Capital Small Finance Bank Limited
Book Built Issue IPO · NSE, BSE
- Price band
- ₹445 - ₹468
- Lot size
- 32 shares
- Issue amount
- ₹523.07 cr
- Total subscription
- 4.17×
- Opens
- 7 Feb 2024
- Closes
- 9 Feb 2024
- Allotment
- 13 Feb 2024
- Listing
- 14 Feb 2024
Offer at a glance
Issue overview
- Issue size
- 1,11,76,713 shares
- Face value
- ₹10 Per Equity Share
- Minimum investment
- ₹14,240
- Fresh issue
- ₹450 cr
- Offer for sale
- ₹73.07 cr
- Registrar
- Link Intime India Private Limited
- Listing exchange
- NSE, BSE
- Maximum investment
- ₹14,976
- Issue type
- Book Built Issue IPO
- Shares before issue
- 3,53,50,636
- Shares after issue
- 4,49,66,020
Lot sizes
| Category | Lots | Shares | Amount |
|---|---|---|---|
| RETAIL | 1 | 32 | ₹14,976 |
| sHNI | 14 | 448 | ₹2,09,664 |
| bHNI | 670 | 2,144 | ₹10,03,392 |
Share reservation
Subscription & GMP
Subscription by category
Missing multiples are calculated from bids and offered shares when available.
GMP history
Subscription demand
Amounts in ₹ crore. HNI subcategories are included in the NII total.
| Category | Offered | Demand |
|---|---|---|
| QIBs | 104.61 | 717.58 |
| RETAIL | 183.07 | 476.46 |
| NIB | 78.46 | 331.84 |
| HNIs 2+ | 26.15 | 141.92 |
| HNIs 10+ | 52.31 | 189.92 |
Financial performance
Company financials
In Crores · Reported periods may include interim results.
Key performance indicators
| Metric | Values |
|---|---|
| EPS | 24.19 |
| ROE | 16.45 |
| ROCE | 0 |
| RONW | 15.33 |
| PRE IPO(PE) | 26.48 |
| POST IPO(PE) | 17.68 |
Values and labels as reported in the issue data.
Company information
Company profile
Capital Small Finance Bank Limited, founded in 1999, has steadily grown into a trusted small finance bank in India, becoming the first non-NBFC microfinance institution to receive an SFB license in 2015. The bank focuses on semi-urban and rural areas, serving middle-income customers earning between ₹4 lakh and ₹50 lakh with a mix of financial products, strong customer service, and a blend of branch-based and digital banking options. Headquartered in Jalandhar, it now operates 172 branches and 174 ATMs across Punjab, Haryana, Rajasthan, Delhi, Himachal Pradesh, and Chandigarh, with nearly 76% of its customers coming from rural and semi-urban regions. Most of its loans are secured and backed by immovable property, with average loan sizes of ₹12.3 lakh for agriculture, ₹18.2 lakh for MSME, and ₹11.6 lakh for mortgage loans. Supported by a workforce of 1,827 employees, the bank remains committed to offering reliable and accessible banking services to the communities it serves.
Strengths
- Diversified loan portfolio: The bank reduces risk by spreading its lending across multiple sectors and borrowers.
- Strong retail-focused deposit base: A high share of CASA deposits ensures steady, low-cost funding.
- Customer-centric product strategy: Deep market understanding helps the bank design solutions that genuinely meet customer needs.
- Robust credit assessment and risk management: Efficient processes maintain strong credit quality and smooth lending operations.
- Consistent growth track record: The bank has steadily improved performance and profitability, demonstrating strength in a competitive market.
Risk factors
- Regulatory compliance risks: The bank must adhere to strict regulations, and any failure could lead to legal actions, penalties, or operational disruptions.
- High regional concentration: With around 87% of branches in Punjab, the bank is vulnerable to economic and market risks specific to North India.
- Penalties for non-compliance: Inability to meet regulatory standards may result in financial setbacks, affecting performance and long-term stability.
Promoters
Sarvjit Singh Samra
Amarjit Singh Samra
Navneet Kaur Samra
Surinder Kaur Samra
Dinesh Gupta
Registrar & documents
Lead manager
Nuvama Wealth Management Limited, Dam Capital Advisors Limited, Equirus Capital Private Limited
Registrar & contacts
Link Intime India Private Limited
[email protected]Official registrar portal ↗IPO allotment status guide →Registered office
MIDAS Corporate Park, 3rdFloor, 37, G.T. Road, Jalandhar 144 001
+91 181 5051111
[email protected]Company website ↗Understanding CAPITALSFB IPO data
Compare the price band and required investment with the company profile, financial results and offer documents. Subscription figures show reported demand by category; they do not establish the value of the business. GMP is an unofficial indication and can change before listing.