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15 Days Price Change

Capital Small Fin. IPO

Closing In

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WEBSITE Inc. Year: 1999 Industry: Bank - Private Listed Page

Profile
Issue Size --
Profile
Price Range 445  to  468 per share
Profile
Min Investment ₹468
Profile
Lot Size 1
Profile
Face Value ₹10
Profile
Draft Prospectus --
Invest Before the IPO Goes Live

Buy unlisted shares early and participate in the growth before public listing.

Profile
  • Basic Info
  • IPO Tentative Timetable
  • IPO Lot Size
  • Subscription Status
  • Financials
  • Profit & Loss
  • Balance Sheet
  • Cash Flow
  • Ratios
  • Growth Rates
  • Other info

Overview

Capital Small Finance Bank Limited commenced its operation on 24 April 2016 and is known as India’s first Small Finance Bank regarding the cost of funds, retail deposits, asset quality, and CASA deposits for the Fiscal Year of 2021. Before the conversion of CSFB, Capital Local Area Bank was operating as the largest local area bank in India since January 2000. The company offers a range of banking and financial products and services to its customers such as corporate/wholesale banking, retail banking, other banking operations, current, and savings accounts, term deposits, mortgage loans against properties, loans against rentals, credit card and its schemes and a lot more. The bank caters majorly caters to customers with middle income i.e. an average annual income of 0.4mn to 5mn. They are backed by institutional finance investors like ICICI Prudential Life, HDFC Standard Life Insurance, Oman India Joint Investment Fund, Pi Ventures LLP, and Amicus Capital Partners. The bank especially focuses on rural and semi-rural areas and is a pioneer in bringing modern facilities to these areas at a low cost. It offers an efficient, safe, and service-oriented repository of savings to the community, cutting down their dependency on moneylenders by providing easy access to a need-based credit card. Capital Small Finance Bank Limited has 159 branches and 161 ATMs in rural and semi-urban areas, covering 19 districts and four states. Read More

Basic Info

Face Value 10 per share

Price 445  to  468 per share

P/E (x) 15

Sales( Cr.) 1049

PAT( Cr.) 141

EPS 31.2

Draft Prospectus --

Exchange BSE-NSE

Promoter

Company Promoters

Sarvjit Singh Samra Amarjit Singh Samra Navneet Kaur Samra Surinder Kaur Samra

Pre Issue Share Holding 58.71%

Post Issue Share Holding 37.32%

Listing Details:

Listing Price: 435

Listing Gain: -7.59%

Current Price: 274.7

Gain On Issue: 274.7 | 0%

GMP: --

GMP %: -- %

IPO Tentative Timetable

Opening Date Feb 07, 2024
Closing Date Feb 09, 2024
Allotment Feb 12, 2024
Refund Feb 13, 2024
Delivery of Shares Feb 13, 2024
Listing Date Feb 14, 2024

IPO Lot Size

Application Lots Shares Amount
Retail (Min) 1 32 14,976
Retail (Max) 13 416 194,688
S-HNI (Min) 14 448 209,664
S-HNI (Max) 66 2112 988,416
B-HNI (Min) 67 2144 1,003,392

Objective of the Issue

The Bank proposes to utilize the Net Proceeds from the Fresh Issue towards augmenting our Bank& amp amp amp amp amp amp #039 s Tier-I capital base to meet the Bank& amp amp amp amp amp amp #039 s future capital requirements. Further, the proceeds from the Fresh Issue will also be used towards meeting the expenses in relation to the Offer. The Bank expects to receive the benefits of listing the Equity Shares on the Stock Exchanges.

Issue

Category Nos Bid Bid (x)
QIB 0 0 0x
NII 0 0 0x
Retail 0 0 0x
EMP 0 0 0x
Total 0 0 0x

Net Sales (in cr.)

Total Income (in cr.)

Operating Profit (in cr.)

Net Profit (in cr.)

Shareholder Funds (in cr.)

Total Assets (in cr.)

Capital Small Fin. Profit & Loss

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
Interest Earned 188 224 271 346 458 511 578 676 794 908 1049
Other Income 14 20 23 31 43 46 54 49 68 86 98
Total Income 202 244 294 378 501 557 632 725 862 995 1147
Interest Expense 125 150 166 211 286 313 323 354 449 498 587
Operating Expenditure 56 71 95 132 163 173 196 223 258 311 346
Provisions and contingencies 1 2 3 7 18 18 29 25 7 10 25
Operating Profit 20 22 30 27 35 54 84 124 148 175 189
Profit Before Tax 20 22 30 27 35 54 84 124 148 175 189
Provision for Tax 6 7 11 8 9 13 22 31 37 43 47
Profit After Tax 14 15 19 19 25 41 63 94 112 132 141
Adjustments 0 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 14 15 19 19 25 41 63 94 112 132 141
Adjusted Earnings Per Share 6 5.6 6.7 6.8 7.5 12 18.4 27.3 24.8 29.1 31.1

Capital Small Fin. Balance Sheet

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Shareholder's Funds 115 190 234 250 407 451 516 611 1197 1340 1461
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Deposits 1814 2378 2851 3667 4447 5221 6046 6561 7478 8323 10018
Borrowings 100 116 222 358 421 617 498 721 472 321 499
Other Liabilities & Provisions 23 36 46 45 56 83 93 98 148 124 166
Total Liabilities 2053 2721 3352 4321 5330 6371 7154 7991 9295 10108 12144
Cash and balance with RBI 68 152 154 215 221 722 364 463 569 650 413
Bank Balance 193 335 375 497 595 569 655 418 752 350 908
Investments 586 783 871 862 1052 1212 1357 1489 1706 1819 1973
Advances 1145 1365 1847 2599 3308 3727 4635 5429 6075 7090 8572
Fixed Assets 36 50 65 84 91 87 84 83 84 88 97
Other Assets 24 35 40 65 63 55 59 110 110 110 181
Total Assets 2053 2721 3352 4321 5330 6371 7154 7991 9295 10108 12144

