Csb Bank Limited (CSBBANK)

About

CSB Bank Limited is a private sector bank with a market cap of ₹5,548 Cr. Over 21 months, quarterly revenue grew from ₹864.85 Cr (Sep 2024) to ₹1,287.32 Cr (Jun 2026), demonstrating operational momentum. The bank maintains operating margins at 57.19% average while delivering consistent quarterly profitability.

Founded: 1920
Face value: ₹10

Market cap

₹5,287 Cr

P/E

8.0×

P/B

1.1×

Dividend yield

0%

ROE

13.5%

ROCE

7%

Debt / equity

1.46

OPM

57.2%

EPS (TTM)

₹38.3

Book value

₹282.0

52-week high

—

52-week low

Key insights

Company research notes and source-linked reviews

Key risks

Net profit swings 70% across recent quarters (₹118.6 Cr to ₹201.58 Cr) despite stable operating margins—verify provisions, one-time items, and tax volatility driving the variance
EPS volatile (₹6.84 to ₹11.62) despite OPM consistency, suggesting pressure below the operating line—verify asset quality, provision trends, and credit costs
Stock down 26% YoY while reporting profits; trading near 52-week low of ₹316.95—verify market concerns about capital adequacy, dividend capacity, or growth sustainability
Debt-to-equity at 1.46—verify regulatory capital ratios and stress-testing headroom for downturns

Generated analysis · source review pending

Growth drivers

Revenue grew 49% from ₹864.85 Cr (Sep 2024) to ₹1,287.32 Cr (Jun 2026)—verify if growth reflects market share, lending volume, or cyclical strength that persists
Operating margins at 57.19% average, latest quarter 60.72%—verify if further expansion is sustainable or if margins are peaking
ROE at 13.48%—verify if capital deployment efficiency can improve through operational scale or higher-yield product mix
P/E of 8.35—verify if valuation discount reflects justified concerns or opportunity if earnings stabilize

Generated analysis · source review pending

1,686 historical price candles were omitted because the exchange source has not been verified.

₹304.8-3.6%1Y

Quick read

rule-based

Pros

+Healthy operating margin of 57.2%
+Profit CAGR of 23.7% over the last 5 years
+Revenue CAGR of 19.2% over the last 5 years

Cons

−Weak interest coverage of 1.3×

Research score

Structured signal from quality, growth, valuation and momentum.

70/100

Business quality: 34
Growth: 75
Valuation: 100

Revenue & net profit

₹ crore, by fiscal year

RevenuePAT

Margins

% of revenue, by fiscal year

OPMPAT margin

Peers

Comparable companies from the narrowest available industry classification.

Part ofNIFTY MICROCAP 250 NIFTY TOTAL MARKET

Screen this industry Compare top 5 side-by-side

Company	Mkt Cap	EV	Revenue	EBITDA	OPM	PAT	NPM	ROCE	ROE	WC Days
Idbi Bank LimitedIDBIIDBI	₹93,084 Cr	₹1,21,187 Cr	₹29,542 Cr	₹21,383 Cr	72.8%	₹9,343 Cr	31.8%	6.5%	14.2%	—
The Federal Bank LimitedFEDERALBNKFEDERALBNK	₹78,500 Cr	₹1,11,693 Cr	₹30,385 Cr	₹19,589 Cr	64.8%	₹4,692 Cr	15.1%	6.4%	11.4%	—
Idfc First Bank LimitedIDFCFIRSTBIDFCFIRSTB	₹69,254 Cr	₹1,05,886 Cr	₹41,958 Cr	₹14,462 Cr	35.6%	₹2,305 Cr	4%	6%	3.8%	—
Indusind Bank LimitedINDUSINDBKINDUSINDBK	₹69,094 Cr	₹1,11,884 Cr	₹45,297 Cr	₹22,203 Cr	49.3%	₹1,322 Cr	1.9%	5.7%	1.4%	—
Yes Bank LimitedYESBANKYESBANK	₹65,126 Cr	₹1,30,577 Cr	₹30,658 Cr	₹18,224 Cr	61.5%	₹3,775 Cr	11.6%	6%	7.1%	—
Rbl Bank LimitedRBLBANKRBLBANK	₹63,709 Cr	₹80,506 Cr	₹14,736 Cr	₹5,360 Cr	36.3%	₹899 Cr	6.1%	5.8%	5.4%	—
Bandhan Bank LimitedBANDHANBNKBANDHANBNK	₹28,355 Cr	₹42,658 Cr	₹21,844 Cr	₹10,127 Cr	46.9%	₹1,353 Cr	5.6%	6.4%	4.9%	—
Karur Vysya Bank LimitedKARURVYSYAKARURVYSYA	₹26,027 Cr	₹28,650 Cr	₹11,555 Cr	₹7,832 Cr	67.7%	₹2,745 Cr	22.7%	7.6%	19.3%	—
City Union Bank LimitedCUBCUB	₹17,092 Cr	₹22,419 Cr	₹7,249 Cr	₹4,979 Cr	69.6%	₹1,403 Cr	19.3%	6.7%	13.2%	—
The Jammu & Kashmir Bank LimitedJ&KBANKJ&KBANK	₹15,415 Cr	₹18,846 Cr	₹13,429 Cr	₹9,521 Cr	70.6%	₹2,301 Cr	17.9%	5.8%	15.3%	—
Tamilnad Mercantile Bank LimitedTMBTMB	₹13,813 Cr	₹14,513 Cr	₹6,096 Cr	₹4,458 Cr	74.1%	₹1,444 Cr	23%	7.5%	14%	—
The South Indian Bank LimitedSOUTHBANKSOUTHBANK	₹12,420 Cr	₹16,347 Cr	₹10,112 Cr	₹6,746 Cr	66.3%	₹1,511 Cr	14.8%	6.4%	13.5%	—

