. The record date is the same day as the ex-date for every payment here.

Yes. Capital Small Finance Bank Ltd paid out 16% of its profit as dividends in FY26, and it paid a dividend in 7 of its last 9 reported years.

From the NSE corporate-actions record, read 5 November 2026.

On the call for July to September 2026, held on 30 October 2026, Capital Small Finance Bank's management guided: FY27 advance growth 20-22% with positive bias.

“We believe that until FY29 we can scale the present model in a very significant and efficient manner, and we aspire to convert ourselves into a universal bank after FY29 when all these metrics are achieved.”Munish Jain, on the call for July to September 2026

What management guided

• Loan book above ₹16,000 crore with branch network above 300 by FY29.
• NIM 4.3-4.4% by FY29 on average credit-deposit moving to mid-high 80s with EBLR reset from November 1 aiding near term.
• Operating expense to 280-285 basis points of average assets by FY29 from current elevated base.
• Out-of-Punjab branches above 30% driving advances share to 32-37% by FY29.

Management’s own plans and goals, from our notes of the call. A plan is not a result.

Source: the call transcript.

From the call for July to September 2026, 30 October 2026.

The thesis breaks if the next reported quarter shows either GNPA rising above the latest reported level while net NPA also reverses, or funding-cost repricing fails to preserve the reported financing margin despite management’s stated repricing benefit.

Each change stops working if

• : Fresh-deposit pricing offsets the repricing pool and the reported financing margin declines.
• : New-state or MSME growth is followed by persistent deterioration in GNPA or NNPA.
• : Profit growth reverses while the reported financing margin and NPA both worsen.
• : ROE remains below the current level after the repricing period or asset quality deteriorates.

The main risks

• : The latest call contains conflicting GNPA figures. ⚠ estimate
• : Agriculture underwriting description widened without an explanation. ⚠ estimate
• : Institutional ownership fell and the reason is unresolved. ⚠ estimate

Our read after the April to June 2026 results, written 22 August 2026. The July to September 2026 results are out since, so this part may be out of date until we update it.

When Capital Small Finance Bank reports October to December 2026, these are the 4 checks that show whether the story is still on course. First: Deposit growth catching advance momentum with CASA stability through high-rate season - per asset-first with liability-follows-trust commentary.

Capital Small Finance Bank is on 2 of our India lists: Dividend stocks and Bank stocks.

Capital Small Finance Bank Ltd earned ₹46.0 Cr of net profit in the Sep 2026 quarter, +31.4% on the same quarter a year earlier. That is the 3rd quarter in a row of profit growth. Full-year FY26 profit was ₹141 Cr. Over 8 years profit has grown 28.5% a year on average. That is 15.3% of the quarter's revenue.

Net profit is what is left after every cost, interest and tax. Earnings per share, dividends and book value all grow from it.

The same quarter a year earlier earned ₹35.0 Cr.

For the full year, FY26 profit was ₹141 Cr (+6.8% on the year before).

Why profit moved: revenue changed +17.6% on a year earlier and the margin moved +1.6 percentage points. Sales did the work, and the margin was about flat.

On average over the last four quarters, profit changed +19.3% and revenue +17.0%. Profit and revenue are moving at about the same pace.

FY27-Q1. revenue ₹288 Cr and profit ₹41 Cr as reported.

FY27-Q2. revenue ₹301 Cr and profit ₹46 Cr as reported.

Why-sources: our stock research file (22 August 2026) and the company’s own results for those quarters.

Capital Small Finance Bank Ltd reported ₹301 Cr of income in the Sep 2026 quarter, +17.6% on the same quarter a year earlier. That is the 12th quarter in a row with growth on the year before. Over 8 years it has grown 18.4% a year on average. The last full year, FY26, came in at ₹1,049 Cr.

For a bank, revenue is everything it earns: interest on its loans plus fees and other income.

The last four reported quarters add to ₹1,134 Cr.

