CSBBANK

CSB Bank Limited

Private bank with corporate, gold and retail banking franchises

Financial Services›Financial Services›Banks›Private Sector Bank

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Key metrics

Price as of 2026-10-16

Stock price
₹308.90
Market cap
5,358 Cr
Stock P/E
8.1
P/B
1.09
ROE (FY26)
13.4%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

CSB Bank is a private sector bank that lends to wholesale and corporate clients, retail and MSME (micro, small and medium enterprise) customers and farmers, with gold loans as its largest lending line, and takes deposits from retail and bulk depositors.

Company snapshot

19thBy market cap

Ranked among 20 companies in Private Sector Bank.

Segment mix

Reportable segments as of 2024-12-31 (Standalone). Revenue share = segment revenue ÷ total revenue.

Largest segment: 57.7% of revenue

SegmentRevenue shareRevenuePBTAssets
Corporate/Wholesale Banking
23.3%
749 Cr83 Cr—
Other Banking Operations
2.9%
94 Cr33 Cr—
Retail Banking
57.7%
1,850 Cr388 Cr—
Treasury
16.1%
515 Cr41 Cr—

What we see

Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.

Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Standalone only

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income344 Cr383 Cr386 Cr362 Cr367 Cr375 Cr371 Cr379 Cr424 Cr453 Cr464 Cr479 Cr
Other income148 Cr125 Cr197 Cr172 Cr199 Cr219 Cr381 Cr245 Cr349 Cr276 Cr306 Cr229 Cr
Net operating income492 Cr508 Cr583 Cr534 Cr567 Cr595 Cr753 Cr624 Cr773 Cr730 Cr770 Cr707 Cr
Employee cost176 Cr173 Cr190 Cr177 Cr185 Cr196 Cr196 Cr221 Cr228 Cr232 Cr251 Cr253 Cr
Other expenses142 Cr139 Cr165 Cr184 Cr182 Cr178 Cr240 Cr183 Cr265 Cr206 Cr225 Cr204 Cr
Provisions & contingencies-3 Cr-5 Cr22 Cr20 Cr14 Cr17 Cr60 Cr61 Cr64 Cr87 Cr23 Cr49 Cr
Depreciation————————————
Profit before tax178 Cr200 Cr206 Cr152 Cr186 Cr204 Cr257 Cr160 Cr216 Cr205 Cr271 Cr202 Cr
Tax %25.2%25.2%26.6%25.7%25.8%25.7%25.8%25.7%25.7%25.7%25.5%25.6%
Net profit133 Cr150 Cr151 Cr113 Cr138 Cr152 Cr190 Cr119 Cr160 Cr153 Cr202 Cr150 Cr
EPS (₹)₹7.68₹8.64₹8.73₹6.53₹7.98₹8.74₹10.98₹6.84₹9.24₹8.80₹11.62₹8.65

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income440 Cr592 Cr941 Cr1,153 Cr1,334 Cr1,476 Cr1,476 Cr1,720 CrSign in free for the trailing twelve months
Other income136 Cr222 Cr401 Cr247 Cr316 Cr584 Cr972 Cr1,177 CrSign in free for the trailing twelve months
Net operating income576 Cr814 Cr1,342 Cr1,400 Cr1,650 Cr2,061 Cr2,448 Cr2,897 CrSign in free for the trailing twelve months
Employee cost—331 Cr496 Cr482 Cr559 Cr715 Cr754 Cr932 CrSign in free for the trailing twelve months
Other expenses—202 Cr233 Cr305 Cr384 Cr566 Cr784 Cr879 CrSign in free for the trailing twelve months
Provisions & contingencies313 Cr147 Cr321 Cr-0.51 Cr-26 Cr18 Cr111 Cr234 CrSign in free for the trailing twelve months
Depreciation————————Sign in free for the trailing twelve months
Profit before tax-300 Cr134 Cr293 Cr614 Cr734 Cr761 Cr800 Cr851 CrSign in free for the trailing twelve months
Tax %34.2%90.5%25.3%25.4%25.4%25.6%25.7%25.6%Sign in free for the trailing twelve months
Net profit-197 Cr13 Cr218 Cr458 Cr547 Cr567 Cr594 Cr633 CrSign in free for the trailing twelve months
EPS (₹)₹-23.73₹0.88₹12.59₹26.43₹31.55₹32.67₹34.23₹36.50Sign in free for the trailing twelve months
Dividend payout %——0.0%0.0%0.0%0.0%0.0%0.0%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital86 Cr174 Cr174 Cr174 Cr174 Cr174 Cr174 Cr174 Cr
Reserves1,346 Cr1,787 Cr2,007 Cr2,478 Cr3,030 Cr3,454 Cr4,150 Cr4,550 Cr
Borrowings0 Cr794 Cr1,426 Cr2,007 Cr783 Cr1,757 Cr5,546 Cr7,154 Cr
Other liabilities15,479 Cr16,110 Cr19,731 Cr20,698 Cr25,176 Cr30,671 Cr37,966 Cr45,849 Cr
Total liabilities16,911 Cr18,864 Cr23,337 Cr25,356 Cr29,162 Cr36,056 Cr47,836 Cr57,727 Cr
Fixed assets (net)218 Cr228 Cr269 Cr288 Cr319 Cr406 Cr629 Cr710 Cr
CWIP————————
Investments4,028 Cr5,360 Cr6,126 Cr7,012 Cr5,849 Cr7,551 Cr11,389 Cr11,955 Cr
Loans & advances10,615 Cr11,366 Cr14,438 Cr15,815 Cr20,651 Cr24,336 Cr31,507 Cr39,848 Cr
Cash & bank725 Cr548 Cr736 Cr948 Cr1,470 Cr3,090 Cr3,187 Cr4,017 Cr
Other assets1,325 Cr1,362 Cr1,768 Cr1,294 Cr874 Cr673 Cr1,124 Cr1,197 Cr
Total assets16,911 Cr18,864 Cr23,337 Cr25,356 Cr29,162 Cr36,056 Cr47,836 Cr57,727 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-893 Cr-507 Cr1,374 Cr-858 Cr2,211 Cr1,783 Cr-5,256 Cr-314 Cr
Cash from investing-22 Cr-44 Cr-1,231 Cr136 Cr-724 Cr-1,439 Cr1,904 Cr-790 Cr
Cash from financing674 Cr516 Cr632 Cr581 Cr-1,224 Cr974 Cr3,789 Cr1,608 Cr
Net cash flow-242 Cr-34 Cr775 Cr-140 Cr263 Cr1,318 Cr437 Cr505 Cr
Free cash flow (OCF − Capex)-916 Cr-551 Cr1,317 Cr-914 Cr2,136 Cr1,665 Cr-5,556 Cr-505 Cr

Ratios

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %-13.8%0.6%10.0%17.3%17.1%15.6%13.7%13.4%

Regulatory ratios (standalone basis)

RBI ratios for the bank itself (standalone filing), on both views.

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA—409 Cr393 Cr290 Cr263 Cr361 Cr498 Cr670 Cr
Gross NPA %—3.5%2.7%1.8%1.3%1.5%1.6%1.7%
Net NPA—217 Cr169 Cr107 Cr72 Cr125 Cr164 Cr158 Cr
Net NPA %—1.9%1.2%0.7%0.4%0.5%0.5%0.4%
CET1 %—21.8%21.4%25.9%27.1%23.1%20.6%18.9%
Additional Tier 1 %—0.0%0.0%0.0%0.0%0.0%1.9%0.0%
ROA %—0.1%1.0%1.9%2.1%1.8%1.5%1.3%