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Financials

Reported profit and loss, balance sheet, cash flow and growth history.

Annual Quarterly

Standalone figures · ₹ crore · years without a filed annual are summed from quarters

₹ Cr	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	1,510	1,872	2,038	2,320	2,928	3,597	4,505
Interest	918	931	885	986	1,451	2,121	2,785
Expenses	680	1,050	748	972	1,244	1,570	1,929
Financing profit	-88	-108	405	362	233	-94	-208
Financing margin %	-5.8%	-5.8%	19.9%	15.6%	8%	-2.6%	-4.6%
Other income	222	401	247	316	584	972	1,177
Depreciation	—	—	38	—	56	79	117
Profit before tax	134	293	614	734	761	800	851
Tax	121	74	156	186	195	206	218
Tax %	90.5%	25.4%	25.4%	25.4%	25.6%	25.7%	25.6%
PAT	13	218	458	547	567	594	633
EPS (₹)	0.9	12.6	26.4	31.6	32.7	34.2	36.5
EPS adjusted (₹)	0.7	12.6	26.4	—	32.7	34.2	36.5
Gross NPA %	3.5%	2.7%	1.8%	1.3%	1.5%	1.6%	1.7%
Net NPA %	1.9%	1.2%	0.7%	0.4%	0.5%	0.5%	0.4%
Annual report	Annual report for Mar 2020	Annual report for Mar 2021	Annual report for Mar 2022	Annual report for Mar 2023	Annual report for Mar 2024	Annual report for Mar 2025	Annual report for Mar 2026

₹ Cr	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2024	Mar 2025	Mar 2026
Equity capital	86	174	174	174	174	174	174
Reserves	694	1,787	2,007	2,478	3,630	4,324	4,721
Deposits	15,124	15,791	19,140	20,188	29,719	36,861	44,246
Borrowings	0	794	1,426	2,007	1,757	5,546	7,154
Other liabilities	1,007	319	591	509	776	931	1,432
Total equity & liabilities	16,911	18,864	23,337	25,356	36,056	47,836	57,727
Fixed assets	218	228	269	288	406	629	710
Investments	4,028	5,360	6,126	7,012	7,551	11,389	11,955
	12,666	13,276	16,942	18,057	28,099	35,818	45,061
Total assets	16,911	18,864	23,337	25,356	36,056	47,836	57,727

₹ Cr	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-893	-1,109	1,374	-858	0	1,783	-5,256	-314
	-22	-235	-1,231	136	0	-1,439	1,904	-790
	674	1,310	632	581	0	974	3,789	1,608
Net cash flow	—	-34	775	-140	0	1,318	437	505
Free cash flow	-916	-1,153	1,317	-914	0	1,665	-5,556	-505
CFO / Operating profit %	—	-133.6%	167%	-66.5%	—	105.9%	-259.3%	-12.2%

Segment results

As reported in NSE results XBRL. Segment result is before tax and finance costs. ROCE uses that annual result divided by segment assets less liabilities.

Source XBRL ↗

Latest reported period · 31 Mar 2026 · ₹ crore

Segment	Revenue	Result	Assets	Liabilities	Capital employed	ROCE %
Retail Banking	3,104.83	604.66	29,242.87	23,835.56	5,407.31	11.18
Corporate/Wholesale Banking	1,505.75	100.97

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Ratios

Annual operating, return, leverage and working-capital ratios.

