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

View all upcoming IPOs

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

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?

Capital SFB IPO is a combination of new shares worth Rs 450 crore and 3,840,087 equity shares from selling shareholders.

When will the Capital SFB IPO allotment be available?

Details not available.

What will be the Capital SFB IPO lot size?

Details not available.

When will Capital SFB IPO open for subscription?

Details not available.

What minimum lot size can retail investors subscribe to?

Retail investors can apply for a minimum of one lot.

When is the Capital SFB IPO listing date?

It takes approximately ten working days from the last day of subscription to list the shares on the bourses.

Which exchanges will Capital SFB list on?

The shares will list on BSE and NSE exchanges.

How to check the allotment status of Capital SFB IPO?

Existing Angel One clients can check their IPO allotment status from their accounts.
  • 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?

Follow the simple steps below.
  • 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?

No. Only one application is allowed against one PAN number.

I have finished the application process for Capital SFB IPO, but the funds are not yet debited. What is the reason?

Once you approve the UPI payment mandate, the bank will not immediately debit the amount. They will block the fund in your account. Once IPO shares are allotted in your name, the amount will get debited or else the bank will unblock the funds after the UPI mandate expiry date.

Who is the owner of Capital SFB?

Madan Gopal Sharma and Sarvjit Sharma are the current Chairman and CEO of Capital Small Finance Bank Ltd.

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