FY26 revenue was ₹1,049 Cr, +15.5% on the year before.

Recent pace: the last four quarters grew +17.0% on average, against 18.4% a year over the longer run, so this year is growing slower than its own long-run rate.

Is growth speeding up? Revenue over the last 12 months grew +17.0%, against +15.5% a year over the last 8 quarters (stabilising); profit over the last 12 months grew +19.3%, against +15.8% a year (accelerating).

FY27-Q1. revenue ₹288 Cr and profit ₹41 Cr as reported.

FY27-Q2. revenue ₹301 Cr and profit ₹46 Cr as reported.

Why-sources: our stock research file (22 August 2026) and the company’s own results for those quarters.

Capital Small Finance Bank Ltd's net margin was 15.3% in the Sep 2026 quarter, 1.6 percentage points higher than the same quarter a year ago. Across 9 years it has been between 5.5% and 14.5%. The latest quarter is above every full year in that period.

Net margin is what the bank keeps from every ₹100 of revenue after every cost, provision for bad loans and tax. It is the clearest single margin we can read for a lender.

Why this happened. Deposit repricing can support funding costs and preserve the latest financing margin.

Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason.

FY27-Q1. revenue ₹288 Cr and profit ₹41 Cr as reported.

FY27-Q2. revenue ₹301 Cr and profit ₹46 Cr as reported.

Why-sources: our stock research file (22 August 2026) and the company’s own results for those quarters.

Capital Small Finance Bank Ltd's gross NPA, the share of loans that have stopped being repaid, is 2.36% in Sep 2026, down from 2.70% a year ago. After the money already set aside for bad loans, 1.12% is left (net NPA). That is the 5th quarter in a row of improvement.

Gross NPA is the share of the loan book where repayments have stopped. Net NPA is what is left after the money the lender has already set aside for those loans. Falling is good; rising is a warning.

Why this happened. Reported quarterly revenue and PAT grew year on year, while GNPA and NNPA declined. This supports an earnings recovery read, but the latest report must repeat because one quarter alone does not establish a return cycle.

Across the 12 quarters on file it has been between 2.36% and 2.97%. Falling bad loans mean the loan book is healing; rising ones mean new damage.

In Sep 2026, gross NPA was 2.36% and net NPA 1.12%, against 2.70% and 1.38% a year ago.

In short: a lender's profit growth is only as good as its loans, and this loan book is healing, several quarters running. Quarterly detail on money set aside for bad loans is not in our data yet, so this shows the levels and the trend, not the cost of the clean-up.

Why bad loans moved: recoveries, write-offs and new bad loans all play a part. That split is not in our data, so the page shows the trend without the breakdown.

Capital Small Finance Bank Ltd's revenue was ₹1,049 Cr in FY26, +15.5% on the year before, so the loan book is growing. The latest quarter was +17.6% on a year earlier. The net margin on that income is 15.3%, +1.6 percentage points on a year ago.

We read the loan book through revenue: when the book grows, revenue grows with it. It is only a rough guide, because interest-rate changes and fee swings can move it a few points in any year.

Why this happened. Management reported 49.0% YoY MSME growth and stated that outside-Punjab advances reached 25.0% and grew over 30.0% YoY. The driver works only if growth remains collateral-led and does not worsen reported NPA.

Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year.

In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Gross NPA is the loan-quality figure this page uses.

Capital Small Finance Bank Ltd's P/BV is 0.8×, about the lowest it has ever been. Its usual P/BV (the middle reading) is 0.9×, over 2.5 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth.

For a bank or lender we compare the price with book value, the net worth on its balance sheet. P/BV is how many rupees the market pays for each ₹1 of that net worth. Below 1× means the market values it at less than its net worth.

Why the multiple is low: this lender earns about 10% a year on its equity. A lender that earns less on its net worth is valued lower for each rupee of it, and that gap usually closes only if returns improve.

