Capital Trust Ltd. (india) · NSE:CAPTRUST
Capital Trust Ltd. (india) — Capital Trust — Q3 FY2026 Earnings Presentation
29 slides from Capital Trust Ltd. (india)'s earnings presentation, Feb 16, 2026
Slide 1: Q3FY26 Investor Presentation
Q3FY26 Investor Presentation
Slide 2: Disclaimer
Disclaimer Certain statements in this document that are not historical facts are forward looking statements. Such forward- looking statements are subject to certain risks and uncertainties like government actions, local, political or economic developments, technological risks, and many other factors
Slide 3: Company Overview
COMPANY OVERVIEW
Slide 4: About Capital Trust Limited
About Capital Trust Limited Company Snapshot Operating History Capital Trust Limited (CTL) is a distinguished publicly listed financial institution 40 Years with four decades of proven expertise in serving India’s diverse financial landscape. Having disbursed over ₹4,500 crore to more than 12 lakh c
Slide 5: Numbers at a Glance
Numbers at a Glance ASSETS UNDER MANAGEMENT CAPITAL ADEQUACY ₹ 104 Cr ₹ 31 % QUARTERLY DISBURSEMENT Own Book 90+ ₹ 20 Cr ₹ 5.2 Cr ON-BOOK PORTFOLIO Net NPA ₹ 35Cr ₹ 0 Cr OFF-BOOK PORTFOLIO Q3FY26 PROFIT BEFORE TAX (And Exceptional Item) ₹ 69 Cr - ₹ 1.4 Cr • The AUM contraction reflects our deliberat
Slide 6: Momentum & Strategic Progress
MOMENTUM & STRATEGIC PROGRESS
Slide 7: Q3FY26 Executive Snapshot
Q3FY26 Executive Snapshot Strategic transformation to strengthen its balance sheet, de-risk the business model, and build a clean and sustainable foundation for long-term, high-quality growth • ₹23.8 Cr Rights Issue completed in Q3FY26 • 1.33x oversubscribed Capital Strengthened • Capital Adequacy n
Slide 8: Rights Issue & Capital Architecture
1. Rights Issue & Capital Architecture Balance Sheet Impact • Strengthened Capital Base Overview • Capital Adequacy rising to 31% • ₹23.8 Cr successfully raised in Q3FY26 • Debt to equity reducing to 0.4x providing substantial room for incremental borrowings • Oversubscription of 1.33 times Leading
Slide 9: Secured Gold Lending: Launch & Validation
2. Secured Gold Lending: Launch & Validation • Launch of Secured Gold Loan product from 2 branches in October 2025 • ₹ 5.0 Cr portfolio built within first four months of starting product • 3rd branch opened in January 2026 • ₹ 25Cr Co-Lending agreement signed with NBFC in January 2026 5.0 3.5 2.7 2.
Slide 10: Scaling of Strategic BC Partnerships for MSME Portfolio
3. Scaling of Strategic BC Partnerships for MSME Portfolio • Sourcing & Servicing Partner • Financing Partner • Leveraging existing branch network • Leveraging access to capital • No credit cost • Assuming entire credit cost • Risk Free earning • Potential long-term synergies for other products • Po
Slide 11: Operating Model Evolution
OPERATING MODEL EVOLUTION : Pye : ys y, ) : is Capital Trust
Slide 12: Strategic Shift
Strategic Shift Exclusively unsecured MSME Secured gold loans with mark- loans on balance sheet to-market collateral Higher credit risk exposure Risk mitigation through BC to CTL partnerships with nil-to-FLDG vs New Strategic Previous Strategy Direction Complex audit trails and Capital-light MSME th
Slide 13: Dual Business Model Overview
Dual Business Model Overview Gold Loans MSME Loans Strategic expansion into the high-growth gold loan Supporting Bharat’s Shopkeepers & Traders with segment, leveraging CTL's existing capabilities and accessible financing solutions for business growth and market presence sustainability • Tapping int
Slide 14: Well Positioned For Incremental Lender Support
Well Positioned For Incremental Lender Support 01 Blemish Less 40-Year-Old 03 Low Leverage & Ample Track Record Borrowing Headroom • CTL has borrowed and repaid over ₹4000 • Net Worth: ₹80 crore Crores from Banks / NBFCs in the past four • Borrowings ~₹40 crore decades without any delay ever • Lever
