About Us

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HISTORY

Incorporated in 1985, Capital Trust Limited is a Non-Banking Finance Company with over 30 years in the financial services industry. Promoted by some of the most prominent bankers of its time, including Mr. K R. Puri (former Governor, RBI), Mr. R.K. Kaul (former Deputy Governor, RBI)  and Justice H. S. Beg (former Chief Justice of India), Capital Trust Limited has a history of having represented over 25 international banks, having had Joint Ventures with Kinetic for two-wheeler financing and Joint Ventures with DBS Bank of Singapore for Stock Broking. In September 2016, Capital Trust acquired a NBFC-MFI which is now operating as a 100% owned subsidiary of the company

In 2008, Capital Trust Limited stopped its prior consultancy services and ventured into the foray of Microfinance. With the change in RBI regulations regarding NBFCs in 2012, Capital Trust started focusing on providing capital to the unbanked individuals in the MSME sector. However, by becoming Yes Bank Limited’s Business Correspondent in 2014, Capital Trust Limited became one of the few companies in the country that could span both, the Microfinance and the MSME Industry. 

MISSION & VALUES

Capital Trust Limited aims to be the go-to financial institution for the unbanked population in the near future. Through its focus on client satisfaction, Capital Trust plans to encourage self-sufficiency and entrepreneurship in the millions of clients that it serves.

 

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BOARD MEMBERS

  • Yogen Khosla
    Yogen Khosla
    Managing Director
  • Anju Khosla
    Anju Khosla
    Executive Director
  • J.P Dua
    J.P Dua
    Independent Director
  • Sachin Bhartiya
    Sachin Bhartiya
    Nominee Director
  • Surendra Mahanti
    Surendra Mahanti
    Independent Director
  • Hari Bhaskaran
    Hari Bhaskaran
    Independent Director
  • Colonel Vijay Kumar Dhawan (Retd.)
    Colonel Vijay Kumar Dhawan (Retd.)
    Independent Director

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LEADERSHIP TEAM

YOGEN KHOSLA

MANAGING DIRECTOR

Yogen Khosla is a finance veteran with over 20 years of experience. He holds a Bachelor’s degree in Commerce and has studied at the Ealing College in London. He has been Capital Trust Limited’s Managing Director and CEO since 2003.

Vahin Khosla

Vahin Khosla

Finance Manager

Having done his schooling from The Doon School, Vahin Khosla graduated as a Roberts Day Scholar from Claremont Mckenna College,California. He was selected into an accelerate program where he received his Bachelor’s degree in Economics-Accounting and his Master’s degree in Finance simultaneously. Prior to working with Capital Trust, he worked at Davita Healthcare Partners in their Corporate Finance team.

Lalit Kumar

Lalit Kumar

Chief Technology Officer

Lalit Kumar joined Capital Trust in 2016 as a core member of team and is constantly helping with required software and technical infrastructure to match the expanding business of Capital Trust. Prior to this role as CTO he was responsible for delivery and sales for HCL’s Middleware Practice. Lalit holds a bachelor degree from IIT Kharagpur and a MBA in Capital Markets from NIFM.

Sukumara Pillai

Sukumara Pillai

Chief Accounts Officer

The longest serving employee of Capital Trust, Sukumara Pillai has been with the company since its inception in 1985. He graduated from Kerala University in 1980 with a degree in commerce and is responsible for the accounts and MIS reporting. He also coordinates with Statutory and Internal Auditor of the Company, submitting statutory reports to the Reserve Bank of India and Income Tax Department.

Vinod Raina

Vinod Raina

Legal and Compliance Head
Vinod Raina is a qualified Company Secretary and Law Graduate with over 15 years of experience in the areas of Legal Compliances & management, litigation, Secretarial Functions, Financial Management, Fund Raising, Statutory Compliances, Treasury, Corporate Governance, taxation, accounts and Liaison Work. Vinod has got variety of experience while working organizations in IT Services, Management Consultancy, Manufacturing and Financial sector.
Karan Singh

Karan Singh

Operations Head

Karan Singh is a political science graduate from Jamiya, Delhi and has been involved in the day-to- day functioning of the company for the last 15 years. As Operations Head, he is the link between the ground level and the Head Office and tries ensuring that not only monthly portfolio targets are met, but also that the quality of the portfolio is of supreme standards.

Ram Kumar

Ram Kumar

Accounts Head

Ram Kumar is a graduate from Delhi University and is a Chartered Accountant. He has his Master’s in Business Finance with 8 years of experience in the field of Finance and Accounts within the NBFCs. Ram was associated with Home Credit Finance Private Limited, Intec Capital Limited & Pioneer Fincap Private Limited prior to his role at Capital Trust.

Lalit Singh

Lalit Singh

Audit Head

Lalit Singh has received a PG Diploma in Rural Management from IERT Allahabad in 1998 and has over 18 years of experience in Internal Audit in the microfinance sector. Prior to working with Capital Trust, Lalit was working with Cashpor Micro Credit where he had roles in operations, accounts and insurance.

