Capital Trust Limited
CTL was incorporated in August 1985 as a non-deposit taking NBFC. The company is promoted by Yogen Khosla, holding 34% stake as on September 30, 2024. The company’s promoter group also includes MEPL, a company founded by Yogen Khosla. The promoter gr...
Key Metrics
EPS
1.31
Current ratio
2.02
Debt/Equity
1.33
Debt/EBITDA
30.77
Interest coverage ratio
-
Operating Cashflow to total debt
0.20
Financials
Pros & Cons
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Here's what we like about this company and potential risks we have identified.
Pros
Comfortable capital position, though tangible net worth in absolute terms remain low
Improving profitability
Geographically diversified operations
Liquidity: Adequate
Cons
Moderate asset quality
Small scale of operation, despite picking up pace since FY24
Concentrated borrowing profile
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About Capital Trust Limited bond.
This comprehensive profile covers key factual information about Capital Trust Limited. CTL was incorporated in August 1985 as a non-deposit taking NBFC. The company is promoted by Yogen Khosla, holding 34% stake as on September 30, 2024. The company’s promoter group also includes MEPL, a company founded by Yogen Khosla. The promoter group held 65% stake as on September 30, 2024. CTL started the digital lending portfolio in FY19 with one product branded as Capital Business Loan. The company caters to 1,12,530 customers through 336 branches in 10 states in the country. EPS in Mar-2024 was 1.31. Current ratio in Mar-2024 was 2.02. Debt/Equity in Mar-2024 was 1.33. Debt/EBITDA in Mar-2024 was 30.77. Interest coverage ratio in Mar-2024 was . Operating Cashflow to total debt in Mar-2024 was 0.20. Total revenue for Mar-2025(E) was ₹64.44. Net income for Mar-2025(E) stood at ₹-5.08. Total assets as of Mar-2024 were ₹179.37. Operating cash flow for Mar-2024 was ₹20.13. The company’s borrowing relationships include IDFC First Bank Limited (₹N/A Cr), IDFC First Bank Limited (₹N/A Cr), Proposed (₹N/A Cr), UCO Bank (₹N/A Cr). Peers and comparison entities consist of Capital Trust Limited, Bajaj Finance Limited, Jio Financial Services Limited, Cholamandalam Investment and Finance Company Limited. As of Dec 2024, promoters hold N/A% while others hold N/A% of equity. Key strengths include: Comfortable capital position, though tangible net worth in absolute terms remain low ; Improving profitability; Geographically diversified operations ; Liquidity: Adequate. Key risks include: Moderate asset quality; Small scale of operation, despite picking up pace since FY24; Concentrated borrowing profile . Leadership team details include Mr.Yogen Khosla (Chairman & Managing Director), Mr.Vinod Raina (Chief Financial Officer), Mr.Yuv Vir Khosla (Chief Operating Officer), Ms.Tanya Sethi (Company Secretary & Compliance Officer), Mr.Mukesh Aggarwal (Deputy Chief Operating Officer), Mr.Naresh Koul Nazir (Head - Human Resource), Mr.Vahin Khosla (Executive Director), Mr.Govind Saboo (Independent Director), Mr.Pawan Dubey (Independent Director), Ms.Suman Kukrety (Independent Woman Director). This detailed corporate overview is structured to provide a thorough understanding of all available data points, enhance search visibility, and support investor analysis.