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Capital Small Finance Bank Limited

"Capital Small Finance Bank Limited (CSFBL) started operations as India's first 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...

"Capital Small Finance Bank Limited (CSFBL) started operations as India's first 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...

Key Metrics

Financials

Pros & Cons

Lender Profile

Shareholding Pattern

Key Metrics

EPS

24.79

Current ratio

0.18

Debt/Equity

6.77

Debt/EBITDA

49.06

Interest coverage ratio

-

Operating Cashflow to total debt

0.01

Financials

Pros & Cons

Exclusive on TAP Bonds

Here's what we like about this company and potential risks we have identified.

Pros

  • Established track record in lending business

  • Good asset quality backed by secured lending

  • Low cost of funds with high CASA ratio and rollover rate for term deposits

  • Moderate, albeit improving profitability

  • Liquidity: Adequate

Cons

  • Geographical concentration of loan portfolio

  • Relatively smaller in size as compared to other peers

  • Modest capitalisation ratios

Disclaimer: Tap Bonds gathers data directly from the respective OBPP websites but does not guarantee its accuracy. We do not offer investment advice or endorse the purchase of any securities mentioned, nor do we warrant the reliability of the information collected.

About Capital Small Finance Bank Limited bond.

This comprehensive profile covers key factual information about Capital Small Finance Bank Limited. "Capital Small Finance Bank Limited (CSFBL) started operations as India's first 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. The bank transitioned from a local area bank to small finance bank with 47 branches. At present, it has total 161 branches- 145 in Punjab, 11 in Haryana, 3 in New Delhi and 2 in Rajasthan. The bank’s focus is on retail segment for both loans and deposits. Retail advances form 72% of the total gross advances, whereas retail deposits form 97% of the total deposits. Average roll over is 90% for term deposits. The target segment is the middleincome group salaried people and farmers for both loans and deposits. Around 99% of the loan portfolio is secured. 70% of its business is in rural and semi-urban areas. Its focus is to be the primary banker of the customer. Sarvjit Singh Samra is the Managing Director (MD) and CEO of CSFBL. He has over 35 years of experience in the banking and financial industry spread over various roles and has been associated with the bank since its inception. He has been instrumental in the conversion of bank from a local area bank to an SFB. " EPS in Mar-2024 was 24.79. Current ratio in Mar-2024 was 0.18. Debt/Equity in Mar-2024 was 6.77. Debt/EBITDA in Mar-2024 was 49.06. Interest coverage ratio in Mar-2024 was . Operating Cashflow to total debt in Mar-2024 was 0.01. Total revenue for Mar-2025(E) was ₹900.40. Net income for Mar-2025(E) stood at ₹105.85. Total assets as of Mar-2024 were ₹9298.13. Total liabilities as of Mar-2024 were ₹8100.71. Operating cash flow for Mar-2024 was ₹112.98. The company’s borrowing relationships include (₹N/A Cr). Peers and comparison entities consist of Capital Small Finance Bank Limited, HDFC Bank Limited, ICICI Bank Limited, Axis Bank Limited. As of Dec 2024, promoters hold N/A% while others hold N/A% of equity. Key strengths include: Established track record in lending business ; Good asset quality backed by secured lending; Low cost of funds with high CASA ratio and rollover rate for term deposits; Moderate, albeit improving profitability; Liquidity: Adequate. Key risks include: Geographical concentration of loan portfolio; Relatively smaller in size as compared to other peers; Modest capitalisation ratios. Leadership team details include Mr.Aseem Mahajan (Chief Financial Officer), Mr.Amit Sharma (Company Secretary & Compliance Officer), Mr.Srinath Srinivasan (Director), Mr.Kamaldeep Singh Sangha (Director), Mr.Sukhen Pal Babuta (Director), Mr.Dinesh Gupta (Director), Mr.Balbir Singh (Director), Ms.Rachna Dikshit (Director), Mr.Mahesh Parasuraman (Director), Mr.Nageswara Rao Yalamanchili (Director), Mr.Sham Singh Bains (Director), Mr.Gurpreet Singh Chug (Director), Mr.Munish Jain (Executive Director), Mr.Sarvjit Singh Samra (Managing Director & CEO), Mr.Navin Kumar Maini (Part Time Chairman & Independent Director). This detailed corporate overview is structured to provide a thorough understanding of all available data points, enhance search visibility, and support investor analysis.

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