Yuv Vir Khosla

Yuv Vir Khosla

Manager, Operations
Yuv Vir Khosla graduated as the Head Boy of The Doon School, Dehradun. He went on to receive a Bachelor of Arts degree from Williams College, a liberal arts college in the USA, with a double major in Economics and History. He has previously interned at 3i Debt Management in New York and Cantor Fitzgerald in Hong Kong. Yuv also holds a private pilot license.
Mukesh Aggarwal

Mukesh Aggarwal

Head - Credit

Mukesh Aggarwal is a Commerce graduate, Chartered Accountant and Company Secretary with more than 12 years of experience in credit with the organizations like Citi, DHFL and HSBC. He has been with us since December 2016 and is looking after the credit portfolio of the Company.

Tanya Sethi

Tanya Sethi

COMPANY SECRETARY
Tanya is a qualified Company Secretary with over 5 years of experience. She has done her graduation in commerce from University of Delhi and has Master’s in Business Program and Corporate Governance from Indira Gandhi National Open University. Her association with Capital Trust Limited includes taking care of Secretarial area, Statutory and Regulatory compliance including that of Reserve Bank of India, Stock Exchange etc. and communication with various stakeholders
Yogen Khosla
Managing Director

Mr. Yogen Khosla is a finance veteran with over 20 years of experience. He holds a Bachelor’s degree in Commerce and has studied at the Ealing College in London. He was a Board member of Kinetic Capital Finance and spearheaded their retail finance operations in North India from 1994-1999. He was also a Board member of DBS Capital Trust Securities India Pvt. Limited from 1996 to 2002. Since 2003, he has been working as the Managing Director of Capital Trust Limited. He introduced the company into the MSME business and has plans to make Capital Trust one of the leading MSME finance companies in India.

Anju Khosla
Executive Director

Mrs.Anju Khosla graduated from Delhi University and has a Masters degree in Business Economics. She joined Capital Trust in 1989 and was initially involved with the Consultancy division. Subsequently, she handled an authorized dealership for Honda two wheelers for 3 years, which was acknowledged as the second best dealership in North India

J.P Dua
Independent Director

Mr. Joginder Pal Dua, served as an Executive Chairman and Managing Director of Allahabad Bank from December 4, 2009 to August 31, 2012. Before that Mr. Dua had also served Executive Director  Allahabad Bank from November 07,  2007 till December 03, 2009. Mr. Dua had earlier served as a General Manager of Oriental Bank of Commerce. He has also served as Chairman of the Board of Board for Industrial & Financial Reconstruction since May 24, 2015 till January 22, 2016. He was also member of BIFR from January 23, 2013 till May 19, 2015.

Mr. Dua has more than 40 years rich experience Baking and Finance and Rehabilitation of sick units.

He is presently also on the board of been Century Plyboards (I) Limited and Skippers Limited.

Sachin Bhartiya
Nominee Director

Mr. Sachin Kumar Bhartiya is a Partner at Lighthouse Funds. Prior to Lighthouse, he held senior positions at Infrastructure Leasing & Financial Services (IL&FS); GE Capital (India); and Industrial Development Bank of India (IDBI), where  he led and managed more than USD 2.0 billion of transactions. Mr. Sachin Kumar Bhartiya is a Director of Bikaji Foods, Dhanuka Agritech, Indian Herbs, and Unibic Foods and also the Co-Founder of Gitanjali Express, a C.A. club. He earned a Bachelor of Commerce from the University of Calcutta and is a Chartered Accountant.

Surendra Mahanti
Independent Director

Mr.Surendra Mahanti is a banking veteran with over 30 years of experience. He headed Puri Grameen Bank in Orissa, a banking institution that was primarily engaged in rural banking, agricultural and animal husbandry loans and microfinance. He has been a member of our board of directors since 2004 and has brought with him rich experience in banking and the SHG(Self Help Group) banking model. He is also currently engaged with a few non-governmental organizations (NGOs) for capacity building.

Hari Bhaskaran
Independent Director

Mr. Hari Bhaskaran is an alumnus of the Indian Institute of Management, Bangalore, and the College of Engineering, Guindy, Chennai. He has had a very fruitful tenure in the corporate world and now is on the Non-Executive Board of Capital Trust Limited. A business leader, mentor and executive coach, Mr. Bhaskaran has a long track record of achievement where he has helped individuals, who now hold responsible positions in several leading companies. Currently, Mr. Bhaskaran is assisting young professionals and entrepreneurs as an executive coach and management consultant by conducting various leadership development programs.

Colonel Vijay Kumar Dhawan (Retd.)
Independent Director

Mr. Vijay Kumar Dhawan is a retired colonel from the Indian army. He has held various important appointments in the Army, including GSO 1 (Ops) of Northern Command and Secretary to Principal Personnel Officers Committee. After an illustrious career in the Army, Col Vijay Dhawan took pre-mature retirement in 2008 and joined the corporate world looking after Training and Development in HCL Infosystems Ltd. The exposure in HCL has given him a deep insight into the functioning of the corporate world. He joined the Board in 2013. He is also a Principal Consultant with Franklin Covey South Asia.