Capital Small Finance Bank Limited, has grown its branch network to 200 branches spread across Punjab, Haryana, Rajasthan, Himachal Pradesh, NCR, UT Chandigarh and Jammu & Kashmir, marking a meaningful milestone in its journey of sturdy and relationship-driven growth with contiguous and deep-rooted presence.
The new branches in Jaipur (Rajasthan), Pinjore, Jakhod Khera, Tohana, and Bahadurgarh (Haryana) exemplify the Bank’s guiding philosophy of “combining and carpeting” — to first establish presence, understand local needs, and then go deep to create lasting community impact.
Capital SFB’s expansion strategy is measured and purposeful, focusing on building deeper roots in every market it enters. With its strong phygital model — combining the reach of physical branches with the convenience of digital banking — the Bank continues to empower middle-income group with special emphasis on rural and semi urban areas. Established in 2000 as Capital Local Area Bank and converted in 2016 into India’s first Small Finance Bank, Capital SFB today operates with over 74% of its network in rural and semi-urban areas, underscoring its commitment to inclusive and sustainable growth.
Haryana and Rajasthan are emerging as the next key growth markets for Capital SFB in addition to the growth from the home state of Punjab. The Bank sees strong potential in Haryana’s expanding semi-urban and rural clusters, driven by growing income levels and increasing demand for quality banking services. Similarly, Rajasthan’s diverse economic base — spanning trade, industry, and tourism — offers promising opportunities for retail and MSME financing. The new branches will help Capital SFB serve these evolving markets and diverse customer needs more closely, prudently and efficiently and build deeper community connections.
Building on this momentum, Capital SFB is expanding its footprints across northern India and catering to one of the country’s most dynamic emerging markets.
Mr. Sarvjit Singh Samra, MD & CEO of Capital Small Finance Bank, said:
“Expanding to 200 branches is a meaningful step in our mission of provide superior banking services driven by trust and performance. We grow with a philosophy of first being there, understanding the customer, and then going deep — ensuring every expansion adds value to the community. We plan to add 20–25 new branches during the current financial year and Haryana will be a key focus area as we broaden our reach . Our growth is not about scale alone but about being meaningfully present where we can make a difference.”
Mr. Munish Jain, Executive Director, Capital Small Finance Bank, added: “Our branch expansion reflects a disciplined approach built on understanding local markets and customer behaviour. Each branch is chosen with purpose — to strengthen accessibility, deepen customer relationships and extend our trusted banking services closer to where people live and work. With this network, we are better positioned to deliver meaningful financial inclusion and long-term value for our communities.”