CSB Bank Q1 Results FY27: Net Profit Rises 26.5% to Rs 150 Crore but Stock Falls 6.7%
- July 22, 2026
- Posted by: Kashish Aggarwal
- Category: News
CSB Bank Q1 FY27: PAT Rs 150 Cr, up 26.5% YoY. NII up 26% at Rs 479 Cr. Operating profit up 13.8% at Rs 251 Cr. Gross NPA 1.75% vs 1.66% QoQ. Stock down 6.7% at Rs 345.20.
CSB Bank Q1 results FY27 were announced on Wednesday, 22 July 2026, with the company reporting the numbers summarised below on a standalone basis for the quarter ended 30 June 2026.
Shares of CSB Bank fell 6.70 to Rs 345.20 on the NSE on the results day. The private sector bank posted double digit profit growth but the stock fell sharply, likely on the sequential rise in provisions and a modest uptick in gross NPA.
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CSB Bank Q1 Results FY27 Key Takeaways
Here are the most important numbers from the CSB Bank Q1 results FY27 at a glance.
- Net Interest Income: Rs 479 Cr in Q1 FY27 versus Rs 380 Cr in Q1 FY26, up 26% year on year.
- Operating Profit: Rs 251 Cr in Q1 FY27 versus Rs 220 Cr in Q1 FY26, up 13.8% year on year.
- Net Profit (PAT): Rs 150 Cr in Q1 FY27 versus Rs 119 Cr in Q1 FY26, up 26.5% year on year.
- CSB Bank share price fell 6.70 to Rs 345.20 on the NSE on the results day.
CSB Bank Q1 Results FY27 Financial Highlights
The table below summarises the standalone numbers reported in the CSB Bank Q1 results FY27 against the year ago quarter.
| Metric | Q1 FY27 | Q1 FY26 | YoY Change |
|---|---|---|---|
| Net Interest Income | Rs 479 Cr | Rs 380 Cr | +26% |
| Operating Profit | Rs 251 Cr | Rs 220 Cr | +13.8% |
| Net Profit (PAT) | Rs 150 Cr | Rs 119 Cr | +26.5% |
All figures are for the quarter ended 30 June 2026. Provisions stood at Rs 49 crore versus Rs 60.8 crore a year ago, but rose from Rs 23 crore in the preceding March quarter. Gross NPA was 1.75% against 1.66% and Net NPA was 0.39% against 0.40%, both compared sequentially.
CSB Bank Q1 Results FY27 Performance Analysis
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The CSB Bank Q1 results FY27 show healthy core banking growth, with NII up 26% closely tracking the 26.5% PAT growth, while operating profit growth of 13.8% lagged both, pointing to some cost pressure at the pre-provision level.
Asset quality in the CSB Bank Q1 results FY27 tells a mixed story on a sequential basis. Gross NPA edged up to 1.75% from 1.66% quarter on quarter, while Net NPA improved marginally to 0.39% from 0.40%. Provisions rose sharply to Rs 49 crore from Rs 23 crore in the preceding quarter, even though they fell year on year from Rs 60.8 crore, suggesting the bank set aside more buffer this quarter despite the year on year improvement in the headline profit number.
The sharp 6.7% stock decline despite a 26.5% profit beat likely reflects the market’s focus on the sequential asset quality trend and the provisioning increase rather than the healthy year on year growth headline, a pattern that has repeated across several bank results this season.
CSB Bank Q1 Results FY27: Key Business Factors
1. Strong NII Growth
Net interest income growing 26% in the CSB Bank Q1 results FY27 confirms healthy core lending and margin performance for the quarter.
2. Sequential Provisioning Increase
Provisions rising to Rs 49 crore from Rs 23 crore quarter on quarter, even as they fell year on year, is the detail likely behind the sharp stock reaction.
3. Marginal Sequential Asset Quality Softening
Gross NPA ticking up to 1.75% from 1.66% sequentially in the CSB Bank Q1 results FY27, even with Net NPA improving slightly, warrants continued monitoring into the September quarter.
