Capital Trust Announces Q2 & H1 FY22 Financial Results.


Capital Trust Limited (Capital Trust), a digitally enabled non-banking finance company (NBFC), specialising in providing income generating micro business loans in tier 3-5 regions, announced its financial results for the quarter ended 30th Sep 2021.

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Particulars (In INR Millions)Sep-21Sep-20YoY%June-21QoQ%
Assets Under Management (AUM)3108.14294.7-28%3,374.4-8%
Total Disbursement455.1215.3111%110.8311%
Net Interest Income127.9107.219%101.127%
Profit After Tax8.78.70%-138
Gross Stage 3 Assets (% of AUM)3.8%7.1%-47%3.8%-1%
Net Stage 3 Assets (% of AUM)0.0%0.0%0.0%
90+ Assets (% of AUM)12.6%7.7%64%15.3%-18%
Net 90% Assets (% of AUM)0.0%2.5%0.0%
Capital Adequacy*42.6%49.8%-14%45.2%-6%

Commenting on the performance, Mr. Yogen Khosla, Managing Director, Capital Trust Limited, said, “Disbursements for the quarter grew by 311% QoQ on account of improved consumer sentiments and picking up demand across sectors. Our technology-based POS has significantly helped us in penetrating Tier III/IV cities seamlessly. The Collections picked up significantly from 81% in June to 88% in September and 89% in October, it is further expected to improve during H2FY22. The Company being inherently cautious, decided to slow down the disbursements during last year on account of Covid related lockdowns, which has helped us in keeping our asset quality intact. At the same time company has also created adequate provisions to mitigate any further impact on our loan book. We believe worst is behind us on asset quality front and new trajectory of growth is being undertaken by the company. This is further demonstrated by our continuous focus on customer penetration through branch network. is powered by Atharva Marcom Public Relations – India’s smartest public relations

Despite the disruptions caused by COVID-19, Capital Trust has significantly expanded its branch network by opening 71 new branches during the quarter. With this, the total branch network reaches 315 branches spread across 94 Districts covering 10 states. This will help the company in further expanding our customer base, deeper penetration, and access to new markets.

The company’s robust liquidity position, healthy balance sheet, strong leadership combined with the focus on strengthening its rural-doorstep fintech model will certainly fuel its growth going forward.”

*Including investment in wholly owned subsidiaries

Consolidated Financial Highlights

  • Average collection efficiency for Q2 FY22 was 88% for the company and 96% for digital loans sourced post-first lockdown
  • Net worth as on 30th Sept 21 was at INR 1178.0 million
  • Finance cost during Q2 FY22 was INR 155.5 million which were increased by INR 74.9 million as compared to Q1 FY22.
  • Total Provisions outstanding for the year was INR 570.9 million; ECL provision was 161.1 INR million and COVID related provision was INR 409.8 million
  • Strong liquidity position with INR 1152.2 million in cash/bank balance, liquid investments, and fixed deposit
  • Total operational branches as on Sept 30, 2021 stood at 315 covering 94 districts across 10 states
  • Business Correspondent Partnership ties ups with IDFC First Bank, MAS Financials, Dhanvarsha Finvest and OML P2P.

Portfolio Distribution

Particulars (In INR Millions)Q2 FY22Q2 FY21YoY%Q1 FY22QoQ%
Digitally Enabled Collection Products
     –  Capital Magic Loan808.9532.652%674.920%
     –  Micro-Business Loan653.5909.9-28%759.1-14%
Total Capital Digital Initiative1,462.41,442.51%1,4342%
Cash Collections Products
     –  Micro-Enterprise Loan1,599.32,450.5-35%1,849.3-14%
     –  Secured-Enterprise Loan18.5203.2-91%43.8-59%
     –  Microfinance Loan28.0198.5-86%47.3-40%
Total Legacy Portfolio1,645.82,852.2-42%1,940.4-15%
Total Assets Under Management (AUM)3,108.14,294.7-28%3,374.4-8%

On-Book Portfolio2,549.43,173.0-20%2,543.90%
Off-Book Portfolio558.71,121.7-50%830.5-33%
Total Assets Under Management (AUM)3,108.14,294.7-28%3,374.4-8%

About Capital Trust Limited

Capital Trust Limited (BSE: 511505) (NSE: CAPTRUST), an RBI registered non-banking finance company (NBFC), offers income generating micro loans to MSMEs. Merging best practices of fintech and traditional financing, the company focuses on financial inclusion of the underserved in deep interiors of rural India using digital processes and state of the art technology. As on September 30, 2021, Capital Trust caters to over 1,09,000 customers across 94 districts through 315 branches in 10 states in North and East India. The company prides itself to be India`s first “Rural Doorstep-Fintech” company. For more information visit

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