Archive · 3 Aug 2025
Capital SFB Delays Universal Banking and AD-1 License Plans
Capital Small Finance Bank (SFB) is taking its time before becoming a universal bank.
They are currently focusing on growing their existing business.
The bank's loan book aims to increase by 20% this year.
They made a profit of Rs 32 crore last quarter, and their bad loan ratio is relatively low.
They aren't planning on getting a special license right now that would allow them to do more business in trade finance because they are currently focused on individual customers.
Capital Small Finance Bank (SFB) is not in a rush to apply for a universal banking license.
The bank aims to grow its loan book by 20% in the current fiscal year.
As of June 30, the net NPA ratio of the SFB stood at 1.4%.
Capital SFB reported a net profit of Rs 32 crore for the June quarter.
The bank is not immediately applying for an authorised dealer-1 (AD-1) license.
- Who
- Capital Small Finance Bank and its managing director and CEO Sarvjit Samra.
- What
- Capital SFB is not in a rush to become a universal bank and delaying the AD-1 license application.
- When
- The bank reported its financial results for the June quarter.
- Where
- N/A
- Why
- The bank wants to focus on current business growth and retail customers before expanding.
Capital SFB's Position
N/A
AD-1 License Application
Capital SFB's Position
Capital SFB is not prioritizing the AD-1 license.
N/A
N/A
- Net NPA Ratio
- 1.4% (as of June 30)
- Loan Book Growth Target
- 20% (for current fiscal year)
- June Quarter Net Profit
- Rs 32 crore
- AD-1 License
- Application delayed