On July 22, 2026, CSB Bank Limited released its unaudited financial results for the quarter ended June 30, 2026, as per the exchange filings.
The bank reported total income of ₹1,516.07 crore and net profit of 150.04 crore for the June 2026 quarter.
The bank's total income rose by 18% year-on-year (YoY) to ₹1,516.07 crore, compared to ₹1,285.65 crore in the same quarter of the previous year. Sequentially, the income increased by 0.6% from ₹1,507.07 crore in the March 2026 quarter.
The net profit for the June 2026 quarter grew by 26.5% YoY to ₹150.04 crore, although it declined by 25.6% quarter-on-quarter (QoQ) from ₹201.58 crore in the March 2026 quarter.
The bank's total income for the financial year 2026 stood at ₹5,681.79 crore, while the net profit for the same period was ₹633.18 crore.
Total deposits grew by 26% YoY to ₹45,415 crore as of June 30, 2026, from ₹35,935 crore a year earlier. The CASA ratio was 19% as on June 30, 2026.
Net advances increased by 24% YoY to ₹40,309 crore, driven by a 47% growth in gold loans and a 37% increase in wholesale lending.
Net Interest Income (NII) rose by 26% YoY to ₹479 crore for Q1 FY27, compared to ₹379 crore for Q1 FY26, and was up 3% QoQ from ₹464 crore for Q4 FY26.
Non-Interest Income was ₹229 crore for Q1 FY27, down from ₹245 crore for Q1 FY26 and ₹306 crore for Q4 FY26. The Cost Income Ratio (CIR) was 64.55% for Q1 FY27, slightly lower than 64.70% for Q1 FY26, but higher than 61.88% for Q4 FY26.
The cost to assets ratio improved to 3.31% in Q1 FY27 from 3.49% in Q1 FY26 and 3.63% in Q4 FY26.
Operating profit grew by 14% YoY to ₹251 crore for Q1 FY27 from ₹220 crore for Q1 FY26. The bank's capital adequacy ratio was 19.96%, above the regulatory requirement, but lower than 21.71% on June 30, 2025.
Gross non-performing assets (NPAs) were 1.75% as of June 30, 2026, compared to 1.66% on March 31, 2026, and 1.84% on June 30, 2025. Net NPAs were at 0.39% as of June 30, 2026, down from 0.40% on March 31, 2026, and 0.66% on June 30, 2025. The provision coverage ratio, including technical write-offs, was 86.83% as of June 30, 2026.
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As of July 22, 2026, at 2:12 PM, CSB Bank share price on NSE was trading at ₹342.05, down by 7.55% from the previous closing price.
CSB Bank Limited's total income increased by 18% YoY to ₹1,516.07 crore, with a net profit rise of 26.5% YoY to ₹150.04 crore for the June 2026 quarter. Deposits grew by 26% YoY to ₹45,415 crore, and net advances rose by 24% YoY to ₹40,309 crore.
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Published on: Jul 22, 2026, 2:54 PM IST
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