Capital Small Finance Bank Unlisted Shares

About Capital Small Finance Bank Unlisted Shares

(i) Capital Small Finance Bank Limited, India’s 1^st Small Finance Bank, started operations on April 24, 2016. It was called ” Capital Local Area Bank”, the largest Local Area Bank in the country, before conversion to ‘Small Finance Bank’ has been into operations for the last 16 years with excellent performance in all spheres.

(ii) The Bank pioneered in bringing modern banking facilities to the rural areas at a low cost. From day one 7-Day Branch Banking was introduced with extended banking hours. The focus to serve the common man and the local touch advantages has given the Bank a competitive edge over other banks operating in the region.

Within a short period, most of the Branches become market leaders of their respective centers. The Bank is providing a safe, efficient, and service-oriented repository of savings to the local community while reducing their dependence on moneylenders by making need-based credit easily available.

(iii) The Bank transitioned from a Local Area Bank to Small Finance Bank with 47 Branches. In a short span of two years, 78 new Branches have become operational, taking the total number of Branches to 125. After establishing a strong footprint in the state of Punjab, the Bank has now started expansion to the states of Delhi and Haryana. By March 31, 2021, the number of Branches will grow to 250.

(iv) Capital Small Finance Bank has been granted Scheduled Status by the Reserve Bank of India vide Notification dated February 16, 2017.

(v) The total business of the Bank at present has crossed Rs. 5,860 crores with more than 5,80,000 accounts. The Bank has 80% of its business in rural and semi-urban areas, with Priority Sector Lending of 99.30% of the Adjusted Net Bank Credit as of March 31, 2018.

(vi) The Bank is extending loans primarily to small borrowers and 52.48% of the total advances are up to the ticket size of Rs. 25 lacs as on March 31, 2018.

(vii) Total Branches growth

Areas	31.0.3.2017	31.03.2018	31.03.2019	31.03.2020	30.09.2020
Rural	35	50	58	63	64
Semi-Urban	27	33	42	46	47
Urban	7	12	20	29	30
Metropolitan	4	6	9	12	11
Total	73	101	129	150	152

The Company has been awarded the best company to work in the year 2015, 2016 2017, and 2018:

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More details on Capital Small Finance Bank Unlisted Shares

(i) Excellent quality of assets supported by secured lending

Capital Small Finance Bank primarily focuses on providing kisan credit cards to mid-sized agriculturalists, as well as other retail asset loans such as MSME loans and housing loans (HL) to borrowers. As on 31.12.2022, the Gross NPA of the Bank stands at 2.96%.

(ii) Low Cost of Funding

Out of total deposit of Rs.6700 Crores , 44% is coming from CASA and the remaining 56% is coming from term deposits.

The CASA of 44% is highest among the Small Finance Bank in India.

Due to high share of CASA, cost of funds for the bank was 5.22% as on March 31, 2022, which is one of the lowest among the SFB peers. It further reduced to 5.04% for the nine months ended December 31, 2022.

(iii) Net-Interest Margins

Due to the low cost of funding, the bank’s net interest margin (NIM) grew somewhat from 3.39% in FY21 to 3.77% in FY22. According to the bank’s cost-saving measures, the operating expenses/average assets ratio remained constant at 2.9%.

(iv) Weakness in Capital Small Finance Bank Unlisted Shares

As of March 31, 2022, the bank had 161 branches located throughout 35 districts, 3 states, and 2 union territories of the nation, namely Punjab, Haryana, Rajasthan, Delhi, and Chandigarh. As of March 31, 2022, Punjab alone accounted for around 86% of the total loan portfolio, indicating geographical concentration.

Note: Check the Latest Capital Small Finance Bank Unlisted Shares Price at UnlisteZone Android or iOS Mobile App.

