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TCS, HDFCBANK, SBI Liquid Fund (G)
Capital Small Finance Bank Ltd.

CAPITALSFB

Equity

BSE,NSE

Min. Investment

4,45,000.00

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IPO Details

Bidding Dates

07 Feb 24 - 09 Feb 24

Price Range ₹

445 - 468

Total Equity

0.00Cr

Lot Size

32

Exchange Status

BSE,NSE

IPO Doc

Subscription Rate

Non-Institutional Investor

2.49×

Qualified Institutional Buyers

6.64×

Employees

0.00×

Retail Investors

2.49×

Total subscription Rate

4.00×

IPO Timeline

Allotment

--

Refund initiation

--

Demat transfer

--

Offer start

07 Feb 2024

Offer end

09 Feb 2024

Listing

14 Feb 2024

About Company

Incorporated in 1999, Capital Small Finance Bank Limited is a small finance bank that obtained its license in 2015, making it the first non-NBFC microfinance entity to receive such accreditation. The bank has established a robust presence in semi-urban and rural areas, utilizing a branch-based operating model. Capital Small Finance Bank primarily focuses on catering to middle-income customer segments with an annual income ranging from ₹0.4 to 5 million. Their objective is to become the primary banking institution for these customers by offering a diverse range of products, exemplary customer service, a network of physical branches, and efficient digital channels.

Year Founded

31-05-1999

Promotor Details

Navin Kumar Maini

Promoter Holdings Details

ParticularPre-IPOPost-IPO
Percentage24.010
Share Capital84894250
0

Highlights

  • By targeting middle-income customer segments with an annual income ranging from ₹0.4-5 million, the bank can tailor its product offerings and services to meet the specific needs of this demographic, potentially leading to higher customer satisfaction and loyalty.
  • With a strong presence in semi-urban and rural areas through a branch-based operating model, Capital Small Finance Bank can provide localized services and establish closer relationships with customers, fostering trust and engagement.
  • The bank's strategic expansion in northern states of India allows it to tap into growing markets and capitalize on emerging opportunities, potentially increasing its market share and revenue streams.
  • With a high percentage of secured loans in its loan book, Capital Small Finance Bank demonstrates robust asset quality, which can enhance investor confidence and mitigate credit risk.
  • By offering a mix of product offerings and leveraging both physical branches and digital channels, the bank can cater to a wider range of customer preferences and enhance accessibility, improving overall customer experience and engagement.

Challenges

  • Despite its strong presence in northern states, Capital Small Finance Bank may face challenges in expanding its footprint to other regions, potentially limiting its growth opportunities and market reach.
  • While focusing on rural and semi-urban areas can be advantageous, it also exposes the bank to risks associated with these markets, such as lower levels of financial literacy and infrastructure limitations.
  • The bank operates in a highly competitive banking sector, facing competition from both traditional banks and other small finance banks, which could potentially impact its market share and profitability.
  • The bank operates in a highly competitive banking sector, facing competition from both traditional banks and other small finance banks, which could potentially impact its market share and profitability
  • As the bank continues to grow its operations and expand its workforce, it may encounter operational challenges such as scalability issues, talent management, and maintaining consistent service quality across branches

Financials

YearsTotal AssetsShare CapitalProfit After TaxConsolidated Net ProfitAdjusted EPS
20237,99,07,740.003,42,525.001,04,182.001,04,182.006.0343
20205,32,98,770.003,38,072.001,42,196.001,42,196.008.2361
20194,32,12,044.002,84,807.009,35,962.009,35,962.0027.3254
202163,712.38339.10625.69625.6918.3789
202271,539.21340.441,25,122.001,25,122.007.2472
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