Economic Empowerment through Enterprise

About

Capital Trust is a Non Banking Finance Company (non-deposit taking) listed on the Bombay Stock Exchange. The company has over 25 years operating history, promoted by an ex-bankers, which included the then recently retired Governor RBI, Mr K.R. Puri. Other promoters also included the then retired Chief Justice of India.

Enterprise Loans

Capital Trust provides micro and small enterprise loans to those who are not financially included in the banking sector. Maximum loan size is Rs. 5 Lacs. The company operates in a niche market between the Microfinance Sector and larger NBFC's. The company predominately operates in the rural and semi-urban areas in the adjoining states of Delhi, Uttar Pradesh, Uttrakand and Punjab. Borrowers use the money to undertake income generating business activities like agriculture, livestock, handicrafts, trading, shops, manufacturing etc. The company delivers it product through its 92 branches in contiguous districts. Company's strength lies in taking advantage of its local knowledge of the areas closer to Delhi. Larger loans are secured by a collateral.

The company has also recently started operating as a Business Correspondent to Yes Bank Limited. This arrangement has been facilitated by the new RBI guidelines allowing NBFC's to act as Business Correspondent to Banks.