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Capital Small Finance Bank Limited (CSFB) has a notable history rooted in the local banking tradition of Punjab, India. The institution was originally incorporated on May 31, 1999, as Capital Local Area Bank Limited. Operating initially as a Local Area Bank (LAB) primarily within the districts of Jalandhar, Kapurthala, and Hoshiarpur, the bank was founded by Mr. Sarvjit Singh Samra. Its evolution marked a significant moment in the Indian financial sector when, on April 24, 2016, following a license grant from the Reserve Bank of India (RBI), it officially launched as India's first Small Finance Bank (SFB). This transition repositioned the bank from a limited-scope regional player to a specialized, but full-fledged, commercial banking entity.

The bank currently operates as a Public Limited Company and is publicly traded on both the National Stock Exchange (NSE) and the Bombay Stock Exchange (BSE). Its enduring significance in the Indian financial system stems from its pioneer status as the nation's inaugural Small Finance Bank, a new category of banking created to further financial inclusion. As an SFB, Capital Small Finance Bank focuses its strategy on lending to underserved segments, particularly middle-income customers, while offering a diversified portfolio of secured loan products, including agriculture, MSME, and mortgage loans, primarily across the states of Punjab and its neighboring regions.