Results Snapshot
Figures in Cr
Standalone Nine Monthly Results
Dec'25
Dec'24
Dec'23
Dec'22
Dec'21
Dec'20
Dec'19
Interest Earned
3,304.33
2,616.25
2,132.66
1,683.16
1,518.75
1,375.18
1,120.97
Income On Investments
561.72
438.84
300.73
304.44
281.68
354.56
230.74
Interest On Balances With Rbi Other Inter Bank Funds
22.80
13.05
10.26
9.16
41.56
2.23
3.28
Interest / Discount On Advances / Bills
2,711.51
2,143.13
1,799.96
1,359.46
1,185.04
993.20
865.84
Others
8.30
21.23
21.71
10.10
10.47
25.19
21.11
Other Income
870.39
590.59
387.78
189.69
183.19
239.37
135.03
Total Income
4,174.72
3,206.84
2,520.44
1,872.85
1,701.94
1,614.55
1,256.00
Interest Expended
2,048.17
1,511.35
1,042.29
697.76
669.28
709.49
686.22
Net Interest Income
1,256.16
1,104.90
1,090.37
985.40
849.47
665.69
434.75
Total Expenditure (Excl Depreciation)
1,334.83
1,102.00
926.22
669.57
560.99
469.92
396.20
Employee Cost
681.00
557.91
524.70
399.48
338.46
317.59
252.32
Other Operating Expenses
653.83
544.09
401.52
270.09
222.53
152.33
143.88
Operating Profit Before Provisions and Contingencies
791.72
593.49
551.93
505.52
471.67
435.14
173.58
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
211.21
50.50
-3.13
-17.01
33.59
200.60
62.25
Profit Before Tax
580.51
542.99
555.06
522.53
438.08
234.54
111.33
Tax
148.91
139.63
139.70
131.51
110.26
59.03
38.92
Profit After Tax
431.60
403.36
415.36
391.02
327.82
175.51
72.41
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
431.60
403.36
415.36
391.02
327.82
175.51
72.41
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
1,690.09
Diluted Earnings per share
8.8
8.74
8.64
8.99
8.55
3.06
1.63
Operating Profit Margin (Excl OI)
59.6%
57.88%
56.57%
60.22%
63.06%
65.83%
64.66%
Gross Profit Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
PAT Margin
13.06%
15.42%
19.48%
23.23%
21.58%
12.76%
6.46%
Net Interest Margin
3.86%
4.11%
5.1%
5.8%
5.41%
5.17%
3.92%
Return on Assets
0.0%
0.0%
1.84%
2.37%
0.0%
0.0%
0.0%
CASA (%)
20.55%
24.07%
27.58%
31.44%
34.57%
30.4%
28.56%
CASA Amount
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
19.41%
21.08%
22.99%
25.78%
20.74%
21.02%
23.0%
Capital Adequacy Ratio (Tier 1)
17.66%
19.73%
21.6%
24.27%
19.38%
19.77%
22.34%
Provision Coverage Ratio (%)
79.87%
81.47%
91.85%
91.93%
82.95%
91.03%
80.31%
Amount of Gross NPAs
729.42
458.17
278.73
271.29
388.95
234.89
352.63
Amount of Net NPAs
245.66
182.71
70.23
77.66
199.74
89.52
213.74
% of Net NPAs
0.67%
0.64%
0.31%
0.42%
1.36%
0.68%
1.98%
% of Gross NPAs
1.96%
1.58%
1.22%
1.45%
2.62%
1.77%
3.22%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
818.0
777.0
570.0
516.0
410.0
319.0
0.0
Number of Branches
846.0
807.0
747.0
648.0
559.0
454.0
411.0
Nine Monthly Analysis Highlights
Interest Earned
YoY Growth in nine months ended Dec 2025 is 26.3% vs 22.68% in Dec 2024
Net Profit
