Capital Trust submits 40th Annual Report for FY 2025-26
CAPTRUST · price
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Capital Trust Limited filed its 40th Annual Report for FY 2025-26. Key highlights: strategic shift from unsecured MSME lending to secured gold loans, with six branches operationalized. The gold loan product, launched in October 2025, targets small business owners and households. FY saw increased stress in unsecured and microfinance portfolios, with collection efficiency declining 300 to 600 basis points. Company adopted partnership-led Business Correspondent and Lending-as-a-Service models with tie-ups with NBFCs and Small Finance Banks. Raised about Rs 240 million through a Rights issue in 2025.
Strategic pivot to secured gold loans and partnership-led model signals lower-risk future, though near-term earnings face pressure from legacy portfolio stress.