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Capital Small Finance Bank IPO
Capital Small Finance Bank Limited IPO combines Rs 450 crores in fresh equities and 3,840,087 equity shares from selling shareholders. Capital Small Finance Bank is one of the leading small finance banks.
Opening Date
To be announced
Closing Date
To be announced
Price Band
To be announced
Issue Size
To be announced
Face Value
To be announced
Market Lot
To be announced
Opening Date
To be announced
Closing Date
To be announced
Price Band
To be announced
Issue Size
To be announced
Face Value
To be announced
Market Lot
To be announced
Listing at NSE, BSE
Capital Small Finance Bank IPO Important Dates
| IPO Open Date | To be announced |
|---|---|
| IPO Close Date | To be announced |
| Allotment Date | To be announced |
| Initiation Of Refunds | To be announced |
| Credit Of Shares To Demat Account |
To be announced |
| IPO Listing Date | To be announced |
| UPI Mandate Expiry Date | To be announced |
About Capital Small Finance Bank Limited
Capital Small Finance Bank started in 2016 as India’s first small finance bank. They began as a local bank and were one of the first two NBFCs to receive a small finance banking (SFB) licence in 2015.
As an SFB, Capital Small Finance Bank offers a diversified product portfolio with a sizable book in multiple asset classes. They have the highest number of secured loans, 99%, among all peers.
Capital Small Finance Bank IPO Objectives
- A significant portion of the net proceeds will be used for paying fees to BRLMs and legal counsel.
- The bank will utilise the IPO funds to cover expenses related to the listing process like advertising and marketing expenses, Registrar’s fees, SCSB’s fees etc.
Why should you invest in Capital Small Finance Bank IPO?
Below are your top reasons:
- They were in the leading positions in asset qualities, costs of funds, retail and CASA deposits in FY21.
- Capital Small Finance Bank has steady financials among SFBs. Their GNPA and NNPA of 2.08% and 1.13% are the lowest among small finance banks.
- Capital SFB has faired better during major disruptive events. It has shown resilience and continuous growth in deposits.
- They have maintained a higher growth ratio than the public sector banks, private sector banks, and their combined growth rate from 2017 to 2021.
Financial Highlights
| Particulars | For the year/period ended (₹ in million) | FY21 | FY20 | FY19 |
|---|---|---|---|
| Revenue From Operation | 3,185.85 | 2,768.19 | 2,317.57 |
| EBITDA | 702.29 | 499.19 | 386.90 |
| EBITDA Margin (%) | |||
| Profit | 1395.56 | 1091.49 | 925.70 |
| EPS | 11.98 | 8.16 | 6.82 |
| ROE | 9.51 | 7.72 | 8.02 |
How to apply for Capital SFB IPO?
Retail investors need to apply for the IPO using UPI.
UPI
- Link your bank to a UPI id
- Register your UPI id with your Demat account
- Subscribe for Capital Small Finance Bank IPO and approve the payment on your UPI
Demat Account
- If you’re a new investor, Open a DEMAT Account for free with Angel One and begin your investment journey.
Capital Small Finance Bank Noteworthy Highlights
- They have notably substantial retail liability with a high share of CASA among SFBs.
- The bank offers a diversified portfolio to a dispersed customer base.
- The SFB deposit and credit are expected to reach 1% and 1.5%, respectively, from the current status of 0.6% and 1.0% by Fiscal 2024.
- They set themselves apart, focusing on growing the loan book with secured loans.
- Capital SFB has the lowest credit cost among its peers.
The Brand’s Pros & Cons:
| Pros | Cons |
|---|---|
| Since its conversion into an SFB, they have strengthened its branch banking arm by adding 111 new branches. | Their business is concentrated in the state of Punjab. Any adverse change in the state’s economy or politics can impact the bank’s profitability. |
| The bank is well-positioned to capitalise on the growing Indian middle-class population with its full suite of products and services. | Capital SFB needs to maintain the CRR and SLR fixed by RBI as a bank. Any change in limits or the bank’s inability to fulfil the CLR and SLR will impact future cash flow. |
| They explore new markets through branch expansion across Punjab, Haryana, Delhi, and Rajasthan. | Although the bank has shown resilience in the current pandemic situation, it might get impacted if the condition continues. |
| They have some formidable names as its shareholders - PI Ventures LLP, SIDBI, Amicus, OIJIF II, ICICI Prudential, and HDFC Life. | Exposure to additional credit risk or growth in NPA can hurt its profit. |
Competitive Analysis: Market Peers
Capital SFB continues to face competition from other listed SFBs.
| Company Name | Total Income (in ₹ million) | P/E | EPS (diluted) |
|---|---|---|---|
| Capital SFB | 5,572.97 | 11.98 | |
| City Union Bank | 48,394.52 | 20.68 | 7.97 |
| AU SFB | 64,015.98 | 30.98 | 37.86 |
| Equitas SFB | 36,124.68 | 18.47 | 3.49 |
Capital Small Finance Bank IPO FAQs
What is Capital SFB IPO?
When will the Capital SFB IPO allotment be available?
What will be the Capital SFB IPO lot size?
When will Capital SFB IPO open for subscription?
What minimum lot size can retail investors subscribe to?
When is the Capital SFB IPO listing date?
Which exchanges will Capital SFB list on?
How to check the allotment status of Capital SFB IPO?
- Open Angel One App and search for investment opportunities
- Select IPOs and FPO
- Select the Order Book Option
How to apply for this Capital SFB IPO via the Angel One App?
- Log in to your account
- Select Medi Assist Healthcare from the Active IPO list
- Click 'Apply'
- Complete the bidding process and make payment through UPI
- Approve payment mandate on your UPI handle
Can I submit more than one application for the public issue of Capital SFB using one PAN?
I have finished the application process for Capital SFB IPO, but the funds are not yet debited. What is the reason?
Who is the owner of Capital SFB?
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