What we do Capital Trust Ltd is a Delhi-based NBFC focused on MSME loans and secured gold loans, operating mostly in rural and semi-urban India with tailored financing solutions. |
Founded in 1,985 |
Market share Established presence in MSME lending with evolving leadership in secured gold loans across semi-urban India. |
Problem solved Provides accessible capital for underserved micro and small entrepreneurs lacking formal banking credit, enabling business growth and financial inclusion. |
Top clients or who we serve Micro and small entrepreneurs, shopkeepers, traders primarily in rural and semi-urban sectors; B2C and B2B partnerships via BC and co-lending. |
Key management Mr. Yogen Khosla, Managing Director, commerce graduate from Loyola College with 40 years' leadership in NBFC sector. |
Our journey and innovations Since 1985, evolved from consultancy for foreign banks to diversified NBFC offering secured gold loans and MSME financing through digital and local branch networks. |
Where we operate Operations across 10 Indian states with 321 branches; focus on Hindi-speaking regions and expanding secured gold loans in northern India. |
Top products or what we offer MSME unsecured loans, secured gold loans launched recently, business correspondent services, co-lending partnerships with banks and NBFCs. |
Top brands Capital Magic Loan, Micro Business Loans, Capital Business Loans, secured gold loan product launched 2025, BC partnerships including Suryoday and Kaleidofin. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue mainly from loan interest, a mix of recurring interest income and cyclical new loan disbursements. |
Our industry position Longstanding NBFC with a clean track record, 0% net NPA, credit rating BB+ (SO), shifting toward secured lending for sustainable growth. |
Financial highlights FY25 income ₹96 Cr, PAT ₹1.10 Cr; raised ₹113.94 Cr debt; capital adequacy 31%; asset base ~₹139 Cr; recent ₹23.8 Cr rights issue. |
Geographical revenue split Strong presence in northern and central Indian states; no explicit geographical revenue split disclosed. |
Order book - |
Whats driving growth Strategic shift to secured gold loans, digital processes, BC and co-lending partnerships, capital infusion enhancing growth capital and risk mitigation. |
Our future plans Scaling secured gold loans, expanding branch network and BC partnerships, raising equity capital, and diversifying product offerings. |
Our green promise - |
Our people and values 1652 employees focused on customer service, financial literacy, and technology-driven, low-cost operations with governance and compliance emphasis. |
Key challenges ahead Managing legacy unsecured loan risks, competitive pressure in gold loans, maintaining asset quality, and regulatory compliance adherence. |
Interesting facts Over 40 years operational experience, zero delayed repayments, and transitioned from consultancy to MSME and gold loan financing. |
Risks and strategy Risks include credit, liquidity, operational ones; mitigated via integrated risk management, provisioning, diversified products and strong governance. |
