This cold-rolled steel sheet has a predetermined chemical composition, and has a metallographic structure containing, by area fraction, 40.0% to below 60.0% of polygonal ferrite, 30.0% or more of bainitic ferrite, 10.0-25.0% of retained austenite, and 15.0% or less of martensite. In the retained austenite, the proportion of retained austenite having an aspect ratio of 2.0 or less, a major axis length of 1.0 microns or less, and a minor axis length of 1.0 microns or less is 80.0% or more. In the bainitic ferrite, the proportion of bainitic ferrite which has an aspect ratio of 1.7 or less, and in which the average crystallographic misorientation is 0.5 degrees to below 3.0 degrees in a region surrounded by grain boundaries having a crystallographic misorientation of 15 degrees or more, is 80.0% or more. The connectivity D value between the martensite, the bainitic ferrite, and the retained austenite is 0.70 or less.