Capital Small Finance Bank Unlisted Shares Details:

Total Available Shares:	Very Limited
Face Value:	₹ 10 Per Equity Share
ISIN:	INE646H01017
Lot Size:	100 Shares
Current Unlisted Share Price:	₹ 405 Per Equity Share
Retail Discount:	Bulk Deal (1%)

Promoters And Management:

1. Chairman, Inder Krishna Sardana 2. Managing Director and CEO, Sarvjit Singh Samra 3. Chief Operating Officer and Chief Financial Officer, Munish Jain

Shareholding Pattern:

The Prominent Shareholders in the Capital Small Finance Bank as on 31.03.2020 1. HDFC Life Insurance 2. Pi Venture LLP 3. Small Industries Development Bank of India 4. ICICI Prudential Life Insurance Co. Limited. 5. Oman India Joint Investment Fund

Top Shareholders other than Promoters
Name	No. of Shares	% of shareholding
Santokh Singh Chhokar	17,60,000	5.21%
Pi Ventures LLP	16.86.980	4.99%
Oman India Joint Investment Fund	33,46,914	9.90%
HDFC Standard Life Insurance	13,94,400	4.12%
Small Industries Development Bank of India	13,49,650	3.99%
ICICI Prudential	13,22,400	3.91%

In FY19-20, Oman India Joint Investment Fund has invested in the company at Rs.245 per share.

Financials of Capital Small Finance Bank Unlisted Shares:

i) Business Analysis

Particulars (in Crores)	2023	2022	2021	2020	2019	2018	2017	2016
Deposit	6,561	6046	5221	4446	3667	2850	2375	1814
Advances	5,507	4635	3763	3325	2608	1852	1369	1148
Total Business	121	10681	8984	7772	6276.04	4702	3744	2962
Net Worth	611	516	447	402	250.32	233	190	114

(ii) Profitability Analysis

Particulars(Cr)	2023	2022	2021	2020	2019	2018	2017	2016
Total Income	725	632	557	501	377.6	293	243	202
Operating profit	149	113	72	52	34	32	23	21
Net Profit	94	63	41	25	19	19	15	13

(iii) Ratio Analysis

Particulars	2023	2022	2021	2020	2019	2018	2017	2016
EPS	27.21	18.41	12.04	8.18	6.82	6.86	6.53	6.7
Book Value	178	151	132	119	87.89	82	70	49
CAR	18.87%	18.63%	19.80%	19.11%	17.47%	19.66%	22.95%	17.20%
Gross NPAs	2.77%	2.50%	2.08%	1.76%	1.30%	1.14%	1.02%	0.73%
Net NPAs	1.36%	1.36%	1.13%	0.93%	0.93%	0.84%	0.72%	0.45%

Financial Analysis of Capital Small Finance Bank in last 8 years : 1. Business Analysis: The company has shown a consistent increase in its business operations from FY16 to FY23. The deposits have grown from 1,814 crores in FY16 to 6,561 crores in FY23. Similarly, advances have increased from 1,148 crores in FY16 to 5,507 crores in FY23. The total business and net worth have also shown a similar upward trend. This indicates a strong growth trajectory and an expanding customer base. 2. Profitability Analysis: The company's profitability has also improved over the years. The total income has increased from 202 crores in FY16 to 725 crores in FY23. The operating profit and net profit have also shown a similar upward trend. This indicates that the company is not only increasing its revenue but is also able to effectively control its costs to improve its profits. 3. Ratio Analysis: The EPS (Earnings Per Share) has increased from 6.7 in FY16 to 27.21 in FY23, indicating that the company's profitability on a per-share basis has improved significantly. The Book Value has also increased, indicating an increase in the company's assets. The CAR (Capital Adequacy Ratio) has fluctuated over the years but has remained within a healthy range, indicating that the company has sufficient capital to meet its financial risks. The Gross NPAs and Net NPAs have decreased over the years, indicating that the company has been able to effectively manage its credit risk and reduce its non-performing assets. In conclusion, the Capital Small Finance Bank has shown strong growth and profitability over the years, and has effectively managed its risks. The decreasing trend in NPAs indicates effective credit management, and the increasing trend in EPS and Book Value indicates growing profitability and asset accumulation Financial Performance of Capital Small Finance Bank Unlisted Share in Q1Fy24 vs Q1Fy23

