# CSB Bank

> Private banks. Figures from the lender's own filings, each checked against the page it came from.

Page: https://creditbrief.in/lenders/csb

## Loan book

- ₹40,359 crore on 31 March 2026, the end of FY2025-26 (Gross advances).
- ₹42,383 crore on 30 Sep 2026, the latest half-year balance.
- Source: CSB Bank Investor Presentation Q4 FY26, PDF page 6: https://nsearchives.nseindia.com/corporate/CSBBANK_04052026142338_BSENSEInvestorPresentation31032026f.pdf

## Findings

- Grew 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.
- Growth slowed to 27% in FY2025-26, from 30% the year before.
- Held its place as the 31st biggest of these 33 banks from March 2022 to March 2026.

## What it lends against (30 Sep 2026)

- Gold: ₹22,303 crore (52.6%)
- Wholesale: ₹11,751 crore (27.7%)
- Business Lending Group (BLG): ₹4,563 crore (10.8%)
- Retail: ₹3,766 crore (8.9%)

Source: CSB Bank Investor Presentation Q2 FY27 (exchange filing), PDF page 16: https://nsearchives.nseindia.com/corporate/CSBBANK_23102026135922_BSENSEPresentationUFR30092026f.pdf

## Figures by period

| Measure | FY2021-22 (31 Mar 2022) | FY2022-23 (31 Mar 2023) | FY2023-24 (31 Mar 2024) | FY2024-25 (31 Mar 2025) | FY2025-26 (31 Mar 2026) | 30 Sep 2026 |
|---|---|---|---|---|---|---|
| Loan book (₹ crore) | 16,742 | 20,842 | 24,572 | 31,842 | 40,359 | 42,383 |
| Corporate and wholesale loans (₹ crore) | 5,444 | 6,332 | 5,956 | 7,274 | 9,979 | 11,751 |
| Deposits (₹ crore) | 20,188 | 24,506 | 29,719 | 36,861 | 44,246 | 46,889 |
| CASA ratio (%) | 33.66 | 32.18 | 27.20 | 24.19 | 19.96 | 18.96 |
| Branches (Number) | 603 | 703 | 779 | 829 | 862 | 872 |
| Mobile app users (Million) | 0.3 | 0.4 | 0.6 | 0.6 | 0.7 | 0.7 |

