Capital Small Finance Bank

Capital Small Finance Bank, which began as India's largest local area bank in 2000, transformed into the country's first small finance bank in April 2016. The bank's vision is to actively contribute to the economic development of its operational areas by introducing innovative ideas, new technology, and modern financial products. Its core mission is to deliver affordable and accessible banking services to underserved and aspiring middle-income segments, bridging critical financial gaps within the community. The institution specializes in secured lending solutions, offering products like mortgage financing, agricultural loans, and working capital for small and medium enterprises. It operates on a 'phygital' architecture, which strategically combines the trust of its physical branch network with the convenience and efficiency of digital banking platforms. A key strength of the bank's lending model is its strong focus on security, with more than 99% of its entire loan portfolio being secured against tangible assets.;