Particulars (In Cr)	Q1FY24	Q1Fy23
Interest Income	189	152
Other Income	13	10
Total	202	163
Finance Cost	102	83
Operating Expenses	59	52
Total Expenses	161	134
Profit Before Provisioning	41	29
Provisions and Contingencies	1	4
Profit Before Tax	40	25
Tax	10	6
PAT	30	18
EPS	8.7	5.3
Debt to Equity	1.01	1.05
G.NPA	155	128
G.NPA%	2.81%	2.93%
N.NPA	74	79
N.NPA%	1.37%	1.70%

Financial Performance of Capital Small Finance Bank in Q1FY24 (i) Interest income saw a significant jump from ₹152 Cr in Q1FY23 to ₹189 Cr in Q1FY24. This suggests an increased lending activity, possibly pointing towards an expansion in their loan book or better yields on their assets. (ii) Other income too showed a positive trend, moving from ₹10 Cr to ₹13 Cr. (iii) The bank's asset quality improved in Q1FY24. The Gross Non-Performing Assets (GNPA) increased in absolute terms from ₹128 Cr to ₹155 Cr. However, when viewed in percentage terms, there's a decrease from 2.93% to 2.81%. This means that the bank's total advances or assets have grown at a faster rate than the GNPA, leading to a better GNPA percentage. The story is similar for Net NPA which saw a drop from 1.70% to 1.37%, indicating better provisioning and improved asset quality. (iv) The bank's Profit After Tax (PAT) showed a healthy increase, moving from ₹18 Cr in Q1FY23 to ₹30 Cr in Q1FY24. This indicates a successful translation of revenue growth into profits, a sign of efficient operations. Capital Small Finance Bank Annual Report 2022-23 Capital Small Finance Bank Annual Report 2021-22 Capital Small Finance Bank Annual Report 2020-21 Capital Small Finance Bank Annual Report 2019-20 Capital Small Finance Bank Annual Report 2018-19 Capital Small Finance Bank Annual Report 2017-18 Capital Small Finance Bank Annual Report 2016-17 Capital Small Finance Bank Annual Report 2015-16 Capital Small Finance Bank Annual Report 2014-15

Frequently Asked Questions:

Please find below the procedure for buying Capital Small Finance Bank Unlisted Shares at UnlistedZone.

1. You confirm booking of Capital Small Finance Bank Unlisted Shares with us at a trading price.
2. You provide your client master report (ask the broker if not available) along with PAN Card and Cancelled Cheque in case you are not transferring funds from the bank account as mentioned in the CMR Copy. These are KYC documents required as per SEBI regulations.
3. We will provide the bank details.
4. You need to transfer funds in that account.
5. Payment has to be done in RTGS/NEFT/IMPS CHEQUE TRANSFER. No CASH DEPOSIT.
6. Payment has to be done from the same account in which shares are to be credited.
7. We will transfer the shares in 24 hours if funds are credited before 2 pm.

Important Note: Please note that the lock-in period for selling Capital Small Finance Bank Unlisted Shares is 6 months after listing. Hence you can’t sell Capital Small Finance Bank Unlisted Shares which you bought in Pre-IPO for 6 months after its listing. i.e. You can sell it only after 6 months calculated from the listing date. For any queries, please contact us at sales@unlistedzone.com

Please find below the procedure for selling Capital Small Finance Bank Unlisted Shares at UnlistedZone.

1. We will confirm our buying price of Capital Small Finance Bank Unlisted Shares.
2. We will give you our client master report and you will transfer the Capital Small Finance Bank Unlisted Shares to our demat account.
3. We will ask for bank details of yours once the Capital Small Finance Bank Unlisted Shares are received in our demat account..
4. We will transfer the funds in your bank account within 24 hrs of receiving the Capital Small Finance Bank Unlisted Shares.
5. Payment will be made in RTGS / NEFT / CHEQUE TRANSFER/IMPS. No CASH DEPOSIT.
6. Payment will be given in the same account which is linked to demat account or you need to provide the cancelled cheque shows your name to verify. As per SEBI regulations, the transfer of funds in the third party account is not legal and our policy refrain us from doing so.