Why the multiple is where it is: over the past year book value grew while the price moved −3.4%. Price and book value moved together, so the multiple stayed in its range.

In short: the multiple is low against its own past, so the book value trend underneath matters more than the multiple.

Worked out from its price on 25 August 2026, Capital Small Finance Bank Ltd's share price assumed profit growth of about 1.6% a year. Over the past 8 years its profit actually grew 28.5% a year. Today its P/BV is 0.8×, lower than 99% of its own last 2.5 years.

This works the share price backwards. It asks one question: what yearly profit growth does the price already assume? The answer is the growth rate at which eleven years of profit (six years of growth, then five years of slowing) add up to that day's market value, after each year is discounted at 11%.

This is a one-day reading, taken on 25 August 2026. Every other number on this page, the multiple included, uses the latest price as of 4 November 2026. A higher price assumes more growth and a lower price less, so it changes whenever the price changes, and this page does not update it between measurements.

Capital Small Finance Bank Ltd's business is giving mixed signals. Growth has been steadily positive, but ROE at 10.6% is below the 12% level needed to call it steady growth. This is based on 12 quarters of 3 measures, with some gaps.

Every business is somewhere on a path of getting better or worse, and this section names where. The last 12 quarters of growth in revenue, profit and earnings per share, plus the return the business earns on its capital, are read as lines. Getting worse: the lines are falling. Turning around: a low point has just formed and the last few quarters are rising from it. Getting better: the rise from the low has lasted. Growing steadily: steady growth with healthy returns. Slowing from a peak: still high, but slowing. When the lines disagree the result is mixed; too little history means no reading. CAGR (compound annual growth rate) is the steady yearly rate that would turn the starting value into the latest one. It is the fairest way to compare growth over different periods. If the 1-year figure is much bigger than the 10-year one, recent growth is running faster than the long-run trend. A dash means there is no figure for that period, or the starting year was a loss, where a growth rate means nothing.

Why it matters: when the lines disagree, each line above matters more than any single label.

This reading has some gaps: at least one line is short, or the return line is not the quarterly series, so treat it with a little more caution.

Compound annual growth rate (%)

Compound annual growth rate over each period, %. Revenue, profit and EPS come from yearly figures; the share price row is price growth over the same periods. A dash means no figure for that period, or the starting year was a loss.

Capital Small Finance Bank Ltd's story is not scored yet against the checks our research set on 22 August 2026. Where it sits in its own cycle: TROUGH.

NOT YET CHECKED

What is proven. See the research file

What is not proven yet. The thesis breaks if the next reported quarter shows either GNPA rising above the latest reported level while net NPA also reverses, or funding-cost repricing fails to preserve the reported financing margin despite management’s stated repricing benefit.

What would change our mind. The thesis breaks if the next reported quarter shows either GNPA rising above the latest reported level while net NPA also reverses, or funding-cost repricing fails to preserve the reported financing margin despite management’s stated repricing benefit.

The test written in advance. The thesis breaks if the next reported quarter shows either GNPA rising above the latest reported level while net NPA also reverses, or funding-cost repricing fails to preserve the reported financing margin despite management’s stated repricing benefit. Measured by: the thesis as written as stated by the next result.

What the company does. The reported quarter shows revenue and PAT growth, while gross and net NPA declined from the preceding year. The next proof point is whether funding-cost repricing converts into sustained returns rather than a one-quarter outcome.

What the surface reading misses. The surface reading is: Lower reported NPA indicates improving credit quality. The research reads it further: The improvement supports the lending-cycle recovery, but the latest concall’s conflicting GNPA commentary makes reconciliation necessary.

Sources: our stock research file (22 August 2026) · quarterly results through Sep 2026 · the company’s own earnings calls. The story check is re-scored every results season; the record below never changes.

What Capital Small Finance Bank Ltd's management promised, against what actually happened: 4 promises on the record. Read straight from the company’s own earnings calls. A promise that slipped stays on this page after it is met.

