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RATING

RECOMMENDATION

Startup Investment

  • Capital Small Finance Bank Unlisted Shares Essentials

ISIN

INE646H01017

Face Value

₹10.00

Total Share

3,38,07,217

Total Income

₹50,108.98 L

Profile After Tax

₹2,538.21 L

Promoter Holding

₹74.00 %

EPS

₹8.18

Sector

Financials

Sub-sector

Private Banks

Category

Upcoming IPO

Cashflow - Operations

-₹7,991.21 L

Cashflow - Financing

₹19,200.36 L

Capital Small Finance Bank Growth

Compounded Sales Growth

  • 32.70%

    1 Year

  • 30.58%

    2 Year

  • 25.45%

    4 Year

Pro Only

Compounded Profit Growth

  • 30.74%

    1 Year

  • 19.06%

    3 Year

  • 16.58%

    4 Year

Pro Only

Return On Equity

  • 7.73%

    1 Year

  • 8.98%

    3 Year

  • 9.86%

    4 Year

Pro Only

About Capital Small Finance Bank

  • Capital Small Finance Bank Limited started operations as India's 1st Small Finance Bank on April 24, 2016 after conversion from Capital Local Area Bank.
  • Prior to conversion to a Small Finance Bank, Capital Local Area Bank was operating as India's largest local area bank since January 14, 2000.
  • Capital Small Finance Bank has been granted Scheduled Status by the Reserve Bank of India vide Notification dated February 16, 2017.
  • The Bank is witnessing exponential growth post conversion into a small finance bank on April 24,2016. The branch count has grown to 150 from 47 in 2016.
  • The Bank introduced 7-Day branch banking with extended banking hours since its first day of operations.
  • After establishing a strong footprint in the state of Punjab, the Bank has now started expansion to the states of Delhi, Haryana, Rajasthan along with Union Territory of Chandigarh.
  • Capital small finance bank is backed by institutional finance investors such as HDFC Standard Life insurance, Pi Ventures LLP, Amicus Capital Partners, ICICI prudential life, SIDBI and Oman India joint investment fund.

  • Capital Small Finance Bank IPO Details

  • As per RBI rules, Small finance bank has to get listed within three years from the time the bank reaches a net worth of ₹500 crores.
  • However, small finance banks having net worth of below Rs.500 crore could also get their shares listed voluntarily, subject to fulfillment of the requirements of the capital markets regulator.
  • There are no update from Management with regards to get listed.As per FY 2020 financials the net worth of the bank stands at ₹480 Crore and started the banking operations on 24th April 2016.

  • Capital Small Finance Bank Funding

  • Capital Small Finance Bank Revenue Segmentation

  • Revenue from operations
  • Other Income
  • Capital Small Finance Bank Product & Services

Products and Services

  • Saving and Current deposit account

Term deposit:

  • Term Deposit account of the bank can be opened with a minimum amount of ₹1000/- under various schemes.
  • Cumulative Deposit Account
  • Short Term Deposit Account
  • QIDS Account
  • MIDS Account
  • Recurring Account
  • Loans: Bank provides Home loans, Personal loans, auto loans, gold loans, kisan credit cards, loans to retailers and education loan etc.
  • Money transfer: Capital Small Finance Bank extends the services of receiving money from friends and relatives in over 200 countries in the fastest possible way. For this purpose, they have a tie-up with Western Union Financial Services Inc., Money Gram Inc. & Xpress Money

Forex services: Bank provide:

  • Sale of Foreign Currency
  • Purchase of Foreign Currency
  • Travelers Cheques (TC)

Insurance:

  • Bank offer life insurance solution in association with ICICI Prudential Life Insurance Company Ltd., & HDFC Standard Life Insurance Co. Ltd. It also provides schemes to protect home, office, machine, vehicle, or health etc. with flexible protection options in association with Bajaj Allianz General Insurance Co. Ltd. & SBI General Insurance Co. Ltd. which fulfills General Insurance needs of customers
  • Capital Small Finance Bank Industry Overview

Industry Statistics

  • The Indian Banking structure has undergone appropriate transformation with the formation of a new banking institution – Small Finance Banks (SFBs).
  • These SFBs are expected to penetrate Rural India and help achieve financial inclusion by providing basic Banking and Credit services to a larger population. 
  • SFBs also work as institutionalized systems to undertake deposits, which enables them to access low- cost funds as compared to NBFCs.
  • Bank credit rose 13.24% to ₹97.67 lakh crore for the fortnight to March 29, 2019. For the same period, deposits grew by 10.03% to ₹125.72 lakh crore.
  • RBI indicate that under the baseline scenario, gross non-performing asset (GNPA) ratio of scheduled commercial banks is expected to decline from 9.3% in March 2019 to 9% in March 2020, a significant reduction vis-à-vis 11.6% in March 2018.
  • The loan portfolio of SFBs is expected to grow at 25-30% with share of microfinance declining to around 40% by March 2020, according to a report by rating agency ICRA

Capital Small Finance Bank Awards & Achievements

  • Pioneer in bringing state-of-the-art banking facilities in rural areas at a low cost
  • Promoting Financial Inclusion by providing easy access to masses to banking services to the masses
  • Extension of banking services to the unbanked rural villages
  • Extended and uninterrupted banking hours
  • One-Stop Financial Hub in rural and semi urban areas
  • Contribution to economic development and employment generation in the area
  • Surpassed National Targets in Priority Sector, Agriculture and Weaker Section Advances
  • Average Business per branch of Rs. 48 Crores
  • Accredited with 'ICAI Award for Excellence in Financial Reporting' for two consecutive years
  • Ranked amongst India's 100 Best Companies to work for 5 consecutive years
  • RuPay Debit Card acceptance across 2.49 Lac ATMs, over 50 Lac POS Terminals and on all e-commerce sites

Capital Small Finance Bank Strengths

  • Total Revenue rising at a CAGR of 25.45% from 2016 to 2020.Operating Profits rising at a CAGR of 25.2% from 2016 to 2020.
  • The company is trading at lower Price/book value as compared to other listed small finance banks.
  • Company’s cost to income is lower than other peers.

Capital Small Finance Bank Shortcomings

  • Capital Adequacy Ratio of the company is well above 19.11% set by RBI norms but is below the other small finance banks.
  • Company’s ROE has been falling for the past years and is below the peers.
  • Net profit margin has been consistently declined from 6.70% in 2016 to almost 5.07% in 2020.
  • Company’s Gross Non-performing assets have increased from 0.73% in 2016 to 1.76% in 2020 and is higher than industry average.

  • Company’s Net NPAs has risen from 0.45% in 2016 to 1.25% in 2020.
Capital Small Finance Bank Rating

  • RECOMMENDATION

    Startup Investment

  • Capital Small Finance Bank Detail Info

Industry Statistics

PRIVATE LIMITED

Registered In

India

Registered Date

31/05/1999

Stock Exchange Ticker

CSFB

Reg Office: Midas Corporate Park, 3rd floor 37, G.T. Road, Jalandhar - 144001

Website: https://www.capitalbank.co.in/