Note: The price at which we are buying the share is fixed for 3 days. If you cant sell your stock within 3 days, then the price of that day will be applicable when we receive shares in our demat.

Lock-in period of Capital Small Finance Bank Unlisted Shares depends upon category of investors.

1. Venture Capital Funds or Foreign Venture Capital Investor - lock-in Period of 6 months from the date of acquisition of Capital Small Finance Bank Unlisted Shares.
2. AIF-II - There is no locking period.
3. Other Investors (include Retail, HNIs or Body Corporate) lock-in Period of 6 months from the date of listing of IPO of Capital Small Finance Bank Unlisted Shares.

This new SEBI rule was introduced in the month of August-2021, wherein the SEBI has reduced the lock-in period previously from 1 year to 6 months to encourage more and more funds to be invested in startups which are going to public or IPO in near future. Reduction of lock-in is seen as big step and after that many PMS funds are advising their clients to invest in Pre-IPO shares to get the benefit of early stage investment.

DIS - Delivery Instruction Slip is the way through which an investor can sell or transfer the Capital Small Finance Bank Unlisted Shares from his/her demat account to any other demat account. There are two Types of DIS Slip.

1. Offline-DIS - This is an offline mode of transfer of shares wherein the investors needs to fill DIS form and give it to their broker for transferring the shares. Following are the fields which are required to be filled.
- a. ISIN number of Capital Small Finance Bank Unlisted Shares.
- b. Name of Capital Small Finance Bank Unlisted Shares
- c. Quantity of Capital Small Finance Bank Unlisted Shares
- d. Cosideration Amount
- e. Target DP ID and Client ID
- f. Annexure
2. Online DIS - Some of the broker these days gives facility of transferring the Capital Small Finance Bank Unlisted Shares via online DIS. So, please check with your broker whether such facility is available or not. For example: Angel Broking proivdes the facility of Online-DIS from its platform. As an investor he/she simply needs to add a beneficiary into it and send the Capital Small Finance Bank Unlisted Shares by filling the details similar to Ofline-DIS.

Read our article to understand more about this. https://unlistedzone.com/how-do-i-sell-my-unlisted-shares/

In the last 4-5 years, the unlisted share market has become quite big and as a result of that, the ticket size has reduced from usual 5-10 Lac to 35-50k in today's scenario. So, via our UnlistedZone platform, if somebody wants to buy Capital Small Finance Bank Unlisted Shares then minimum investment would be 35-50k.

Yes, buying and selling of unlisted shares in India is 100% legal.

If you sell your shares within 2 years, then you will have to pay Short-term Capital gain on unlisted shares. Short-Term Capital Gain is added in your Income. So, as per individual tax slab you need to pay capital gain tax.

If you sell your shares after 2 years, then you will have to pay Long-term Capital gain on unlisted shares LTCG is 20% with indexation benefits.

After listing of shares, the unlisted shares which you have bought through unlisted market, will be taxed at listed rates, if sold through exchange. So, taxes of listed market will be applicable. And, to calculate holding time, for determining LTCG or STCG, the purchase date of unlisted shares will be applicable.

If you buy Capital Small Finance Bank Unlisted Shares from UnlistedZone then these shares can checked in two ways. However, before we tell you the process of checking of shares, it is intimated that as per SEBI regulations, the shares can be transferred in demat account only.

Check credit of Capital Small Finance Bank Unlisted Shares Instantly?

