Archive · 24 Jul 2026
Capital Small Finance Bank targets 22% credit growth in FY27
Capital Small Finance Bank wants to grow its loans by 22% in the next fiscal year (FY27).
The bank's CEO, Sarvjit Singh Samra, talked about their plans to balance having enough money on hand (liquidity) and using it efficiently.
They want to open more branches in states like Haryana, Rajasthan, and soon Uttar Pradesh.
The bank is also keeping an eye on rising oil prices and the impact of a weak monsoon on farming loans.
They aim to have 300 branches by FY29 and increase their loan book to Rs 16,000 crore by then.
The bank is focusing on middle-income farmers and wants to improve its return on assets (ROA) to around 1.35-1.4% in FY27.
Capital Small Finance Bank targets 22% credit growth in FY27.
The bank aims to improve ROA to 1.35-1.4% in FY27.
Target CD ratio is set at 85-90% to balance liquidity and efficiency.
The bank plans to expand to 300 branches by FY29, focusing on Haryana, Rajasthan, and Uttar Pradesh.
Rising crude prices and weak monsoon are monitored as potential risks.
- Who
- Capital Small Finance Bank, led by MD & CEO Sarvjit Singh Samra
- What
- Targets 22% credit growth in FY27, aims to expand branches and maintain a balance between liquidity and efficiency
- When
- FY27 and FY29
- Where
- Primarily in Punjab, Haryana, Rajasthan, and plans to enter Uttar Pradesh
- Why
- To achieve sustainable growth, improve ROA, and expand market presence
Optimistic Growth Strategy
Potential Economic Concerns
Credit Growth Targets
Optimistic Growth Strategy
The bank aims for a 22% credit growth in FY27, with a focus on expanding the advances book to Rs 16,000 crore by FY29.
Potential Economic Concerns
Rising crude prices and weak monsoon could pose challenges to achieving these growth targets.
Deposit Growth
Optimistic Growth Strategy
The bank aims to maintain a balance between credit and deposit growth, targeting a CD ratio of 85-90%.
Potential Economic Concerns
Economic uncertainties may impact the bank's ability to achieve the desired deposit growth.
Branch Expansion
Optimistic Growth Strategy
The bank plans to expand its presence in Haryana, Rajasthan, and Uttar Pradesh, aiming for 300 branches by FY29.
Potential Economic Concerns
Expansion into new markets may bring operational challenges and increased competition.
- Target Credit Growth
- 22% in FY27
- Target CD Ratio
- 85-90%
- Target ROA
- 1.35-1.4% in FY27
- Target Advances Book
- Rs 16,000 crore by FY29
- Target Branches
- 300 by FY29
- Current LCR
- Above 180%
- Current Capital Adequacy Ratio
- 21.6%