Capital Small Finance Bank IPO

Capital Small Finance Bank Limited

₹14,240 /32 sharesMinimum Investment

Capital Small Finance Bank IPO Listing DetailsListed OnIssue PriceListing PriceListing Gains
BSE & NSE₹468.00₹435.00-₹33.00 (7.05%)
Capital Small Finance Bank IPO DetailsBidding DatesMin. InvestmentLot SizePrice Range
7 Feb ‘24 - 9 Feb ‘24₹14,24032₹445 - ₹468
Issue SizeIPO Doc
523.07CrRHP PDF
Subscription rate
Qualified Institutional Buyers6.64x
Non-Institutional Investor4.05x
Retail Individual Investor2.49x
Total4x
About the company
Capital Small Finance Bank is a small finance bank offering a comprehensive suite of banking products. It was established in 1999 and has been operational as India's first small finance bank since 2016 after it got RBI approval. It focuses on serving the middle-income segment, particularly in rural and semi-urban areas. The bank's product range includes agricultural loans, MSME and trading loans, and mortgages such as housing loans and loans against property. The bank operates across Punjab, Haryana, Delhi, Rajasthan, Himachal Pradesh, and the Union Territory of Chandigarh, Capital Small Finance Bank and has a significant presence with 173 branches and 175 ATMs. The bank's approach is to provide accessible credit to its targeted customer base, primarily consisting of individuals with an average annual income of Rs. 0.04 crores to Rs. 0.5 crores. Capital Small Finance Bank focuses on secured lending, maintaining robust asset quality and expanding its reach through both physical branches and digital channels.;Founded in
1999
Managing director
Mr. Sarvjit Singh Samra
Parent organisation
Capital Small Finance Bank Limited
Strength and risksStrengths
Risks
Capital Small Finance Bank has been consistently maintaining a high Current Account Savings Account (CASA) ratio, increasing from 40.08% in Fiscal 2021 to 41.88% in Fiscal 2023.
The bank’s loan portfolio is predominantly secured by immovable properties. This allows it to control credit risk. The bank also maintains a well-diversified portfolio across agricultural, MSME, trading, and mortgage lending.
Capital Small Finance Bank Consistent has a positive growth track record. Its operating profit CAGR rose 44.23% from Rs. 71.49 cr in Fiscal 2021 to Rs. 148.70 cr in Fiscal 2023. It was Rs. 75.38 cr as of the six months ended September 30, 2023.
The company has managed to expand its loan book, with advances in agriculture, MSME, trading, and mortgages segments totaling Rs. 2,266.9 crores, Rs. 1,153.4 crores, Rs. 1,528.8 crores.
The bank has focused on fulfilling PSL (priority sector lending) targets as prescribed by RBI, particularly in the agricultural sector. This emphasis aligns with its commitment to financial inclusion and also provides a strategic avenue for diversification and risk mitigation. Its PSL advance increased at a CAGR of 17.16% from Rs. 2,579.25 cr as on March 31, 2021 to Rs. 3,540.33 cr as on March 31, 2023 and to Rs. 3,684.43 cr as on September 30, 2023.
Capital Small Finance Bank is the only SFB to be empanelled with the Food Civil Supplies and Consumer Affairs Department, Government of Punjab. It serves as the central banking entity responsible for facilitating the disbursement of payment for the acquisition of food grains to the recipients.
Financials
*All values are in Rs. Cr
No Graph Data To Display
Application detailsApply asPrice bandApply upto
Regular₹445 - 468₹2 Lakh
High Networth Individual₹445 - 468₹2 - 5 Lakh
For Capital Small Finance Bank IPO, eligible investors can apply as Regular.

Listed On	Issue Price	Listing Price	Listing Gains
BSE & NSE	₹468.00	₹435.00	-₹33.00 (7.05%)

Bidding Dates	Min. Investment	Lot Size	Price Range
7 Feb ‘24 - 9 Feb ‘24	₹14,240	32	₹445 - ₹468

Issue Size	IPO Doc
523.07Cr	RHP PDF

Apply as	Price band	Apply upto
Regular	₹445 - 468	₹2 Lakh
High Networth Individual	₹445 - 468	₹2 - 5 Lakh

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Qualified Institutional Buyers	6.64x
Non-Institutional Investor	4.05x
Retail Individual Investor	2.49x
Total	4x