OUR BUSINESS
We commenced operations as India’s first small finance bank in 2016, and are among the leading SFBs in India in terms of cost of funds, retail deposits, and CASA deposits for Fiscal 2023. We had the highest proportion of retail deposits at 97.90% along with a CASA ratio of 41.88% resulting in the lowest cost of funds of 5.12% among the SFBs as of Fiscal 2023.
We have the most diversified portfolio with sizeable books in multiple asset classes as compared to other SFBs with the highest proportion of secured lending of 99.82% as of Fiscal 2023 among the SFBs. We have one of the best asset quality among the SFBs represented by GNPA and NNPA of 2.77% and 1.36%, respectively as of Fiscal 2023,
and the lowest average GNPA at 2.45% and the third lowest average NNPA among the SFBs at 1.28% from Fiscals 2021 to Fiscal 2023. We are the only SFB to show an increasing trend in profit after tax, RoA, and RoE for both Fiscal 2022 and Fiscal 2023 depicting our consistent outperformance against comparable SFBs.
CAPITAL SMALL FINANCE BANK IPO DATE & PRICE BAND DETAILS
IPO Open Date February 7, 2024 IPO Close Date February 9, 2024 IPO Size Approx ₹523.07 Crores IPO Fresh Issue Approx ₹450.00 Crores Offer For Sale Approx ₹73.07 Crores IPO Face Value ₹10 Per Equity Share IPO Price Band ₹445to ₹468 Per Every Share IPO Listing On NSE and BSE IPO Retail Quota 15% IPO QIB Quota 50% IPO NII Quota 30% IPO Discount N/A DRHP Draft Click here RHP Draft Click here Anchor Investor Click here
CAPITAL SMALL FINANCE BANK IPO MARKET LOT DETAILS
Application Lot Size Shares Amount Retail Minimum 1 32 ₹14,976 Retail Maximum 13 416 ₹194,688 S-HNI Minimum 14 448 ₹2,09,664 B-HNI Minimum 67 2,144 ₹10,03,392
OBJECTS OF THE OFFER
Each of the Selling Shareholders will be entitled to their respective portion of the proceeds from the Offer for Sale in proportion to the Equity Shares offered by the respective Selling Shareholders as part of the Offer for Sale. Our Bank will not receive any proceeds from the Offer for Sale.
CAPITAL SMALL FINANCE BANK IPO ALLOTMENT & LISTING DATE (DETAILS)
Anchor Investor Allotment Feb 6, 2024 IPO Open Date Feb 7, 2024 IPO Close Date Feb 9, 2024 Basis of Allotment Feb 12, 2024 Refunds Feb 13, 2024 Credit to Demat Account Feb 13, 2024 IPO Listing Date Feb 14, 2024
CAPITAL SMALL FINANCE BANK FINANCIAL REPORT
₹ in Crores Year Revenue Expense PAT 2023 ₹725.48 ₹631.88 ₹93.60 2022 ₹632.40 ₹569.83 ₹62.57 2021 ₹557.27 ₹516.48 ₹40.78
OUR PROMOTERS
The Promoters of our Bank are:
- Sarvjit Singh Samra
- Amarjit Singh Samra
- Navneet Kaur Samra
- Surinder Kaur Samra
- Dinesh Gupta.
QUALITATIVE FACTOR
We believe the following business strengths allow us to successfully compete in the industry
- Retail Focused Liability Franchise with a High Share of CASA
- Secured and diversified advanced portfolio
- Streamlined credit assessment processes and risk management practices
- Customer-centric approach and deep understanding of target customers
- Consistent track record of growth with constantly improving operational and profitability metrics
- Professional and experienced leadership team
Basic & Diluted Earnings Per Equity Share (“EPS”)
Financial Year Ended Basic EPS (in ₹) Diluted EPS (in ₹) Weight March 31, 2023 27.35 27.21 3 March 31, 2022 18.41 18.22 2 March 31, 2021 12.04 11.98 1 Weighted Average 21.82 21.68
CAPITAL SMALL FINANCE BANK COMPANY CONTACT DETAILS
MIDAS Corporate Park
3rdFloor, 37, G.T. Road
Jalandhar 144 001
Punjab, India
Tel:+ 91 181 5051 111
Email:cs@capitalbank.co.in, csfbipo@capitalbank.co.in
Website:www.capitalbank.co.in
CAPITAL SMALL FINANCE BANK IPO REGISTAR
Link Intime India Private Limited
C-101, 1stFloor
247 Park, L.B.S. Marg
Vikhroli WestMumbai 400 083
Maharashtra, India
Tel: +91 810 811 4949
Email: olaelectric.ipo@linkintime.co.in
Website: www.linkintime.co.in
Investor Grievance ID: olaelectric.ipo@linkintime.co.in
Contact Person: Shanti Gopalkrishnan