Standalone figures

Ratio	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Margins
PAT margin %	0.8%	11.7%	22.5%	23.6%	19.4%	16.5%	14.1%
Return ratios
Return on assets %	0.1%	0.9%	1.8%	—	1.6%	1.2%	1.1%
Return on capital employed %	5.7%	5.9%	6.3%	2.5%	6.3%	7.1%	7%
Return on equity %	0.6%	10%	17.3%	—	14.9%	13.2%	12.9%

Derived from reported annual statements. ROCE uses EBIT over capital employed (total assets less current liabilities). Margin, working-capital and leverage ratios are omitted: a bank funds itself with deposits and books interest as its cost of revenue, so they would measure something other than what they name.

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Shareholding

Quarterly ownership, named holders, insider transactions and disclosed deals.

Quarterly Annual

Every quarter filed · % of equity

Holder (%)	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	49.72%	49.72%	49.72%	40%	40%	40%	40%	40%	40%	40%	40%	40%
	4.65%	4.62%	4.92%	12.43%	12.7%	12.8%	13.07%	15.37%	14.23%	14.16%	12.84%	12.63%
	14.4%	16.12%	16.01%	18.77%	17.65%	17.06%	16.88%	14.63%	16.1%	15.63%	15.22%	15.06%
Government	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
	28.34%	26.68%	26.73%	26.26%	27.12%	27.62%	27.65%	27.61%	27.28%	27.86%	29.63%	30.11%
No. of shareholders	—	—	—	—	—	—	—	—	64,754	63,067	65,328	67,652

Promoter holding down 9.72 percentage points since Sep 2023.

28 deals · 21 Oct 2022 – 27 Jun 2024

Date	Client	Type	Venue	Side	Quantity	Price	Value
27 Jun 2024	FIH MAURITIUS INVESTMENTS LTD	Bulk	NSE	Sell	1,68,68,645	₹352.75	₹595.04 Cr
27 Jun 2024	FIH MAURITIUS INVESTMENTS LTD	Block	NSE	Sell	1,68,68,645	₹352.75	₹595.04 Cr
27 Jun 2024	AMANSA HOLDINGS PRIVATE LIMITED	Bulk	NSE	Buy	82,77,500	₹352.75	₹291.99 Cr
27 Jun 2024	AMANSA HOLDINGS PRIVATE LIMITED	Block	NSE	Buy	82,77,500	₹352.75	₹291.99 Cr
27 Jun 2024	INDIA ACORN ICAV - ASHOKA INDIA OPPORTUNITIES FUND	Block	NSE	Buy	16,06,000	₹352.75	₹56.65 Cr
27 Jun 2024	INDIA ACORN ICAV - ASHOKA INDIA OPPORTUNITIES FUND	Bulk	NSE	Buy	16,06,000	₹352.75	₹56.65 Cr
27 Jun 2024	ICICI PRUDENTIAL MUTUAL FUND	Block	NSE	Buy	12,00,000	₹352.75	₹42.33 Cr
27 Jun 2024	ICICI PRUDENTIAL MUTUAL FUND	Bulk	NSE	Buy	12,00,000	₹352.75	₹42.33 Cr
27 Jun 2024	ABU DHABI INVESTMENT AUTHORITY - WAY	Block	NSE	Buy	10,15,000	₹352.75	₹35.80 Cr
27 Jun 2024	ABU DHABI INVESTMENT AUTHORITY - WAY	Bulk	NSE	Buy	10,15,000	₹352.75	₹35.80 Cr

1–10 of 28

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Mr. Biswamohan MahapatraNon-Executive - Independent Director-Chairperson
Mr. Pralay MondalExecutive Director-CEO-MD
Mr. Bellur Krishna Bhat DivakaraExecutive Director
Mr. Sumit MaheshwariNon-Executive - Non Independent Director
Ms. Sheetal Rupesh SanchetiNon-Executive - Non Independent Director
Ms. Sharmila Abhay KarveNon-Executive - Independent Director
Mr. Choksey Sudhin BhagwandasNon-Executive - Independent Director
Mr. Sharad Kumar SaxenaNon-Executive - Independent Director
Ms. Renu KohliNon-Executive - Independent Director
Mr. Satish GundewarChief Financial Officer
Mr. Satyendra SharmaChief Risk Officer

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F&O

Current futures and options contracts with compact option-chain pages.

Not in the F&O segment

Only about 210 stocks have listed futures and options. Contracts appear here for those, refreshed after each close.

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Fund holders

Mutual-fund schemes that disclosed a holding in the company.

