Capital Trust Limited
Incorporated in 1985, Capital TrustLtd provides loans to Small and MicroEnterprises
What Capital files
- Others17
- Updates12
- Important11
- Board Meeting8
- Insider Trade6
- Results4
Capital Trust's AUM surged 52% QoQ to ₹240 Cr, driven by scaling gold loans and partner-led MSME. Its risk profile improved, with 72% secured/zero-risk AUM, GNPA at 2.7%, and NNPA 0%. The company reported its second consecutive profitable quarter with PAT of ₹0.20 Cr.
Capital Trust pivoted to secured gold loans and partner-led MSME lending. Q4FY26 saw AUM rise 52% to ₹158 Cr and disbursements hit ₹90 Cr. PBT turned positive at ₹0.13 Cr, and Gross NPA fell to 2.8%, indicating a clean balance sheet and restored profitability.
Capital Trust reported Q4FY26 operational profitability (PBT ₹0.13 Cr), completing its shift to secured and partnership-led lending. Disbursements surged to ₹89.4 Cr (4.5x Q3FY26), Gross NPA fell to 2.8%, and leverage is now below 1x with strong capital adequacy.
Capital Trust Limited (CTL) strategically enters the gold loan market, leveraging a modern, tech-driven, RBI-compliant approach. This aims to build a safer, more resilient lending model, strengthen its balance sheet, and improve asset quality. CTL plans to expand its 4 branches across Delhi NCR and beyond, utilizing co-lending partnerships.
Capital Trust raised ₹23.8 Cr via rights issue, boosting capital to 31% with Net NPA at ₹0. It launched Gold Loans (₹5 Cr AUM, ₹25 Cr co-lending) and scaled MSME BC partnerships. Q3FY26 reported a PBT of -₹2.3 Cr amid this strategic shift to secured growth.