Slide 15: Secured Gold Loans
_» SECURED GOLD ~~ = ers 2 ~ CapitalTrust —_ \ ~ ~~ mS ™~ = Y
Slide 16: Product Diversification
Product Diversification GOLD LOANS Branch-led, regulation-first gold loans with 20-minute disbursal and 20-minute release - built to the June 2025 RBI Directions and priced to win small-ticket customers. ₹ 16
Slide 17: Secured Gold Loans: Why Now
Secured Gold Loans Why Now: Market Tailwinds Regulatory alignment and distribution moat create compelling opportunity with optimal market timing FORMALISATION: LIMITED ACCESS TO MFI / Out of India’s gold-loan market, UNSECURED LOANS: estimated at ~₹40 lakh crore (USD With tightening credit and acces
Slide 18: CTL's Edge In Secured Gold Loans
CTL’S Edge In Secured Gold Loans Delivering industry-leading speed with 20-minute disbursal promise - from assay to credit - making gold loans accessible for mass-market customers across India. Regulatory Readiness: Aligned with RBI Gold Loan Directions (June 2025) from inception 01 02 New-Age Chall
Slide 19: Product Features & Typical Clientele
Product Features & Typical Clientele Product Features & Typical Clientele Modest and practical ticket Short, high-velocity tenors Over 90% of loans fund Fully documented, RBI-aligned sizes, with most loans below that allow rapid capital livelihood activities—working processes with transparent ₹5 lak
Slide 20: CTL's Go-to-Market Strategy
CTL’S Go-to-Market Strategy CLUSTER TARGET HIRING RISK & EXPANSION SEGMENT MODEL MONITORING Locations selected near Small-ticket (majority ≤ BMs ≥5 yrs, ROs ≥3 yrs Dual valuation, live established gold loan ₹5 lakh) higher-yield gold-loan experience; monitoring, automated clusters to ensure loans; f
Slide 21: Shopkeeper & Trader MSME Portfolio
SHOPKEEPER & TRADER MSME PORTFOLIO
Slide 22: Current Shopkeeper & Trader MSME Business
Current Shopkeeper & Trader MSME Business Empowering Bharat’s Shopkeepers & Traders Using A Hybrid-Dual Credit Model • ₹ 100 Cr Informal MSME Lending through 250+ Branches in 10 States • Empowering Bharat’s Shopkeepers & Traders • Priority Sector Lending • Combining the strengths of doorstep banking
Slide 23: Current Shopkeeper & Trader MSME Business: Product Offering
Current Shopkeeper & Trader MSME Business Product Offering & Typical Clientele Financing The Overlooked Shopkeeper Target Clientele Type of Loan Income-generating business loan Overlooked by formal financial institutions, the Shopkeepers company aims to support rural and semi-urban Ticket Size (₹) 5
Slide 24: Doorstep-Fintech Processes
Current Shopkeeper & Trader MSME Business Doorstep-Fintech Processes 1. LEAD GENERATION Generate lead by door to door canvasing Geotagging of business and residential premise Mobile number verification through OTP Handholding of client through digital onboarding 2. CREDIT UNDERWRITING QR Code scan o
Slide 25: Financials
FINANCIALS
Slide 26: Key Highlights & Ratios
Key Highlights & Ratios (₹ in Crores) Particulars Q3 FY26 Q3 FY25 YoY % Q2 FY26 QoQ % Total Income 11.3 25.2 -55% 8.8 28% Total Expense (excluding tax) 13.6 25.0 -45% 31.9 -57% Profit / Loss Before Tax -2.3 0.2 - -23.1 -90% Profit / Loss After Tax -2.4 0.1 - -17.9 -86% Net Worth 79.6 85.9 -7% 59.7 3
Slide 27: Balance Sheet
Balance Sheet (₹ in Crores) Assets Q3 FY26 Q2 FY26 Q1 FY26 Liabilities And Equity Q3 FY26 Q2 FY26 Q1 FY26 Financial Assets Financial Liabilities Trade Payables 0.4 0.4 0.4 Cash and Cash Equivalents 4.1 8.9 10.0 Debt Securities 1.2 4.7 9.7 Bank Balances other than Cash & Borrowings other than Debt Se
Slide 28: Funding & Partnerships
Funding & Partnerships Equity: 1 Co-Lending Live: 2 Business Correspondent: 2 On-Balance Sheet Funders: 13 28
Slide 29: Thank You
Thank You Vinod Raina Chief Financial Officer Vinod.raina@capitaltrust.in Vahin Khosla Joint-Managing Director Vahin.khosla@capitaltrust.in 29