Past performance
About Capital Small Finance Bank Ltd Capital Small Finance Bank Limited, headquartered in Jalandhar, Punjab, commenced as India's first small finance bank in 2016, transitioning from a local area bank established in 1999. It operates under the regulation of the Reserve Bank of India, offering a variety of banking and financial services in Punjab, Haryana, Delhi, Rajasthan, Himachal Pradesh, and the Union Territory of Chandigarh. The bank's portfolio emphasizes agricultural, MSME, trading, mortgage, and retail loans, primarily targeting middle-income segments. By March 31, 2024, the bank expanded to 177 branches and 179 ATMs across India, with a significant presence in rural and semi-urban areas.
In 2023, Capital Small Finance Bank reached a net profit of Rs 93.59 Crore, marking a 50% growth, with total business surpassing Rs 12,000 Crore. It launched an IPO in February 2024, raising Rs 523 Crore to further its operations. The bank faces competition from other small finance banks, commercial banks, and non-banking financial companies in a dynamic financial environment.
Performance overview