538476
Capital Trade Lk financials
- Market cap
- ₹382 Cr
- Sector
- Financial Services
What Capital Trade Lk does
Capital Trade Links Limited (CTL) is a Non-Banking Financial Company licensed by the Reserve Bank of India that lends to individuals, sole proprietorships, partnerships and corporates for personal and commercial purposes. Unlike banks, it raises funds through market-based financial channels and evaluates credit using internally developed underwriting standards. Since 2001 it has focused on underserved segments such as low-income groups, emerging entrepreneurs and corporate borrowers, delivering loans through a technology-driven lending platform.
Segments
- Personal Loans
- Business Loans
- Auto Loans
- Corporate Bridge Loans
- E-Vehicle Loans
- States of operation
- 4 Indian states
- Core loan product lines
- 5 (Personal, Business, Auto, Corporate Bridge, E-Vehicle Loans)
- Personal Loan tenure
- Up to 60 months
- Business Loan tenure
- Up to 48 months
- Auto Loan tenure
- Up to 36 months
- Corporate Bridge Loan tenure
- Up to 1 year
Quarterly results
Q1 FY27: revenue up 7.6%, net profit up 13.3% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 6 | 6 | 7 | 6 | 5 −4% | 6 −12% | 13 +97% | 7 +8% |
| EBITDA | 3 | 4 | 4 | 5 | 4 +26% | — | — | — |
| Net profit | 0 | 2 | 1 | 2 | 2 +1808% | 1 −54% | -4 −418% | 3 +13% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Performance +68.1% 1Y
1Y: ₹17.42 on 10 Sept 2025 → ₹29.28. High ₹32 (28 Nov 2025), low ₹14.69 (30 Mar 2026).
Financials, as filed
Revenue grew 22.1% a year over 3 years, FY23 to FY26.
| Year ending | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| Revenue | ₹17 Cr | ₹36 Cr | ₹25 Cr | ₹31 Cr |
| Operating profit | ₹9 Cr | ₹20 Cr | ₹16 Cr | — |
| Operating margin | 50.6% | 55.9% | 61.5% | — |
| Interest | ₹5 Cr | ₹15 Cr | ₹11 Cr | ₹11 Cr |
| Depreciation | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹1 Cr |
| Net profit | ₹3 Cr | ₹10 Cr | ₹6 Cr | ₹2 Cr |
| Net margin | 14.9% | 27.0% | 25.1% | 5.1% |
| Cash from operations | ₹-95 Cr | ₹-60 Cr | ₹18 Cr | ₹-5 Cr |
| Free cash flow | ₹-95 Cr | ₹-60 Cr | ₹19 Cr | ₹-5 Cr |
| ROE | — | — | 3.2% | 2.6% |
How to read this
From the company's own filings. Margins are computed from the filed sums; a year with an incomplete quarter is left blank rather than estimated.
Balance sheet
| Year ending | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| Equity capital | ₹5 Cr | ₹6 Cr | ₹6 Cr | ₹6 Cr | ₹13 Cr | ₹13 Cr |
| Reserves | ₹18 Cr | ₹26 Cr | ₹32 Cr | ₹49 Cr | ₹62 Cr | ₹60 Cr |
| Borrowings | ₹16 Cr | ₹16 Cr | ₹115 Cr | ₹165 Cr | ₹137 Cr | ₹130 Cr |
| Other liabilities | ₹2 Cr | ₹1 Cr | ₹6 Cr | ₹9 Cr | ₹14 Cr | ₹11 Cr |
| Total liabilities | ₹42 Cr | ₹49 Cr | ₹160 Cr | ₹229 Cr | ₹226 Cr | ₹215 Cr |
| Fixed assets | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹4 Cr | ₹4 Cr | ₹3 Cr |
| Capital work in progress | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Investments | ₹0 Cr | ₹2 Cr | ₹3 Cr | ₹9 Cr | ₹24 Cr | ₹24 Cr |
| Other assets | ₹42 Cr | ₹47 Cr | ₹156 Cr | ₹216 Cr | ₹198 Cr | ₹187 Cr |
| Total assets | ₹42 Cr | ₹49 Cr | ₹160 Cr | ₹229 Cr | ₹226 Cr | ₹215 Cr |
How to read this
As filed each year. A line the company does not report — deposits for a non-lender, for instance — is left out rather than shown as a row of dashes.
Who owns it
As disclosed at Jun 2026
Since Jun 2025, promoters added +0.57 pp while the public trimmed −0.56 pp. The shareholder count shrank 6% to 6,514.
- Promoters
- 39.9%
- Public
- 60.2%
Since Jun 2025
- Promoters +0.57 pp
- Public −0.56 pp
- FIIs 0.00 pp
How it drifted, 12 quarters
Ownership split by quarter, oldest first. Sep '23: Promoters 40.3%, Public 59.7%.Dec '23: Promoters 40.3%, Public 59.7%.Mar '24: Promoters 40.3%, Public 59.7%.Jun '24: Promoters 40.4%, Public 59.6%.Sep '24: Promoters 38.3%, Public 61.8%.Dec '24: Promoters 38.3%, FIIs 0.2%, Public 61.6%.Mar '25: Promoters 38.9%, FIIs 0.2%, Public 61.0%.Jun '25: Promoters 39.3%, Public 60.7%.Sep '25: Promoters 39.7%, Public 60.3%.Dec '25: Promoters 39.8%, Public 60.3%.Mar '26: Promoters 39.9%, Public 60.2%.Jun '26: Promoters 39.9%, Public 60.2%.
Who is on the register
Named in the Jun 2026 filing
Every holder of Capital Trade Lk above SEBI's 1% disclosure line, and what changed since Mar 2026.
| Holder | Stake | Change |
|---|---|---|
| Krishan Kumar & Sons Huf | 25.94% | unchanged |
| Krishan Kumar Nagpal | 6.26% | unchanged |
| Bimla Rani | 2.89% | unchanged |
| Hemlata | 2.80% | unchanged |
| Raj Kumar | 2.08% | unchanged |
| Vinay Kumar Chawla | 2.02% | unchanged |
| Masatya Technologies Private Limited | 1.75% | unchanged |
| Archana Chawla | 1.72% | unchanged |
| Investor Education And Protection Fund Authority Ministry Of Corporate Affairs | 1.57% | unchanged |
| Suresh Kumar Munjal | 1.47% | unchanged |
| Sunita Malhotra | 1.38% | unchanged |
| Vinay Kumar Chawla Huf | 1.20% | unchanged |
A holder disappearing from this list has fallen below the 1% line — it is not necessarily a sale. Percentages are of total shares, as disclosed in the company's own filing. Who was buying across the market this quarter.
Learn to analyse Capital Trade Lk
Guides on how to read this kind of business and the numbers that matter.