Capital Small Fin. Cash Flow

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Opening Cash & Cash Equivalents 79 79 173 182 293 382 741 398 492 665 733
Cash Flow from Operating Activities -40 39 -40 8 -80 174 -211 75 116 279 -385
Cash Flow from Investing Activities -9 -20 -23 -31 -22 -12 -13 -202 -165 -56 -37
Cash Flow from Financing Activities 49 75 72 134 192 197 -120 222 223 -155 163
Net Cash Inflow / Outflow -0 94 9 111 90 359 -344 94 173 68 -258
Closing Cash & Cash Equivalent 79 173 182 293 382 741 398 492 665 733 475

Capital Small Fin. Ratios

# Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Earnings Per Share (Rs) 5.97 5.57 6.68 6.82 7.51 12.03 18.38 27.33 24.76 29.1 31.13
CEPS(Rs) 8.34 7.89 9.67 10.95 12.04 16.89 23.11 33.36 28.51 32.85 35.06
DPS(Rs) 1.6 0.8 0.8 0.2 0 0.8 1 1.2 1.2 1.38 1.61
Book NAV/Share(Rs) 49.89 70.48 82.01 87.89 120.32 132.94 151.5 178.27 264.23 294.39 319.85
Yield on Advances 16.42 16.38 14.67 13.32 13.85 13.72 12.48 12.45 13.08 12.81 12.23
Yield on Investments 7.58 8.02 7.84 7.84 7.47 7.68 6.56 6.59 6.58 6.82 6.72
Cost of Liabilities 6.55 6 5.42 5.25 5.87 5.36 4.93 4.86 5.65 5.77 5.58
NIM (Net Interest Margin) 3.15 2.81 3.22 3.24 3.34 3.19 3.64 4.13 3.79 4.14 3.89
Interest Spread 9.87 10.38 9.25 8.08 7.98 8.36 7.54 7.59 7.43 7.05 6.65
ROA(%) 0.74 0.63 0.63 0.51 0.53 0.7 0.93 1.24 1.29 1.36 1.27
ROE(%) 13.45 9.86 8.98 8.02 7.73 9.51 12.95 16.62 12.39 10.44 10.15
ROCE(%) 15.02 13.01 11.51 8.8 9.23 9.31 11.72 14.21 13.19 12.66 12.8
PER(x) 0 0 0 0 0 0 0 0 14.11 8.89 7.11
Price/Book(x) 0 0 0 0 0 0 0 0 1.32 0.88 0.69
Dividend Yield(%) 0 0 0 0 0 0 0 0 0.34 0.53 0.73
EV/Net Sales(x) 0.66 0.64 0.93 1.12 0.99 1.27 0.92 1.12 2.58 1.64 1.43
EV/Core EBITDA(x) 5.8 6.17 7.67 11.29 8.7 9.1 4.7 5.08 13.21 8.04 7.04
Interest Earned Growth(%) 17.2 18.98 21.15 27.78 32.3 11.64 13.06 16.91 17.5 14.37 15.42
Net Profit Growth -3.38 9.47 26.46 2.07 30.74 60.68 53.42 49.59 19.16 18.04 7.4
Advances Growth 23.55 19.24 35.29 40.69 27.29 12.65 24.36 17.13 11.9 16.72 20.9
EPS Growth(%) -27.53 -6.62 19.83 2.07 10.14 60.19 52.81 48.68 -9.39 17.51 7
Loans/Deposits(x) 5.53 4.89 7.8 9.77 9.47 11.81 8.24 11 6.32 3.85 4.99
Cash/Deposits(x) 0.04 0.06 0.05 0.06 0.05 0.14 0.06 0.07 0.08 0.08 0.04
Current Ratio(x) 0.32 0.33 0.31 0.24 0.24 0.23 0.22 0.23 0.23 0.22 0.2
Quick Ratio(x) 5.53 4.89 7.8 9.77 9.47 11.81 8.24 11 6.32 3.85 4.99
CASA % 35.16 39.54 39.99 38.39 36.31 40.08 42.16 41.88 38.3 36.94 34.74

Sihora Industries Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 16% 16% 15% 19%
Operating Profit CAGR 8% 15% 28% 25%
PAT CAGR 7% 14% 28% 26%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR -8% NA% NA% NA%
ROE Average 10% 11% 13% 11%
ROCE Average 13% 13% 13% 12%

Company Contact Information

Capital Small Finance Bank Ltd.

M I D A S Corporate Park 3rd Floor , 37 , G . T . Road

IPO Lead Manager(s)

Capital Small Finance Bank Ltd.

Dam Capital Advisors Ltd. (Formerly IDFC Securities Ltd.)

Equirus Capital Pvt Ltd

Nuvama Wealth Management Ltd.

Registrar Info

Capital Small Finance Bank Ltd.

Frequently Asked Questions

All You Need To Know About IPO

When you leave without vesting, generally unvested ESOPs are cancelled. Vested ESOPs usually can be exercised after you depart, often within 3 to 6 months, depending on the company's ESOP plan.

For companies listed on a stock exchange, you can sell the shares any time after you exercise the ESOP option and the shares are in your demat account. If the company is unlisted or otherwise a startup, you can only sell the shares if and when the company announces a buyback or has a process for secondary sales.

Whenever you exercised your options to hold shares, you entered into a market risk situation, and if the valuation of the company drops, so do the shares.

Yes. ESOPs are valuable to the employer in that the employer is able to retain the best talent, align employee interests with company goals, and preserve cash while rewarding performance.

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