Capital Trust Limited has informed the Exchange about General Updates about the corporate presentation for the Q4 of the FY 2025-26
CAPTRUST · price
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Capital Trust Limited (CTL), a 40-year-old NBFC, has completed its strategic shift from unsecured MSME lending to secured gold loans and partner-led MSME lending. Q4 FY26 shows strong operational momentum with AUM at ₹158 Cr (up 52% QoQ), quarterly disbursements of ₹90 Cr (up 357% QoQ), and the first profitable quarter since the reset began with PBT of ₹0.13 Cr. The company has significantly de-risked its portfolio with 56% of AUM now in secured or zero-credit risk assets. Gross NPA improved dramatically from 8.3% to 2.8% while Net NPA remained at 0%. The company completed a ₹23.8 Cr rights issue and reduced external borrowings by 29% QoQ to ₹24 Cr, entering FY27 with a cleaner balance sheet and 35% capital adequacy.
The strategic repositioning appears validated with Q4 profitability restored and strong disbursement momentum in the new secured/partnership model. However, the absolute profit level remains minimal (₹0.13 Cr PBT), and the AUM has shrunk to ₹158 Cr from ₹191 Cr year-ago, indicating the company is in early-stage rebuild mode. Investors should monitor whether the improved asset quality and disbursement velocity can translate into meaningful earnings as the portfolio scales.