1.You can download the NSDL or CDSL application from google play-store and check. If you want to check whether your stock broker is registered with NSDL or CDSL then check the following procedure.
By carefully examining the number format of Demat Account we can easily identify whether the stock broker is registered with CDSL or NSDL.
Demat Account = DP ID + Client ID. (16 Characters )
"DP ID is the unique identification of the Broker. Every broker gets a unique number from CDSL or NSDL.By carefully examining the number format of Demat Account we can easily identify whether the stock broker is registered with CDSL or NSDL.
Client ID is the unique identification of the Client. Every client gets this unique number which represents his/her portfolio.
In CDSL, all these characters are numbers (1234567891234567) first 8 digits are DP ID and next 8 digits are Client Id whereas in NSDL the first two characters are letters which are in accordance with the country that you are from (IN12345678912345), then 6 unique digits for Broker and next 8 digits are client ID.
Example:
CDSL = 12345678(DP ID) and 91234567(Client ID).
NSDL = IN123456 (DP ID) and 78912345(Client ID).
Check in brokers application?
Credit of Capital Small Finance Bank Unlisted Shares can be checked in brokers application as well but it takes T+2 days to show the shares.

The Capital Small Finance Bank Unlisted Shares are credited in demat account same day of transferring funds in our company's bank account.

The price of Capital Small Finance Bank Unlisted Shares can be checked in two ways. First, you can join our telegram channel where on daily basis we share the latest prices of all the unlisted shares in the morning and secondly, you can register on UnlistedZone.live platform to see the historical graphs and prices of all the shares at one place.

If you see the thesis of investment in the unlisted shares then it is being done mainly to take the advantage of IPO market. And, if the IPO plans of company get delayed due to market conditions or any other reason then demand suddenly drops in the market. The unlisted market works mainly on demand and supply and if there is no IPO news then getting exit would be difficult.

"UnlistedZone is India's fastest and leading marketplace to buy and sell unlisted shares. In the last 3 years, we have already served more than 1 million users on the platform. The total transactions value done from the platform is already more than 100 Crores. The name of our Co-founders Mr. Umesh Paliwal and Dinesh Gupta publish regularly in leading newspapers like MoneyControl, Business-Standard, ET etc for their views on IPO and Unlisted market. In the last 3 years, UnlistedZone has made a good name for itself in the industry and gained a trust of their users. So, the new investors should not be worried about any kind of fraud that is mostly happens with unkown brokers in the market while doing investment with UnlistedZone."

We at UnlistedZone do the valuation based on 2 methods.

1. We check the last funding that is being done in the Capital Small Finance Bank Unlisted Shares to ascertain the benchmark valuation.
2. If there is no funding happened in the company, then we try to find a business similar to Capital Small Finance Bank Unlisted Shares in the listed space and do comparison method to ascertain the valuation.

As an investor in the unlisted space, we would always recommend that you must check all the risk parameter carefully before investing in the unlisted space.

We source shares either from the employees or initial investors looking to liquidate their Capital Small Finance Bank Unlisted Shares.

Pre-IPO shares means which are planning for an IPO in near future. So, all the shares which are traded on the platform are not Pre-IPO Shares. However, if the company's business is going good and then demand will always be there in the unlisted space, so even if the IPO does not come, the investors can easily liquidate their Capital Small Finance Bank Unlisted Shares in the unlisted market itself.

Rules and regulations of SEBI are applicable in the Unlisted space like lock-in period of 6 months, paying of Stamp Duty, and DP Charges for every transaction etc. However, to become an unlisted broker there is no such regulation by SEBI as of yet.

For tracking news and other information about Capital Small Finance Bank Unlisted Shares, one can visit our website wherein we post news and other information on daily basis and one can also join our telegram channel.

Discussion on Capital Small Finance Bank Unlisted Shares:

25 Comments

Umesh Paliwal

5:37 PM, 16 May 2022

FY22 Financial Results of Capital Small Finance Bank :

https://dyvmwwyqozzzb.cloudfront.net/main/CSFB-Financial-Results-FY22.zip

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Umesh Paliwal

12:55 PM, 7 February 2022

Capital Small Finance Bank Q3FY22 Results

https://dyvmwwyqozzzb.cloudfront.net/main/CSFB-Q3FY22.zip

Valuation of Capital Small Finance Bank
Book Value as on 31.12.2021 = Rs.145 per share
Current Unlisted Market Price as on 07.02.2022 = Rs.350 per share
P/B Ratio = 2.41x
P/E Ratio = 20.40x

