Capital Small Finance Bank offers a range of banking solutions pertaining to both assets and liabilities. Asset products primarily include mortgages (which include home loans and loans secured by property), MSME, and trading loans (which include working capital and machinery loans).

The bank serves those who make between INR 4 lakh and INR 50 lakh per year, with a concentration on the middle class. As of September 30, 2023, the branches’ distribution—41.62% in rural areas, 34.68% in semi-urban areas, and 23.70% in metropolitan centers—reflects their dedication. The bank has progressively extended its Small Finance Bank (SFB) operations over the years, concentrating on the northern Indian states of Punjab, Haryana, Rajasthan, Delhi, and Himachal Pradesh. The bank’s headquarters are located in Jalandhar, Punjab.

Additionally, Capital Small Finance Bank receives fees for a range of goods and services, including as money transfers and currency, outbound remittances, safe deposit boxes, distribution of general and life insurance products, 3-in-1 trading and demat accounts, and other auxiliary services. From INR 45.83 crore in FY 2021 to INR 49.48 crore in FY 2023, the non-interest income has increased.

The percentage of the bank’s loan book that was secured as of 30 September 2023 and 31 March 2023, respectively, was 99.85% and 99.82%, with 84.26% and 85.16% of the loans being secured by real estate. Additionally, the bank has placed a deliberate emphasis on growing a diverse loan book.

Since FY 2021, loans with a ticket size of up to INR 0.25 crore have increased from 62.88% of the total loan book to 67.80% in FY 2023, reaching 67.44% as of 30 September 2023.