Empowering Bharat’s Shopkeepers and Traders
About
Focused on India’s Informal MSME Sector

Capital Trust is a pioneer in providing structured business loans to underserved shopkeepers and traders. The informal MSME sector represents a ₹15 lakh crore credit gap in India, with over 70 million MSMEs lacking access to formal financing. Traditional lenders avoid this market due to high operating costs and limited financial documentation - Capital Trust steps in to bridge this gap with tailored, data-backed credit solutions.

Our Business Focus:
  • Empowering shopkeepers and traders in rural and semi-urban India

  • Offering secured and unsecured loans based on business needs

  • Combining digital underwriting with local market insights

Board of Directors

YOGEN KHOSLA

Promoter, Managing Director and CEO

Yogen Khosla is Managing Director and CEO of the company. He holds a bachelors degree from Loyola College, Chennai. He forayed the company into MSME lending and was instrumental in leading the company to be amongst the top 100 SME's amongst 41832 nominations by India SME 100 Awards. He was recognized by Insights Success magazine as the 10 most admired financial leaders to watch in 2017. He is also an avid ultra sportsman having done a half Ironman and many half and full marathons. He also regularly participates in long distance cycling events.

VAHIN KHOSLA

EXECUTIVE DIRECTOR & PRESIDENT

Mr. Vahin Khosla is the Executive Director of our company. He holds a bachelor's degree in Economics-Accounting and a master's degree in Finance from Claremont McKenna College, CA, USA. He graduated as a Roberts Day Scholar from college and a School Prefect from The Doon School. He has been instrumental in the fundraising arm of the company having raised over 1000Cr in the last few years. Prior to working with Capital Trust, Vahin worked with DaVita Healthcare in the Corporate Finance team in Denver, USA. He has represented his football club at an international level and completed the Ironman triathlon in 2022.

SANJIV SYAL

INDEPENDENT DIRECTOR

Mr. Syal is a practicing Chartered Accountant with an experience spanning over 25 years in consulting and accountancy. He has been a catalyst in startup of many successful projects in the BPO, IT & Financial Services space. Some of the successful startups where he has played a role include Yatra online, RAC, Gulliver Travels, DMI Finance & Cisco Systems Capital.

GOVIND SABOO

INDEPENDENT DIRECTOR

Mr. Saboo is rank holder Chartered accountant with more than 16 years of experience in Finance, Investment, Capital Budgeting and Compliance. He is founding team member of IndiaNivesh Growth & Special Situation Fund, a Venture capital fund investing at early growth stage of companies.

PAWAN DUBEY

INDEPENDENT DIRECTOR

Mr. Dubey is a practicing Advocate and Fellow Company Secretary having 13 years of experience. He has practiced before the Hon’ble Supreme court of India, Hon’ble Delhi High Court, National Company Law Tribunal (NCLT), National Company Law Appellate Tribunal (NCLAT), District Consumer Forums, State Commission, National Commission.

SUMAN KUKRETY

INDEPENDENT DIRECTOR

Mrs. Kukrety is competent professional with 17 years of quality experience in legal consultancy, legal documentation in civil and criminal cases before the Supreme Court of India, High Courts, District Courts, quasi-judicial tribunals, institutional arbitrations before Indian Council of Arbitration (ICA). She has secured 1st position in Advocate-on-Record examination held by the Supreme Court of India, in June, 2009.

Key Management Personnel

VINOD RAINA

CHIEF FINANCIAL OFFICER

Mr. Vinod Raina is the Chief Financial Officer of the company. He has been associated with the Company since 2016. He joined the company as Head of Compliances and later on took the role of CFO in 2019. Vinod is Fellow Member of Institute of Company Secretaries of India and is also a Law Graduate. He has 22 years of experience in Fund Raising, Financial Management, Mergers and Acquisitions, Statutory Compliances, Legal, Treasury Management, Taxation and Listing Compliances. He has been instrumental in managing relationship with Bankers, Investors, Auditors, Statutory authorities like RBI, SEBI, MCA, Income Tax etc. He has successfully created the partnership model for the company. Prior to joining Capital Trust, Vinod has worked in the Manufacturing sector, Software Development , Rating and BFSI sector. Vinod is an avid cricketer and plays the game every weekend.

YUV KHOSLA

CHIEF OPERATING OFFICER

Mr. Yuv Vir Khosla is the Chief Operating Officer of our company. He holds a Bachelor of Arts degree in Economics and History from Williams College, MA, USA. He graduated from The Doon School as the Head Boy. He has experience in the fields of business operations, analytics and risk, and has been with the company since 2017. Prior to working at Capital Trust Limited, Yuv has worked at 3i Debt Management in New York and Cantor Fitzgerald in Hong Kong. Yuv also holds a private pilot license and has completed the Ironman Triathlon.

MUKESH AGGARWAL

DEPUTY CHIEF OPERATING OFFICER

Mr. Mukesh Aggarwal is the Deputy Chief Operating Officer of our Company. He holds a bachelor's degree in Commerce from University of Delhi and is also an associate of the Institute of Chartered Accountants of India ("ICAI") and the Institute of Company Secretaries of India ("ICSI"). He has experience in the field of Risk Management, Underwriting & Finance. He has previously worked at HSBC Bank as AVP - Risk, Dewan Housing Finance Limited as Manager - Credit, CitiFinancial (group company of Citibank) as Associate - Mortgages and Siddharth Petro products as Manager Accounts. He is responsible for various support functions of the company including Credit, Audit, Operations, Information Technology and Service quality. He also plays a key role in managing relationship with Investment Partners.

NARESH KOUL

HUMAN RESOURCES HEAD

Mr. Naresh Koul Nazir is the Human Resources Head of our company. He has done his Post-Graduation in Human Resource from Bhartiya Vidyapeeth (Pune University). Before joining Capital Trust he has had an extensive career of more than 19 years in Human Resource Management. His previous stints were with Equitas Small Finance Bank as Deputy Vice President HR, PNB MetLife as Regional Head HR, Mofoi Management (Ranstard Group) as State Head. He was the first employee of Equitas Small Finance Bank in North India and was instrumental in setting up company's operations in North India.

SUKUMARA PILLAI

ACCOUNT HEAD

The longest serving employee of Capital Trust, Sukumara Pillai has been with the company since its inception in 1985 and has worked for the company for the last 33 years. He graduated from Kerala University in 1980 with a degree in commerce and is responsible for all accounting functions of the company. He also coordinates with Statutory and Internal Auditor of the Company, submitting statutory reports to the Reserve Bank of India and Income Tax Department.

RAJENDRA KUMAR

CREDIT HEAD

Mr. Rajendra Kumar Thotakura has 29 years of experience in the banking and retail finance sector. Prior to joining capital trust ltd he was working as Senior regional credit manager with Veritas finance. He has also been associated with prominent financial institutions, including Kotak Mahindra Bank, HDB,HSBC, ICICI Bank, and HDFC Bank.

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