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mans_ag

10:45 PM, 27 July 2021

1. What is the current price.
2. How can we track the price.

Pls advise on above

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Gajendra

7:58 AM, 15 July 2021

what is CMP

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Umesh Paliwal

9:07 AM, 15 July 2021

300

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Umesh Paliwal

5:39 AM, 12 May 2021

Capital Small Finance Bank FY 2021 Results:-

https://dyvmwwyqozzzb.cloudfront.net/main/WhatsApp-Image-2021-05-12-at-8.29.41-AM.jpeg

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Market Wizard

2:47 PM, 11 June 2020

Excellent FY20 Results Posted by Capital Small Finance Bank: https://unlistedzone.com/excellent-results-posted-by-capital-small-finance-bank-in-fy20-11-06-2020/

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HarvinHarris

12:45 PM, 30 December 2020

Overvalued at this price. actual rate is around Rs.150

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Market Wizard

12:22 PM, 30 April 2020

Latest funding in Capital Small Finance Bank:

https://www.livemint.com/industry/banking/capital-small-finance-bank-raises-84-crore-from-oijif-11574775491481.html

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Gajendra

9:38 AM, 30 April 2020

please share current shareholding pattern and tentative listing date………?

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Market Wizard

12:20 PM, 30 April 2020

Please check it is updated on the website.

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Market Wizard

7:30 AM, 15 February 2020

December 2019 Quarterly Results

https://dyvmwwyqozzzb.cloudfront.net/main/Capital-Small-Finance-Bank-Q-and-Nine-Month-Financials-1-rotated.jpeg

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Market Wizard

6:04 AM, 19 February 2020

The book value as on 31.12.2019 stands at 118

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Rahul Shukla

7:44 PM, 13 February 2020

Are shares available? If yes, whats the price?

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Market Wizard

12:31 PM, 14 February 2020

Yes, it is available. Currently, the share is trading at Rs.300 per share.

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Gur Singh

5:37 PM, 3 July 2020

Yes, available if u want to buy it.

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Mandeep singh

4:42 AM, 24 July 2020

Yes price rs 265 per share contact 8010009625

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Market Wizard

6:33 AM, 24 November 2019

RBI regulation on Small Finance Bank:

https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=2901

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Market Wizard

1:06 PM, 14 September 2019

Listing Requirement of Small Finance Bank

1. The small finance bank having a Net worth of ₹500 crores, the listing will be mandatory within three years of reaching that net worth.
2. The small finance banks having a Net worth of below ₹500 crores could also get their shares listed voluntarily.

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Market Wizard

1:07 PM, 2 March 2019

Minimum Net worth Requirement for Small Finance Bank as per RBI directions is 100 Cr.

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Market Wizard

1:04 PM, 14 September 2019

In the recent RBI guidelines on 13.09.2019, the Net-Worth requirement for Small Finance Bank is now 200 Cr.

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Market Wizard

1:05 PM, 2 March 2019

Private Placement in the FY17-18 has been done to three companies:

1. HDFC Life Insurance Company Limited – 72,000 shares at Rs. 163 per shares.

2. SIDBI( Small Industries Development Bank of India) -13,49,650 shares at Rs. 163 per shares.

3. Pi Ventures LLP- 72,000 shares at Rs. 163 per shares.

The company has raised 24.2464 Cr by issuing 14,93,650 Shares at price of Rs. 163 per shares.

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Market Wizard

12:58 PM, 2 March 2019

The bank has given a dividend of 80 paise per shares for FY17-18.

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Market Wizard

12:57 PM, 2 March 2019

Capital Small Finance Bank is the only bank in India to be among the best 100 companies to work with,

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Market Wizard

3:08 AM, 24 February 2019

Capital SFB eyes ₹150 crore funding to expand operations (11th Jan 2019 NEWS) => https://www.livemint.com/Industry/FLdODhGDY1Odu7k9iioMMK/Capital-SFB-eyes-150-crore-funding-to-expand-operations.html

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