Dividend Details
Any dividend announcement accompanying the June 2026 quarter results will be reflected in the company’s official NSE and BSE filings. Investors should rely on those filings for dividend confirmation rather than secondary sources.
CSB Bank Q1 Results FY27 Outlook for the Full Year
After the CSB Bank Q1 results FY27, the key question is whether the sequential rise in provisions and gross NPA reflects a one quarter blip or the start of a slower asset quality trend. Continued NII growth alongside stable to improving sequential asset quality would be needed to rebuild investor confidence.
CSB Bank Stock Performance After the Q1 Results
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CSB Bank share price fell 6.70 to Rs 345.20 on the NSE after the CSB Bank Q1 results FY27, as the market weighed the quarter’s numbers.
Investors can compare the trend of the counter with the Bank Nifty index to judge how the stock is placed relative to the broader market after the CSB Bank Q1 results FY27.
Key Risks
Investors going through the fine print of the CSB Bank Q1 results FY27 should also weigh the following risks.
1. Sequential Asset Quality Trend
The uptick in gross NPA and sharp rise in provisions on a sequential basis in the CSB Bank Q1 results FY27 is the primary concern investors flagged, and needs to reverse in coming quarters.
2. Provisioning Volatility
A near doubling of sequential provisions can pressure near term profitability if the trend continues rather than normalising.
3. Sharp Stock Reaction Overhang
A 6.7% single day decline creates a sentiment overhang that may take a few quarters of clean asset quality data to fully reverse.
Conclusion
CSB Bank Q1 results FY27 show net profit up 26.5% at Rs 150 crore with NII up 26%, but the stock fell 6.7% on a sequential rise in provisions and a modest gross NPA uptick. Investors should track the September quarter’s asset quality trend and consult a SEBI-registered advisor before acting on the numbers.
Disclaimer: Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).
Frequently Asked Questions on CSB Bank Q1 Results FY27
When were the CSB Bank Q1 results FY27 announced?
Ans. The CSB Bank Q1 results FY27 were announced on Wednesday, 22 July 2026, for the quarter ended 30 June 2026.
What is the PAT in the CSB Bank Q1 results FY27?
Ans. The PAT in the CSB Bank Q1 results FY27 stood at Rs 150 crore, up 26.5% from Rs 119 crore in Q1 FY26.
Why did CSB Bank shares fall despite a 26.5% profit jump in Q1 FY27?
Ans. Despite the profit growth in the CSB Bank Q1 results FY27, provisions rose sharply to Rs 49 crore from Rs 23 crore quarter on quarter and Gross NPA edged up to 1.75% from 1.66% sequentially, which the market read negatively, sending the stock down 6.7%.
What was the NII in the CSB Bank Q1 results FY27?
Ans. Net interest income in the CSB Bank Q1 results FY27 stood at Rs 479 crore, up 26% from Rs 380 crore in Q1 FY26.
What is the asset quality in the CSB Bank Q1 results FY27?
Ans. Gross NPA in the CSB Bank Q1 results FY27 stood at 1.75% against 1.66% in the preceding quarter, while Net NPA improved slightly to 0.39% from 0.40%, both on a sequential basis.
How did the share price react to the CSB Bank Q1 results FY27?
Ans. CSB Bank share price fell 6.7% to Rs 345.20 on the NSE after the CSB Bank Q1 results FY27.
Is the stock a good buy after the CSB Bank Q1 results FY27?
Ans. The CSB Bank Q1 results FY27 show strong headline profit growth, but the sequential asset quality and provisioning trend warrants caution. This article is for educational purposes only. Consult a SEBI-registered advisor before investing.
Where can I verify the CSB Bank Q1 results FY27?
Ans. The official filings for the June 2026 quarter are available on the NSE and BSE websites, and the stock can be tracked on the Univest app.
