CreditBrief

What CSB Bank lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹42,383 crore (+5.0% since March).

CSB BankPrivate banks

₹40,359croregross advances on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers31stof 33 banks on CreditBrief, March 2026
Biggest segment52.6%Gold, latest split (30 Sep 2026)
Share of the combined book0.2%of all banks on CreditBrief

Chapter 01 · The loan book

₹40,359 crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in CSB Bank's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from gold down, and you get ₹40,359 crore. By 30 Sep 2026 it was ₹42,383 crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

62%People and households₹26,069 croreGoldRetail
38%Businesses₹16,314 croreWholesaleBusiness Lending Group (BLG)

Drilling down: what it lends against · 30 Sep 2026

  • Gold₹22,303 crore52.6%
  • Wholesale₹11,751 crore27.7%
  • Business Lending Group (BLG)₹4,563 crore10.8%
  • Retail₹3,766 crore8.9%

Segment amounts are read from chart labels and add exactly to the total.

Sources: CSB Bank Investor Presentation Q4 FY26, PDF page 6 ↗ for March 2026; CSB Bank Investor Presentation Q2 FY27 (exchange filing), PDF page 16 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 25% a year since March 2022.

From ₹16,742 crore on 31 March 2022 to ₹40,359 crore on 31 March 2026, and ₹42,383 crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights36 figures from 10 filings · each checked against its pageHow it works
CSB Bank · loan book · 31 March 2026₹40,359crore+27% in FY2025-26₹42,383 crore by 30 Sep 2026
  1. 0125%a year since 2022Grew 25% a year from March 2022 to March 2026, faster than 29 of the 29 other banks with like-for-like figures for those years.
  2. 0227%in FY2025-26Growth slowed to 27% in FY2025-26, from 30% the year before.
  3. 0331stamong peersHeld its place as the 31st biggest of these 33 banks from March 2022 to March 2026.
Deposits₹44,246 crore+20% · in FY2025-26
Loans to deposits91.2%+4.8 pts · in FY2025-26
CASA ratio20.0%-4.2 pts · in FY2025-26
Corporate and wholesale loans₹9,979 crore+37% · in FY2025-26
Branches862+4.0% · in FY2025-26
Mobile app users0.7 million+6.8% · in FY2025-26
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · gross advances16,74220,84224,57231,84240,35942,383
Corporate and wholesale loans₹ crore5,4446,3325,9567,2749,97911,751
Deposits₹ crore20,18824,50629,71936,86144,24646,889
CASA ratio%33.6632.1827.2024.1919.9618.96
BranchesNumber603703779829862872
Mobile app usersMillion0.30.40.60.60.70.7

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at CSB Bank, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

Add role and company optional
Its last results, as an alert

CreditBrief Insightsto you

CSB Bank, Q2 FY2026-27: loan book ₹42,383 crore, +5.0% since March

  • ₹42,383 crore lent out by Q2 FY2026-27
  • Biggest segment: Gold, 53% of the book
  • Every figure links to page 16 of its filing

Chapter 03 · Among its peers

31st biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 0.2% of the combined loan book of the banks on CreditBrief. Banks report advances, gross or net, and each row says which.

  1. 1State Bank of India₹49.33 lakh crore
  2. 2HDFC Bank₹29.60 lakh crore
  3. 3ICICI Bank₹15.54 lakh crore
  4. 4Bank of Baroda₹14.30 lakh crore
  5. 5Punjab National Bank₹12.59 lakh crore
  6. 6Canara Bank₹12.38 lakh crore
  7. 7Axis Bank₹12.34 lakh crore
  8. 8Union Bank of India₹10.79 lakh crore
  9. 31CSB Bank₹40,359 crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Read next

Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

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