Capital Small Finance Bank Limited Unlisted Shares | Price, News, Valuation - UnlistedDeal

Capital small finance bank overview

Capital Small Finance Bank Limited is a scheduled commercial bank and India’s Capital 1st Small Finance Bank which started its operations on April 24, 2016, after its reformation from Local Area Bank. Prior to the reformation to a Small Finance Bank, Capital Local Area Bank was India’s largest local area bank since January 14, 2000.

The Bank pioneered in bringing modern banking facilities to rural areas at low cost. The bank’s branch has been open on all 7 days since the start of operations. The bank’s focus is to serve the common man and solve local problems which have given the bank an added advantage over the competitors in the entire region resulting in all the branches of the bank become market leaders in the respective area. This has also impacted the Capital Small Finance Bank share value. The bank has made need-based credit easily available and thereby reducing the community dependency on money lenders who lends funds at an exorbitant rate of interest.

The bank transitioned to Small Finance Bank with merely 47 branches and has now surpassed over 150 branches, within 4 years of operations, which is further expected to grow to 265 branches by 31st March 2023. The bank currently operates from Punjab, Delhi, Haryana, Rajasthan and Chandigarh.

The total business of the Bank has crossed INR 7,350 crores with over 6,90,000 accounts which is expected to grow to INR 18,000 Crores by 31^st March 2023. The Bank has 80% of its business in rural and semi-urban areas, with priority sector lending of 81.28% of the Adjusted Net Bank Credit as on March 31, 2019. The Bank is extending loans primarily to small borrowers. As on March 31, 2019, 54.10% of the total advances are up to the ticket size of INR 25 lacs.

The bank is a corporate agent of ICICI prudential life insurance company limited and HDFC life insurance company limited and offers insurance solutions to its clients.

The bank is a one-stop financial hub in rural and semi-rural areas.

Management of the company:

Name	Designation
Inder Krishan Sardana	Director
Madan Gopal Sharma	Director
Sarvjit Singh Samra	Managing Director
Santokh Singh Chhokar	Director
Sham Singh Bains	Additional director
Ranbir Singh	Director
Harmesh Khanna	Director
Sukhpal Singh Gill	Director
Rakesh Soni	Director
Munish Jain	Chief financial officer
Sahil Vijay	Company secretary

Past performance of the bank:

(All figures INR in crores except specifically mentioned)

Particulars	2016-17	2017-18	2018-19
Total Income	243.58	293.87	377.60
Profit After Tax (PAT)	15.04	19.02	19.41
Earnings per share (EPS) (INR)	6.53	6.86	6.82

Ratio analysis

Particulars	31.03.2017	31.03.2018	31.03.2019
CASA	39.54%	39.99%	38.39%
Return on Avg equity	12.40%	8.98%	8.04%
Return on Avg. assets	0.63%	0.64%	0.51%
Net Interest Margin	3.08%	3.50%	3.58%
Book Value	70.49	82.01	87.89
Capital adequacy ratio	22.95%	19.66%	17.47%
Gross NPAs	1.02%	1.14%	1.30%
Net NPAs	0.72%	0.84%	0.93%

Top 10 shareholders of the company as on 31.03.2019:

Name of the shareholder	No. of Shares	Holding (in %)
Santokh Singh Chhokar	17,60,000	6.18
Pi Ventures LLP	13,94,400	4.90
HDFC Standard Life Insurance co ltd.	13,94,400	4.90
Small Industries Development Bank of India	13,49,650	4.74
ICICI prudential life insurance co. ltd.	13,22,400	4.64
Rashpal Singh Virk	8,97,729	3.15
Balbir Singh	8,62,400	3.03
International Township Developers Pvt Ltd.	5,70,080	2.00
Avtar Singh Samra	4,16,000	1.46
Gurinder Mann	3,91,111	1.37
Total Outstanding shares	2,84,80,743	100

Annual Reports for the last 2 years are as under

CSFB-annual-report-2019.pdf

CSFB-annual-report-2018.pdf

Capital Small Finance Bank Limited Unlisted Shares:

Particulars	Narration
Total available shares	1,000 equity shares
Face Value	₹10 per equity share
ISIN	INE646H01017
Lot size	100 shares
Current Unlisted Share Price	₹ Best in Industry per Equity Share
Registered office	Midas Corporate Park, 3rd floor 37, G.T. Road, Jalandhar
PAN Number	AABCC3632Q

Unlisteddeal review:

The bank is performing well year on year basis and is increasing its reach along with the infusion of new capital, which has benefited the Capital Small Finance Bank share price
Net NPA of the bank stood at 0.93% as on 31.03.2019 where most other banks and NBFCs were struggling to hold their NPAs from fall down.
The bank management has executed activities very well and is expected to achieve its projected growth which will give an opportunity to deliver decent CAGR returns to the esteemed Capital Small Finance Bank shareholders.

1. How to buy Capital Small Finance Bank Limited unlisted shares?

Step by Step process to buy Capital Small Finance Bank Limited unlisted shares at the best price today is as under:

Step 1: A deal is proposed between unlisteddeal and buyer either on WhatsApp or over email.

Step 2: Buyer provides their client master copy for transfer of shares, PAN card copy, Aadhar card copy and cancelled cheque. The deal gets confirmed once documents provided are in order.

Step 3: Buyer transfers deal amount to bank account details provided by us and provide us with remitter name, bank account number, bank name and UTR no. for the amount transferred to us.

Step 4:We shall transfer shares to buyer account on the same day of receipt of funds and raise contract note.

See the Infographic flow to buy the shares

2. How to sell Capital Small Finance Bank Limited unlisted shares?

Step by step process to sell Capital Small Finance Bank Limited unlisted shares is as under:

Step 1: A deal is proposed between unlisteddeal and seller either on WhatsApp or over email.

Step 2: Seller provides their client master copy, PAN card copy, Aadhar card copy, delivery instruction slip (DIS) copy and cancelled cheque copy. The deal gets confirmed once documents provided are in order.

Step 3: Seller transfer shares to details provided to them by us.

Step 4: We shall make payment to the seller on the same day of receipt of shares.

See the Infographic flow to sell the shares