YoY Growth in nine months ended Dec 2025 is 7.00% vs -2.89% in Dec 2024
Operating Profit (PBDIT)
YoY Growth in nine months ended Dec 2025 is 33.40% vs 7.53% in Dec 2024
% of Net NPAs
YoY Growth in nine months ended Dec 2025 is 0.03% vs 0.33% in Dec 2024
% of Gross NPAs
YoY Growth in nine months ended Dec 2025 is 0.38% vs 0.36% in Dec 2024
Compare Nine Monthly Results Of CSB Bank With
Figures in Cr
Standalone Nine Monthly Results
Change(INR)
Change(%)
Interest Earned
3,304.33
0
3,304.33
Income On Investments
561.72
0
561.72
Interest On Balances With Rbi Other Inter Bank Funds
22.80
0
22.80
Interest / Discount On Advances / Bills
2,711.51
0
2,711.51
Others
8.30
0
8.30
Other Income
870.39
0
870.39
Total Income
4,174.72
0
4,174.72
Interest Expended
2,048.17
0
2,048.17
Net Interest Income
1,256.16
0
1,256.16
Total Expenditure (Excl Depreciation)
1,334.83
0
1,334.83
Employee Cost
681.00
0
681.00
Other Operating Expenses
653.83
0
653.83
Operating Profit Before Provisions and Contingencies
791.72
0
791.72
Exceptional Items
0.00
0
0.00
Provisions and contingencies
211.21
0
211.21
Profit Before Tax
580.51
0
580.51
Tax
148.91
0
148.91
Profit After Tax
431.60
0
431.60
Extraordinary Items
0.00
0
0.00
Prior Period Expenses
0.00
0
0.00
Other Adjustments
0.00
0
0.00
Net Profit
431.60
0
431.60
Face Value
10.00
0
0.00
Reserves
0.00
0
0.00
Gross Profit Margin
0.00%
0.00%
0.00
0.00%
PAT Margin
13.06%
0.00%
0.00
13.06%
Net Interest Margin
3.86%
0%
3.86
3.86%
Return on Assets
0.00%
0%
0.00
0.00%
CASA (%)
20.55%
0%
20.55
20.55%
CASA Amount
0.00
0
0.00
Capital Adequacy Ratio (Total)
19.41%
0%
19.41
19.41%
Capital Adequacy Ratio (Tier 1)
17.66%
0%
17.66
17.66%
Provision Coverage Ratio (%)
79.87%
0%
79.87
79.87%
Amount of Gross NPAs
729.42
0
729.42
Amount of Net NPAs
245.66
0
245.66
% of Net NPAs
0.67%
0%
0.67
0.67%
% of Gross NPAs
1.96%
0%
1.96
1.96%
Public Share Holdings (%)
0.00%
0%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0%
0.00
0.00%
Pledged Capital (%)
0.00%
0%
0.00
0.00%
Number of ATMs
818.00
0
818.00
Number of Branches
846.00
0
846.00
Nine Monthly - Interest Earned
Interest Earned 3304.33 Cr
in Dec 2025Figures in Cr
YoY Growth in nine months ended Dec 2025 is 26.3% vs 22.68% in Dec 2024
Nine Monthly - Net Profit
Net Profit 431.60 Cr
in Dec 2025Figures in Cr
YoY Growth in nine months ended Dec 2025 is 7.00% vs -2.89% in Dec 2024
Nine Monthly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 791.72 Cr
in Dec 2025Figures in Cr
YoY Growth in nine months ended Dec 2025 is 33.40% vs 7.53% in Dec 2024
Nine Monthly - % of Net NPAs
% of Net NPAs 0.67%
in Dec 2025Figures in %
YoY Growth in nine months ended Dec 2025 is 0.03% vs 0.33% in Dec 2024
Nine Monthly - % of Gross NPAs
% of Gross NPAs 1.96%
in Dec 2025Figures in %
YoY Growth in nine months ended Dec 2025 is 0.38% vs 0.36% in Dec 2024