Capital Small Finance Bank

Headquartered in Jalandhar, Punjab, Capital Small Finance Bank began operations as India’s first small finance bank (SFB) in April 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. Running our legacy to build a retail focused banking franchise by enabling access for middle income group customers to affordable credit in the states Bank operates, we have cemented our position as one of the most prominent SFBs in India. We achieved this by continuously enhancing our capabilities in various metrics, including asset quality, cost of funds, retail deposits, and CASA deposits. Our banking expertise spans over two decades, during which we evolved from the largest local area bank to an SFB. Our banking portfolio offers a diverse range of asset and liability products and various third-party products/services as well. In our asset category, we cater to agricultural needs, micro, small, and medium-sized enterprises (MSMEs), and trading requirements, including working capital and machinery financing. We also provide mortgages, predominantly for housing loans.

At Capital Small Finance Bank, our exceptional growth and superior asset quality, in comparison to other SFBs, can be credited to well diversified loan portfolio emphasizing income generation, a consistent emphasis on secured lending, continuous customer engagement, the adoption of structured underwriting practices, and rigorous credit assessment & risk management strategies.

We leverage technology to boost digital payment methods and communicate with customers, aiming to sustain and amplify our customer transactions. Our overarching goal is to elevate the overall customer experience by broadening our technological adoption.