Portfolio month

Schemes holding

11

across 7 fund houses

Held by these funds

9.43%

of the company's equity

All mutual funds

12.57%

shareholding pattern, Jun 2026

Portfolios as of

August 2026

compared with July 2026

11 schemes · 7 fund houses

		Shares
Smallcap Fund	SBI Mutual Fund	1.1 Cr	377.91	0.89%	6.34%	-0
Multi Cap FundNEW	ICICI Prudential Mutual Fund	17.02 L	58.49	0.3%	0.981%	—
Small Cap Fund	DSP Mutual Fund	15.06 L	51.75	0.24%	0.868%	-0
Banking & Financial Services Fund	ICICI Prudential Mutual Fund	13.99 L	48.08	0.42%	0.807%	-0
(Investment Manager for Motilal Oswal Mutual Fund)	Motilal Oswal Mutual Fund	2.59 L	8.91	0.36%	0.149%	-5,675
(LIVE SCHEMES)	ITI Mutual Fund	1.93 L	6.64	1.44%	0.111%	-0
Small Cap FundNEW	ICICI Prudential Mutual Fund	1.62 L	5.57	0.06%	0.093%	—
Small Cap Fund	Quantum Mutual Fund	1.28 L	4.39	1.65%	0.074%	-0

1–8 of 11

1 / 2

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Documents

Annual reports, exchange filings, offer documents, ratings and earnings-call material.

Announcements

30

Annual reports

7

Credit ratings

3

Investor Presentation and earnings call

5

Jul 2026Transcript AI Summary PPT REC
May 2026Transcript AI Summary PPT

Documents link to external sources (exchange filings, company investor pages).

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Events

Upcoming dates and the company’s corporate-action history.

1

Board meeting to consider results22 Jul 2026

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Announcements

Latest exchange announcements, filings and downloadable documents.

1 month 3 months 6 months 1 year All

43 announcementsExport CSV

1 Oct 2026, 10:29 pmCompany Update

Business Updates For The Quarter Ended September 30, 2026

General PDF

22 Sept 2026, 5:57 pmInsider Trading / SAST

Closure of Trading Window

Closure of Trading Window PDF

9 Sept 2026, 10:42 amCompany Update

Clarification / Confirmation On News Item Appearing In 'Media/ Publication'

General PDF

8 Sept 2026, 10:09 pmCompany Update

Approval Granted By Reserve Bank Of India To ICICI Prudential Asset Management Company Limited To Acquire 'Aggregate Holding' Of Up To 9.95% Of The Paid-Up Share Capital Or Voting Rights In CSB Bank Limited

General PDF

8 Sept 2026, 6:51 pmCompany Update

Clarification sought from CSB Bank Ltd

Clarification

8 Sept 2026, 5:58 pmCompany Update

Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome

Analyst / Investor Meet PDF

8 Sept 2026, 1:06 pmCompany Update

Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome

Analyst / Investor Meet PDF

5 Sept 2026, 5:15 pmCompany Update

Disclosure Of ESG Rating Assigned To The Bank By Crisil ESG Ratings & Analytics Limited

General PDF

Date	Category	Subject	Filing
1 Oct 2026, 10:29 pm	Company Update General	Business Updates For The Quarter Ended September 30, 2026	PDF
22 Sept 2026, 5:57 pm	Insider Trading / SAST Closure of Trading Window	Closure of Trading Window	PDF

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Csb Bank Limited

About

Key insights

Key risks

Growth drivers

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Segment results

Ratios

Shareholding

F&O

Not in the F&O segment

Fund holders

Documents

Announcements

Annual reports

Credit ratings

Investor Presentation and earnings call

Events

1

Announcements

Not in the F&O segment

1

Announcements

Annual reports

Credit ratings

Investor Presentation and earnings call

Segment results

Compounded sales growth

Compounded profit growth

Return on equity

Corporate / Wholesale Banking · revenue

Csb Bank Limited

About

Key insights

Key risks

Growth drivers

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Profit & loss

Balance sheet

Cash flow

Segment results

Ratios

Ratio timeline

Shareholding

Quarterly record

Bulk & block deals

Board and management

F&O

Not in the F&O segment

Fund holders

Documents

Announcements

Annual reports

Credit ratings

Investor Presentation and earnings call

Events

Board meetings1

Announcements

Ratio timeline

Not in the F&O segment

Board meetings1

Announcements

Annual reports

Credit ratings

Investor Presentation and earnings call

Quarterly record

Bulk & block deals

Board and management

Profit & loss

Balance sheet

Cash flow

Segment results

Compounded returns

Compounded sales growth

Compounded profit growth

Return on equity

Corporate / Wholesale Banking · revenue

1

1