### Sources for each figure

- Loan book, FY2021-22 (31 Mar 2022): "25356 16742 2285" (CSB Bank Investor Presentation Q4 FY25, PDF page 32) https://nsearchives.nseindia.com/corporate/CSBBANK_28042025152021_BSENSEInvestorPresentation28042025f.pdf
- Loan book, FY2022-23 (31 Mar 2023): "29162 20842 20188 2635" (CSB Bank Investor Presentation Q4 FY25, PDF page 32) https://nsearchives.nseindia.com/corporate/CSBBANK_28042025152021_BSENSEInvestorPresentation28042025f.pdf
- Loan book, FY2023-24 (31 Mar 2024): "Growth Rs. 29719 Cr Rs. 24572 Cr" (CSB Bank Investor Presentation Q4 FY24, PDF page 4) https://nsearchives.nseindia.com/corporate/CSBBANK_26042024145220_BSENSEInvestorPresentation31032024f.pdf
- Loan book, FY2024-25 (31 Mar 2025): "₹ 47,836 Cr ₹ 31,842 Cr" (CSB Bank Investor Presentation Q4 FY25, PDF page 5) https://nsearchives.nseindia.com/corporate/CSBBANK_28042025152021_BSENSEInvestorPresentation28042025f.pdf
- Loan book, FY2025-26 (31 Mar 2026): "₹ 57,727 Cr ₹ 40,359 Cr" (CSB Bank Investor Presentation Q4 FY26, PDF page 6) https://nsearchives.nseindia.com/corporate/CSBBANK_04052026142338_BSENSEInvestorPresentation31032026f.pdf
- Loan book, 30 Sep 2026: "40,359 40,867 42,383" (CSB Bank Investor Presentation Q2 FY27 (exchange filing), PDF page 16) https://nsearchives.nseindia.com/corporate/CSBBANK_23102026135922_BSENSEPresentationUFR30092026f.pdf
- Corporate and wholesale loans, FY2021-22 (31 Mar 2022): "5444 Corporate Loans 6332" (CSB Bank Investor Presentation Q4 FY23 (March 2023), PDF page 11) https://www.csb.bank.in/pdf/Annexure-2_28042023.pdf
- Corporate and wholesale loans, FY2022-23 (31 Mar 2023): "5444 Corporate Loans 6332" (CSB Bank Investor Presentation Q4 FY23 (March 2023), PDF page 11) https://www.csb.bank.in/pdf/Annexure-2_28042023.pdf
- Corporate and wholesale loans, FY2023-24 (31 Mar 2024): "6061 Corporate Loans 5956" (CSB Bank Investor Presentation Q4 FY24 (March 2024), PDF page 11) https://www.csb.bank.in/pdf/Annexure_6_26042024.pdf
- Corporate and wholesale loans, FY2024-25 (31 Mar 2025): "7,274" (CSB Bank Investor Presentation Q4 FY25 (March 2025), PDF page 16) https://www.csb.bank.in/pdf/Annexure-2_28042025.pdf
- Corporate and wholesale loans, FY2025-26 (31 Mar 2026): "9,979" (CSB Bank Investor Presentation Q4 FY26 (March 2026), PDF page 16) https://www.csb.bank.in/pdf/Annexure-6-04052026.pdf
- Corporate and wholesale loans, 30 Sep 2026: "11,751" (CSB Bank Investor Presentation Q2 FY27 (September 2026), PDF page 15) https://www.csb.bank.in/pdf/annexure-5-23102026.pdf
- Deposits, FY2021-22 (31 Mar 2022): "Deposits 19,140.0 20,188.3" (CSB Bank Investor Presentation Q4 FY22 (March 2022), PDF page 17) https://www.csb.bank.in/pdf/ANNEXURE-5-06052022.pdf
- Deposits, FY2022-23 (31 Mar 2023): "Deposits 20,188.3 24,505.8" (CSB Bank Investor Presentation Q4 FY23 (March 2023), PDF page 18) https://www.csb.bank.in/pdf/Annexure-2_28042023.pdf
- Deposits, FY2023-24 (31 Mar 2024): "Deposits 24506 29719" (CSB Bank Investor Presentation Q4 FY24 (March 2024), PDF page 18) https://www.csb.bank.in/pdf/Annexure_6_26042024.pdf
- Deposits, FY2024-25 (31 Mar 2025): "Deposits 29,719 33,407 36,861" (CSB Bank Investor Presentation Q4 FY25 (March 2025), PDF page 30) https://www.csb.bank.in/pdf/Annexure-2_28042025.pdf
- Deposits, FY2025-26 (31 Mar 2026): "₹ 44,246 Cr" (CSB Bank Investor Presentation Q4 FY26 (March 2026), PDF page 4) https://www.csb.bank.in/pdf/Annexure-6-04052026.pdf