FY27 Growth Guidance Recast · 30 October 2026. In Apr 2026, management described FY27 loan-book growth as 22% plus, and in Jul 2026 it reiterated 22%. In Oct 2026, it characterized the beginning-of-year guidance as 20% to 22%, creating an unexplained conflict over the formal range; the 23% H1 result and positive bias do not clarify whether this is a reset or an inaccurate retrospective description.

Portfolio Mix Disclosure Requires Reconciliation · 30 October 2026. Jul 2026 reported business loans at 27% of the book and corporate exposure at 14%. The Oct 2026 prepared remarks instead report business loans at 48% (47% at the end of the prior quarter) and corporate exposure at about 4%, an unexplained one-quarter shift that would materially change the risk and yield mix; the same Oct 2026 call later refers to the business loan book as 28%, making the disclosure internally inconsistent as well.

Gross NPA Deterioration Presented as Stable Asset Quality · 24 July 2026. In Apr 2026, management described asset quality as stable with GNPA at 2.54%. In Jul 2026, the latest call again characterized asset quality as stable but reported GNPA at 4.47%, a 1.93 percentage point increase, or approximately 76%, in one quarter. Although NNPA improved from 1.24% to 1.14%, management did not explain the sharp sequential deterioration in gross NPA or the divergence between gross and net asset quality.

Agriculture Ticket-Size Profile Expanded Without Explanation · 24 July 2026. In Jan and Apr 2026, management described agriculture lending as concentrated in the INR5 lakh to INR25 lakh range, with an average ticket size of INR12 lakh in Jan 2026. In Jul 2026, management said it goals borrowers needing between 5 lakhs and 35 lakhs, materially expanding the stated upper bound by 40%. No explanation was provided for this change, which could affect loss, yield, and growth assumptions.

Every quote above is taken word for word from the company’s own earnings calls.

Volume and funding delivery are credible; return delivery and disclosure precision are not yet strong enough for a pass.

Regulatory and governance record

No name-specific SEBI, CBI or ED action surfaced; the criminal-probe result concerned Sammaan Capital, not Capital SFB.

Checked 30 August 2026.

Capital Small Finance Bank Ltd earned a return on equity of 10% in FY26. Its lowest yearly reading on file was 8% in FY18. On its assets, every ₹100 earned about ₹1.30, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together.

Two numbers rate a bank: ROE, what it earns on shareholders’ money, and ROA, what it earns on all its assets. An ROE above about 13 to 15% is healthy; below that, net worth grows slowly.

Why this happened. The deterministic curve shows P/BV compression alongside expanding earnings and a trough operating-cycle classification. The turnaround valuation anchor applies only if the market’s return-on-equity concern is resolved by reported outcomes.

That return is below the level a bank needs to grow its net worth quickly, which helps explain why its multiple is where it is.

Why ROE moved: profit grew 28.5% a year over 8 years while net worth grew more slowly. When earnings recover faster than net worth builds up, ROE climbs off its low.

For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead.

For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here.

Domestic institutions cut their stake in Capital Small Finance Bank Ltd by 6.4 percentage points over 8 quarters, the biggest change among its owners. Domestic institutions now own 25.3% of the company. Foreign institutions moved +1.8 points over the same period, to 3.1%. This uses the four owner groups that companies report every quarter; nothing is guessed between filings.

Who owns the company each quarter: promoters (the founders or controlling owners), foreign institutions, domestic institutions such as mutual funds, and the public. When people close to the business steadily raise their stake, that is worth noticing; a quiet list is also an answer.

Over the last two years: Domestic institutions: −6.4 points over 8 quarters, to 25.3%; Foreign institutions: +1.8 points over 8 quarters, to 3.1%; Promoters: −0.6 points over 8 quarters, to 18.3%. Promoters own under 20%, so this is a widely owned company where institutions, not a family, have the most say.

