(i) Capital Small Finance Bank Limited, India’s 1st 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
The Company has been awarded the best company to work in the year 2015, 2016 2017, and 2018:
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.
|Total Available Shares:||Very Limited|
|Face Value:||₹ 10 Per Equity Share|
|Lot Size:||100 Shares|
|Current Unlisted Share Price:||₹ 405 Per Equity Share|
|Retail Discount:||Bulk Deal (1%)|
|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%|
|Particulars (in Crores)||2023||2022||2021||2020||2019||2018||2017||2016|
|Particulars (In Cr)||Q1FY24||Q1Fy23|
|Profit Before Provisioning||41||29|
|Provisions and Contingencies||1||4|
|Profit Before Tax||40||25|
|Debt to Equity||1.01||1.05|
Please find below the procedure for buying Capital Small Finance Bank Unlisted Shares at UnlistedZone.
Please find below the procedure for selling Capital Small Finance Bank Unlisted Shares at UnlistedZone.
Lock-in period of Capital Small Finance Bank Unlisted Shares depends upon category of investors.
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.
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.
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