- Deposits, 30 Sep 2026: "Deposits 46,889 45,415 39,651" (CSB Bank Investor Presentation Q2 FY27 (September 2026), PDF page 31) https://www.csb.bank.in/pdf/annexure-5-23102026.pdf
- CASA ratio, FY2021-22 (31 Mar 2022): "33.66%" (CSB Bank Investor Presentation Q4 FY22 (March 2022), PDF page 8) https://www.csb.bank.in/pdf/ANNEXURE-5-06052022.pdf
- CASA ratio, FY2022-23 (31 Mar 2023): "32.18%" (CSB Bank Investor Presentation Q4 FY23 (March 2023), PDF page 9) https://www.csb.bank.in/pdf/Annexure-2_28042023.pdf
- CASA ratio, FY2023-24 (31 Mar 2024): "27.58% 27.20%" (CSB Bank Investor Presentation Q4 FY24 (March 2024), PDF page 9) https://www.csb.bank.in/pdf/Annexure_6_26042024.pdf
- CASA ratio, FY2024-25 (31 Mar 2025): "24.07% 24.19%" (CSB Bank Investor Presentation Q4 FY25 (March 2025), PDF page 20) https://www.csb.bank.in/pdf/Annexure-2_28042025.pdf
- CASA ratio, FY2025-26 (31 Mar 2026): "20.55% 19.96%" (CSB Bank Investor Presentation Q4 FY26 (March 2026), PDF page 20) https://www.csb.bank.in/pdf/Annexure-6-04052026.pdf
- CASA ratio, 30 Sep 2026: "19.41% 18.96%" (CSB Bank Investor Presentation Q2 FY27 (September 2026), PDF page 19) https://www.csb.bank.in/pdf/annexure-5-23102026.pdf
- Branches, FY2021-22 (31 Mar 2022): "Grand Total 512 603" (CSB Bank Investor Presentation Q4 FY22 (March 2022), PDF page 5) https://www.csb.bank.in/pdf/ANNEXURE-5-06052022.pdf
- Branches, FY2022-23 (31 Mar 2023): "Grand Total 603 703" (CSB Bank Investor Presentation Q4 FY23 (March 2023), PDF page 6) https://www.csb.bank.in/pdf/Annexure-2_28042023.pdf
- Branches, FY2023-24 (31 Mar 2024): "Grand Total 703 779" (CSB Bank Investor Presentation Q4 FY24 (March 2024), PDF page 6) https://www.csb.bank.in/pdf/Annexure_6_26042024.pdf
- Branches, FY2024-25 (31 Mar 2025): "Grand Total 779 829" (CSB Bank Investor Presentation Q4 FY25 (March 2025), PDF page 7) https://www.csb.bank.in/pdf/Annexure-2_28042025.pdf
- Branches, FY2025-26 (31 Mar 2026): "Grand Total 862 829" (CSB Bank Investor Presentation Q4 FY26 (March 2026), PDF page 7) https://www.csb.bank.in/pdf/Annexure-6-04052026.pdf
- Branches, 30 Sep 2026: "Grand Total 872 838" (CSB Bank Investor Presentation Q2 FY27 (September 2026), PDF page 6) https://www.csb.bank.in/pdf/annexure-5-23102026.pdf
- Mobile app users, FY2021-22 (31 Mar 2022): "3.23 lacs+ Mobile" (CSB Bank Investor Presentation Q4 FY22 (March 2022), PDF page 27) https://www.csb.bank.in/pdf/ANNEXURE-5-06052022.pdf
- Mobile app users, FY2022-23 (31 Mar 2023): "4.47 lacs+ Mobile" (CSB Bank Investor Presentation Q4 FY23 (March 2023), PDF page 28) https://www.csb.bank.in/pdf/Annexure-2_28042023.pdf
- Mobile app users, FY2023-24 (31 Mar 2024): "5.52 lacs+ Mobile" (CSB Bank Investor Presentation Q4 FY24 (March 2024), PDF page 28) https://www.csb.bank.in/pdf/Annexure_6_26042024.pdf
- Mobile app users, FY2024-25 (31 Mar 2025): "6.46 lakh+ Banking Users" (CSB Bank Investor Presentation Q4 FY25 (March 2025), PDF page 33) https://www.csb.bank.in/pdf/Annexure-2_28042025.pdf
- Mobile app users, FY2025-26 (31 Mar 2026): "6.90 lakh+ 89.11%" (CSB Bank Investor Presentation Q4 FY26 (March 2026), PDF page 33) https://www.csb.bank.in/pdf/Annexure-6-04052026.pdf
- Mobile app users, 30 Sep 2026: "6.51 lakh+ 95.39% 19,700+ Mobile Banking Users" (CSB Bank Investor Presentation Q2 FY27 (September 2026), PDF page 34) https://www.csb.bank.in/pdf/annexure-5-23102026.pdf

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