CSB Bank has announced its audited financial results for the quarter and year ended March 31, 2026. The bank demonstrated robust growth, with a 20% year-on-year rise in total deposits to ₹44,246 crore and a 26% growth in net advances. The annual profit after tax (PAT) reached ₹633 crore, reflecting a 7% increase compared to the previous year, supported by significant performance in gold and wholesale loan segments.
Annual and Quarterly Financial Growth
CSB Bank showcased solid financial health for the fiscal year ending March 31, 2026. Annual profit after tax grew to ₹633 crore from ₹594 crore in the previous year. For the final quarter of the year (January-March 2026), the bank reported a profit of ₹202 crore, a 32% increase compared to the preceding quarter. Net interest income for the full year stood at ₹1,720 crore, marking a 17% growth over the prior fiscal year.
Business Performance and Asset Quality
The bank’s business expansion was driven by a 53% growth in gold loans and a 37% increase in the wholesale segment. Deposits reached ₹44,246 crore, reflecting a 20% year-on-year increase. Furthermore, the bank maintained strong capital adequacy with a ratio of 20.66%. Asset quality improved, with gross non-performing assets (GNPA) at 1.66% and net non-performing assets (NNPA) at 0.40% as of March 31, 2026, both representing a significant improvement over the levels reported in previous quarters.
Future Outlook
As the bank transitions into the ‘Scale Phase’ of its SBS 2030 vision, leadership remains committed to accelerating sustainable and profitable growth. Following successful migration to a new core banking system, the bank is focusing on enhancing operational efficiency, disciplined risk management, and strengthening its customer franchise to drive superior long-term value in the coming fiscal year.
Source: BSE
