CSB Bank Q2 FY27: Total income Rs 1,612.48 cr; PAT Rs 182.72 cr (+14% YoY)

• Basis: Standalone unaudited financial results for the quarter ended 30.09.2026, from the statement of financial results. • Comparative quarter: Standalone unaudited quarter ended 30.09.2025, from the same statement of financial results.

Key P&L lines (Q2 FY27 vs Q2 FY26)
(All figures from the statement of financial results, in Rs lakh)

• Total income (3. Total Income (1+2)): Rs 1,612.48 cr vs Rs 1,458.36 cr a year earlier.
• Interest earned (1. Interest earned (a)+(b)+(c)+(d)): Rs 1,338.97 cr vs Rs 1,109.16 cr.
• Other income (2. Other income): Rs 273.51 cr vs Rs 349.20 cr.
• Interest expended (4. Interest expended): Rs 829.04 cr vs Rs 685.60 cr.
• Operating expenses (5. Operating expenses (i)+(ii)): Rs 507.68 cr vs Rs 493.46 cr.
  • Employees cost (5.(i) Employees cost): Rs 266.25 cr vs Rs 228.14 cr.
  • Other operating expenses (5.(ii) Other operating expenses): Rs 241.43 cr vs Rs 265.32 cr.
• Total expenditure (6. Total Expenditure (4+5) (excluding provisions and contingencies)): Rs 1,336.72 cr vs Rs 1,179.06 cr.
• Operating profit before provisions and contingencies (7. Operating Profit before Provisions and Contingencies (3-6)): Rs 275.76 cr vs Rs 279.30 cr.
• Provisions (other than tax) and contingencies (8. Provisions (other than tax) and Contingencies): Rs 30.09 cr vs Rs 63.65 cr.
• Profit from ordinary activities before tax (10. Profit from Ordinary Activities before Tax (7-8-9)): Rs 245.67 cr vs Rs 215.65 cr.
• Tax expense (11. Tax expense): Rs 62.95 cr vs Rs 55.32 cr.
• Net profit for the period (14. Net Profit for the period (12-13)): Rs 182.72 cr vs Rs 160.33 cr.
• Paid-up equity share capital (15. Paid-up Equity Share Capital): Rs 173.54 cr vs Rs 173.54 cr.
• Basic EPS (17.(iii)(a) Basic EPS - before and after extraordinary items (in Rs)): Rs 10.53 vs Rs 9.24.
• Diluted EPS (17.(iii)(b) Diluted EPS - before and after extraordinary items (in Rs)): Rs 10.53 vs Rs 9.24.

According to the statement of financial results, CSB Bank’s standalone total income for the quarter ended 30.09.2026 increased to Rs 1,612.48 cr from Rs 1,458.36 cr in the corresponding quarter ended 30.09.2025, driven by higher interest earned of Rs 1,338.97 cr compared with Rs 1,109.16 cr. Other income declined to Rs 273.51 cr from Rs 349.20 cr over the same period.

Interest expended rose to Rs 829.04 cr from Rs 685.60 cr, while operating expenses moved to Rs 507.68 cr from Rs 493.46 cr. Within operating expenses, employees cost increased to Rs 266.25 cr from Rs 228.14 cr, and other operating expenses decreased to Rs 241.43 cr from Rs 265.32 cr. Operating profit before provisions and contingencies was Rs 275.76 cr versus Rs 279.30 cr a year earlier.

Provisions (other than tax) and contingencies were lower at Rs 30.09 cr compared with Rs 63.65 cr in the corresponding prior quarter. Profit from ordinary activities before tax rose to Rs 245.67 cr from Rs 215.65 cr, and tax expense was Rs 62.95 cr versus Rs 55.32 cr. Net profit for the period stood at Rs 182.72 cr, up from Rs 160.33 cr in the year-ago quarter. Basic and diluted EPS for the quarter were both Rs 10.53, compared with Rs 9.24 in the corresponding quarter of the previous year, as per the analytical ratios section of the statement of financial results.