CAPTRUST
Capital Trust financials
- Market cap
- ₹62 Cr
- Sector
- Financial Services
What Capital Trust Limited does
Capital Trust Limited is an RBI-registered Base Layer NBFC incorporated in 1985 and headquartered in New Delhi, listed on both NSE and BSE. It built its original franchise in unsecured MSME lending to small shopkeepers, traders and micro-entrepreneurs in semi-urban and rural India, disbursing over ₹4,500 crore to 12 lakh+ clients through doorstep, branch-led servicing. Starting FY26, the company shifted incremental own-book lending into secured gold loans (launched October 2025) while routing MSME loan origination through Business Correspondent (BC) and co-lending partnerships instead of holding the credit risk on its own balance sheet.
Segments
- Gold Loans
- MSME Loans
- Branch network
- 250+ branches across 10 states
- Gold loan branches
- 5 (Delhi NCR / UP), launched Oct 2025
- Cumulative clients served (since 1985)
- 12 lakh+
- Cumulative loans disbursed (since 1985)
- ₹4,500 Cr+
- Assets Under Management (AUM)
- ₹158 Cr (Q4 FY26)
- Live customers
- ~1 lakh
Quarterly results
Q1 FY27: revenue down 2.7%, net profit up 102.4% 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 | 25 | 25 | 21 | 12 | 9 −65% | 11 −55% | 9 −54% | 12 −3% |
| Net profit | 0 | 0 | 0 | -8 | -18 −7874% | -2 −4150% | -18 −20311% | 0 +102% |
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 −58.0% 1Y
1Y: ₹43.18 on 10 Sept 2025 → ₹18.12. High ₹44.94 (15 Sept 2025), low ₹11 (30 Mar 2026).
Financials, as filed
Revenue fell 22.6% a year over 4 years, FY21 to FY26.
| Year ending | FY21 | FY22 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | ₹116 Cr | ₹105 Cr | ₹78 Cr | ₹95 Cr | ₹42 Cr |
| Interest | ₹33 Cr | ₹32 Cr | ₹10 Cr | ₹19 Cr | ₹12 Cr |
| Depreciation | ₹1 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Net profit | ₹-24 Cr | ₹-10 Cr | ₹2 Cr | ₹1 Cr | ₹-47 Cr |
| Net margin | -20.4% | -9.8% | 2.8% | 1.2% | -112.7% |
| Cash from operations | ₹8 Cr | ₹16 Cr | — | — | — |
| Free cash flow | ₹8 Cr | ₹16 Cr | — | — | — |
| ROE | -17.0% | -9.0% | 3.0% | 1.0% | -64.0% |
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 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 |
|---|---|---|---|---|---|---|
| Equity capital | ₹16 Cr | ₹16 Cr | ₹16 Cr | ₹16 Cr | ₹16 Cr | ₹16 Cr |
| Reserves | ₹203 Cr | ₹206 Cr | ₹138 Cr | ₹138 Cr | ₹114 Cr | ₹108 Cr |
| Borrowings | ₹309 Cr | ₹533 Cr | ₹483 Cr | ₹285 Cr | ₹279 Cr | — |
| Other liabilities | ₹32 Cr | ₹46 Cr | ₹19 Cr | ₹19 Cr | ₹18 Cr | ₹26 Cr |
| Total liabilities | ₹561 Cr | ₹802 Cr | ₹656 Cr | ₹458 Cr | ₹427 Cr | ₹280 Cr |
| Fixed assets | ₹1 Cr | ₹2 Cr | ₹4 Cr | ₹4 Cr | ₹2 Cr | ₹2 Cr |
| Capital work in progress | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Investments | ₹19 Cr | ₹50 Cr | ₹50 Cr | ₹88 Cr | ₹91 Cr | ₹0 Cr |
| Other assets | ₹540 Cr | ₹750 Cr | ₹602 Cr | ₹366 Cr | ₹334 Cr | ₹278 Cr |
| Total assets | ₹561 Cr | ₹802 Cr | ₹656 Cr | ₹458 Cr | ₹427 Cr | ₹280 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, the public added +8.76 pp while FIIs trimmed −8.36 pp. The shareholder count grew 10% to 12,973.
- Promoters
- 54.1%
- FIIs
- 8.3%
- Public
- 37.1%
- Others
- 0.4%
Since Jun 2025
- Public +8.76 pp
- FIIs −8.36 pp
- Others −0.43 pp
How it drifted, 12 quarters
Over this window the public went from 14.9% to 37.1% — +22.2 pp.
Ownership split by quarter, oldest first. Sep '23: Promoters 67.0%, FIIs 17.3%, Public 14.9%, Others 0.9%.Dec '23: Promoters 67.0%, FIIs 17.3%, Public 14.9%, Others 0.9%.Mar '24: Promoters 67.0%, FIIs 17.3%, Public 14.9%, Others 0.9%.Jun '24: Promoters 67.0%, FIIs 17.3%, Public 14.9%, Others 0.9%.Sep '24: Promoters 64.9%, FIIs 16.6%, Public 17.7%, Others 0.8%.Dec '24: Promoters 64.9%, FIIs 16.6%, Public 17.7%, Others 0.8%.Mar '25: Promoters 64.7%, FIIs 16.6%, Public 17.9%, Others 0.8%.Jun '25: Promoters 54.1%, FIIs 16.7%, Public 28.4%, Others 0.8%.Sep '25: Promoters 54.1%, FIIs 16.6%, Public 28.4%, Others 0.8%.Dec '25: Promoters 54.1%, FIIs 8.3%, Public 37.1%, Others 0.4%.Mar '26: Promoters 54.1%, FIIs 8.3%, Public 37.1%, Others 0.4%.Jun '26: Promoters 54.1%, FIIs 8.3%, Public 37.1%, Others 0.4%.
Who is on the register
Named in the Jun 2026 filing
Every holder of Capital Trust Limited above SEBI's 1% disclosure line, and what changed since Mar 2026.
| Holder | Stake | Change |
|---|---|---|
| Yogen Khosla | 36.96% | unchanged |
| Moonlight Equity Private Limited | 17.17% | unchanged |
| India 2020 Ii Investors,Limited VC / PE | 7.12% | unchanged |
| Prodigee Finance Limited | 2.81% | unchanged |
| Kailashben Ashokkumar Patel | 2.79% | unchanged |
| Lighthouse Emerging India Investors,Limited VC / PE | 1.19% | unchanged |
| Mable Rajesh | 1.18% | 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 Trust Limited
Guides on how to read this kind of business and the numbers that matter.