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Who are we?

Capital Trust Ltd

It’s been 30 years since the economic reforms in India…

…and yet, the 48 million MSMEs (micro, small and medium enterprises) who form the heart of Entrepreneurial India are still largely bypassed by traditional banking mechanisms.

These MSMEs represent the ‘missing middle’ segment that is un-catered by financial lenders who either prefer the top of the pyramid or the bottom. These MSMEs are the growth engines of the economy employing over 111.4 million people, contributing 37.5% to the country’s GDP, 45% to the total manufacturing output and 40% to the country’s exports. Not only is the Indian growth story fabricated around the triumphs of millions of MSMEs, but it is these MSMEs who will propel India’s progress and prosperity in the coming years

At Capital Trust, we focus on financing the dreams and aspirations of these entrepreneurial millions…by EMPOWERING ENTERPRISES. ENRICHING LIVES

What We Do?

Financing with a Tech-Touch Balance

Though MSMEs are the pillars of the country’s economy, their access to organized credit is limited. By providing income generating business loans to these uncatered MSMEs, Capital Trust strives to be the PILLAR TO THESE PILLARS.

Our Products

Capital Magic Loan

Business Loan with 100% Digital, Online Repayment. Ticket size of Rs. 30,000 and tenure of 12 months

MicroBusiness Loan

Business Loan with 100% Digital, Online Repayment. Ticket size of Rs. 60,000 and tenure of 24 months

MicroFinance Loan

Joint Liability loan with ticket size between Rs. 20,000 – Rs. 30,000 and tenure of 27.5 months

How We Work?

Merging New-Age Fintech With Traditional Lending

When catering to the rural population in Tier 3,4,5 cities, Capital Trust believes that neither only fintech nor only brick-and-mortar financing is the answer. It has to be the perfect mix of both.

Through its unique amalgamation of the “new” and the “old” Capital Trust is able to provide proprietary fintech with doorstep client servicing. The company relies on big data analysis through machine learning and artificial intelligence but entrusts its 2,000 employees to physically collect cash in times of non-clearance of NACH.

Direct Sourcing

Feet On Street

Physical Cash Flow Verification

Brick and Mortar Approach

Digital on-boarding through QR scan and bureau check

Algorithmic disbursement and credit rule engine

Use of disbursement and credit engine

 Client facing mobile application