CAPITALSFB READY TO GAIN TRUST "Vishwas se Vikas tak"

5 giorni fa

Hello, Everyone I hope you all will be doing well in your life and your investing as well. Here I have brought a stock of a small finance bank ltd. CAPITALSFB is the name of the stock. CMP is 286. Its all-time low is 270. can count as stoploss and all time high is 469. Strong support at 270. Strong Resistance at 300. If it breaks and close above 310 then Upside target as per Fibbo 350, 370, 390, 420 and 470.

Just an assumption. Please do you research. Not a suggestion of buying.



Source: Screener.in

Capital Small Finance Bank Ltd



About

Incorporated in 1999, Capital
Small Finance Bank Ltd is India's
first Small Finance Bank[1]

Key Points

Business Overview:
CSFBL started as a local area bank and converted to a Small Finance bank. It extends agriculture loans including kisan credit card (KCC) loans, mortgage loans, housing loans and Micro, Small and Medium Enterprise (MSME) loans to middle income individuals.

Asset Quality:
99%+ of their advances are secured due to which they have been able to keep their asset quality under control with gross non-performing assets ratio remaining below 3% over the last five years, with minimal write-offs

Advances Book:
In FY24, their advances stood at Rs. 5,634 crore with overall 40,000 customers. Agriculture lending was 37% of advances, in the form of KCC and term loan.
The average ticket size for agricultural loans is Rs, 12 lakh and lending rate is ~12%. Rest of the loan portfolio consists of MSME loans with an average ticket size of Rs. 18 lakhs and lending rate of ~11%, contributing ~20% to their loan portfolio along with Mortgage Loans contributing ~27% to their advances with an average ticket size of ~Rs. 12 lakhs and lending rate of ~12%

Retail Loans & Deposits:
Their focus is on retail segment for loans and deposits. Retail advances form ~74% of the total gross advances, and retail deposits form ~97% of total deposits. Average roll over is ~90% for term deposits

Loan Portfolio:
Agricultural ~Rs. 2,293 Crore,
MSME, and Trading ~Rs. 1,182 Cr,
Mortgage Lending ~Rs. 1,624 Cr,
Large Corporate Loans ~Rs. 566 Cr,
Others ~Rs. 495 Cr

Deposit Portfolio:
Savings A/C ~Rs. 2,607 Cr.,
Current A/C ~Rs. 256 Crore,
Term Deposits ~Rs. 4,614 Cr

Services Offered:
a) Loan Portfolio:
Agricultural (Kisan Credit Card, Agricultural
Term Loan), MSME & Trading (CC/OD/WCTL, Project Loan, Machinery Loans), Mortgage (Housing, Loan-against-property), Others
(Gold loans, Auto loans Consumer durable
loans, Personal loans, Corporate loans)
b) Deposit Portfolio:
Savings Account (Capital Savings &
Capital Super Savings A/c), Current
Account (Capital plus Current Account
Capital flexi A/c), Term Deposits (Short
-Term Deposit, Cumulative Deposit,
Monthly Interest Deposit, Tax Saver
Accounts), NRE/NRO Accounts
c) Fee-based Products:
Insurance Products, Forex Services,
Money Transfer Services, Safe Deposit
Lockers, 3-in-1 Demat & Trading Account
d) Other Services:
Branches, ATMs, ATM cum Debit Cards,
Internet Banking, Mobile Banking (Capital Mobile+), Mobile Passbook (Capital Mobile Connect)

Geographical Presence:
Company has 180 branches in 40
districts and 7 states & UTs including:
Punjab ~154, Haryana ~16, Rajasthan
~3, NCR ~3, Chandigarh ~2, Himachal Pradesh ~1, Jammu & Kashmir ~1

Rural-Urban Mix:
Rural Areas ~41%, Semi-Urban Areas ~34%, Urban Areas ~25%

Revenue Breakup - FY24:
Interest on advances/bills ~72%, Income on investments ~13%, Interest on balance with Reserve Bank of India and inter-bank funds ~6%, and Commission, exchange, and brokerage ~7%, Other Income ~2%

Change of KMP:
M/s T R Chadha & Co. LLP resigned
as the Statutory Auditors and were
replaced by M/s SCV & Co. LLP on
July 23rd 2024


This is just to boost my confidence. No Suggestions for buying.

Disclosure: I am not SEBI registered. The information provided here is for educational purposes only. I will not be responsible for any of your profit/loss with these suggestions. Consult your financial advisor before making any decisions.