Why the owners changed: foreign institutions moved +1.8 points and domestic institutions −6.4 points over 8 quarters, while promoters moved −0.6 points. One group of institutions took over shares from the other; it is not a change of mind by the people running the company.

For Capital Small Finance Bank Ltd, the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead.

The Z-score estimates how far a company is from balance-sheet trouble. Above about 3 is safe; below about 1.8 is the danger zone. It was built for manufacturers, so it is not used for banks and lenders.

68.8 out of 100, rank 1 of 9 in Banks - Small Finance, with 100% of the evidence available.

Capital Small Finance Bank Ltd scores 68.8 out of 100 against the 9 companies it is compared with in Banks - Small Finance, ranking 1. Relative strength against the index is 5%, and revenue and profit growth are weak.

The four parts add up to the total exactly: 15.6 + 16.3 + 18.9 + 18 = 68.8. This is the same number shown on the industry page; it is worked out once for the whole group and read here.

What would change it: The score would fall if ROA turns down or gross NPA rises while the share price lags its sector.

Capital Small Finance Bank ranks 1 of 9 Banks - Small Finance companies on the 4-Factor Sector Score, with 68.8 out of 100.

Missing figures are not scored as bad. They lower the confidence and pull the final score toward the middle. Relative strength counts only when the company has a reading for this week; with no reading, that factor is left out and its 20 points are shared across the other three in proportion. Financial companies use P/BV÷ROE and asset quality; PEG, industrial OPM and ROCE are excluded. Under relative strength, one mark per week shows the last 12 weeks: a mark is filled where the company led NIFTY 500 by 5% or more over the 13 weeks ending that week, which is the same test used everywhere on this site. Price stage places the company on the same six-step path the industry is placed on (basing, turning, breaking out, leader, fading, asleep), read from how many weeks running it has led NIFTY 500 and whether that lead is growing or shrinking. It describes where the share price stands, not the direction of earnings, and it is not a recommendation; it is left blank for a company whose weekly history is too short or too stale to read.

The figures in this ranking come from the industry comparison: results through the Sep 2026 quarter, and the P/E at that quarter's end. The sections above use the latest weekly price, so a P/E or return there can differ a little from the one here. The stage words in this ranking (such as losing its lead or breaking out) describe the lead over the index, not the price phase in the price section.

Related companies: Banks - Small Finance, all 9 compared on one page.

Capital Small Finance Bank is the 8th largest of 9 Banks - Small Finance companies on Sector Alpha by market value (scores of 30 October 2026). Just above it: Equitas Small Finance Bank, Jana Small Finance Bank, ESAF Small Finance Bank, Utkarsh Small Finance Bank and Suryoday Small Finance Bank. Just below it: Fino Payments Bank.

Banks - Small Finance companies close in size

3. Equitas Small Finance Bank Ltd ₹6,131 crore
4. Jana Small Finance Bank Ltd ₹3,953 crore
5. ESAF Small Finance Bank Ltd ₹2,192 crore
6. Utkarsh Small Finance Bank Ltd ₹2,039 crore
7. Suryoday Small Finance Bank Ltd ₹1,432 crore
8. Capital Small Finance Bank Ltd ₹1,236 crore
9. Fino Payments Bank Ltd ₹972 crore

All 9 Banks - Small Finance companies, largest first

Companies close in size in other industries

1474. IKIO Technologies Ltd ₹1,244 crore · Capital Goods - Electric General
1475. Jay Bharat Maruti Ltd ₹1,244 crore · Auto Ancillaries - Diversified
1476. Capital Small Finance Bank Ltd ₹1,236 crore
1477. Dhanlaxmi Bank Ltd ₹1,234 crore · Banks - Private
1478. Capacite Infraprojects Ltd ₹1,232 crore · Realty - Construction & Contracting

Sector Alpha, written by code from the published numbers. Data as of 4 November 2026.

Every chart on this page is drawn by code from the published figures, with no forecasts and no price opinions.

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