CSB Bank Limited share price

Key numbers

Market cap

₹ 5,655 Cr

Current price

₹ 333.70

52-week high / low

₹ 574 / 295

Stock P/E

8.7

Book value

₹ 282.1

Dividend yield

0.00%

ROCE

33.4%

ROE

13.5%

Debt to equity

1.46

Sales growth (3 yrs)

20.6%

Profit growth (3 yrs)

5.0%

1-year return

-6.8%

About CSB Bank Limited

CSB Bank Limited provides banking and financial services for small and mid-sized enterprises, large corporates and conglomerates, and domestic and non-resident individuals in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers savings, current, salary/payroll, and fixed and recurring deposit accounts, as well as safe deposit lockers, family banking, and segmented products; life, general, and health insurance, as well as social security schemes; personal, gold, retail, vehicle, home, MSME-small business, agriculture, educational, MFI, and two-wheeler loans, as well as healthcare finance; loans against securities and property; doorstep banking services, such as pickup and delivery of cash and cheques, and pickup of cheques; and corporate net banking. It also provides investment services, such as e-trade and sovereign gold bonds; credit and debit cards; NRI banking services, including NRO, NRE, and RFC accounts and deposits, as well as FCNR deposits; premier banking products; digital access and value-added services; foreign exchange services, including outward remittances and foreign currency…

Quarterly results

Consolidated figures in ₹ crores

Concall summary (2026-07-29)

AI summary of the earnings call transcript · tone: Positive · source document

Guidance & outlook

• On the CSB specific results, key highlights on the profitability side - Net profit stood at Rs.150 Crores for Q1 FY2027, with a 27% Y-o-Y growth over Q1 FY2026.
• Cost- to-income ratio for Q1 FY2027 was marginally lower than Q1 FY2026 and stood at 64.55%.

Growth & demand

• Depo sits recorded a strong Y- o-Y growth of 26%, significantly outpacing the industry growth rate of 13 .4%.
• On the asset side, the advances grew by 24% Y-o- Y as against industry growth of 18.6%.

Margins & costs

• India 's annual retail inflation rate based on consumer price index, rose to an 18 month high of 4.38%, which is still a pro visional number in June 2026.
• Importantly, in contrast to the broader industry patterns, deposit growth outpaced advances growth, resulting in a favourable improvement in our credit deposit ratio, which is now marginally below 90%.

Capex & expansion

• On the liability side, we are enhancing our sales capabilities , deepening our distribution reach and driving greater alignment across customer acquisition chan nels.
• W e are rolling out our retail liability acquisition channel, because now we can launch the products we want to.

Balance sheet & cash

• To aid liquidity, we also availed both domestic a nd FCY borrowings based on cost considerations.
• Looking ahead, our objective is not merely to grow, but to grow efficie ntly by improving operating leverage, increasing employee productivity, deepening customer engagement, and accelerating the payback from our technology transformation initiati ves.

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