About Us

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HISTORY

Incorporated in 1985, Capital Trust Limited is a Non-Banking Finance Company with over 35 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
    Director
  • Suman Kukrety
    Suman Kukrety
    Independent Director
  • Sanjiv Syal
    Sanjiv Syal
    Independent Director
  • Colonel Vijay Kumar Dhawan (Retd.)
    Colonel Vijay Kumar Dhawan (Retd.)
    Independent Director
  • Nikhel Kochhar
    Nikhel Kochhar
    Independent Director
  • Abhinav Sharma
    Abhinav Sharma
    Independent Director

LEADERSHIP TEAM

  • Colonel Navin Sharma (Retd)
    Colonel Navin Sharma (Retd)
    Chief Operating Officer
  • Mr. Pallav Majumdar
    Mr. Pallav Majumdar
    Training and Audit Head
  • Commander Manish Kundu (Retd)
    Commander Manish Kundu (Retd)
    Service Quality Head
  • Mr. Vinod Raina
    Mr. Vinod Raina
    CFO and Head-Compliances
  • Mr. Gaurav Gaba
    Mr. Gaurav Gaba
    Legal Head
  • Ms. Tanya Sethi
    Ms. Tanya Sethi
    Company Secretary
  • Mr. Mukesh Aggarwal
    Mr. Mukesh Aggarwal
    Deputy Chief Operating Officer
  • Mr. Sukumara Pillai
    Mr. Sukumara Pillai
    Chief Accounts Officer
  • Mr. Vahin Khosla
    Mr. Vahin Khosla
    Senior Vice President – Finance
  • Mr. Mihir Chakraborty
    Mr. Mihir Chakraborty
    Business Head
  • Mr. Karan Singh
    Mr. Karan Singh
    Recovery Head
  • Mr. Yuv Vir Khosla
    Mr. Yuv Vir Khosla
    Assistant Vice President – Business
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Awards & Accolades

Article in Insight Success - Oct 2017

Article in Dalal Street - Sep-Oct 2017

Article in Businesswise - May 2017

Top 10 Most Admired Financial Leaders 2017 - Insight Success

India SME Certificate & Award

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 from Loyala College, Chennai and has studied at the Ealing College in London. He is a member of the Institute of Financial Accountants in the UK and was a Board member of Kinetic Capital Finance and DBS Capital Trust Securities India Pvt. Limited. Since 2003, he has been working as the Managing Director of Capital Trust Limited. He introduced the company into retail lending of micro loans in the MSME business. He has led the company to being adjudged as one of the top 100 Small and Medium Enterprises in India by India SME Forum.

Anju Khosla
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

Suman Kukrety
Independent Director

Ms. Suman Kukrety is a 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 arbitration before Indian Council of Arbitration (ICA), International Centre for Alternate Dispute Resolution (ICADR).

She has secured 1st position in Advocate-on-Record examination held by the Supreme Court of India.

Sanjiv Syal
Independent Director

Mr. Syal is a practicing Chartered Accountant with an experience spanning over 25 years in consulting and accountancy. Prior to setting up his accountancy practice in 2001, he set up and managed a leasing finance Company ABL Leasing for 9 years. He is also founder & NonExecutive Director in a software development company focussed on eLearning solutions Compro Technologies. He has been a catalyst in start up 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.

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.

 

Nikhel Kochhar
Independent Director

Mr. Nikhel Kochhar is a Practicing Chartered Accountant and at present in CEO – India Internal Auditors Association. He is also Member of the Indian Public Schools Society (IPSS) and Member Selection Committee for appointment of Board Members.

His area of interest is Internal Controls & Audit, Risk Management, Corporate Governance, Organizational Systems & Processes and Corporate & Institutional Training.

Abhinav Sharma
Independent Director

Sharma is a CFA Charter holder from CFA Institute, USA and a certified Financial Risk Manager from Global Association of Risk Professionals, USA. He received his MBA(Finance) from ICFAI Business School, Hyderabad and his B.A(Hons) Economics from Delhi University.His focus area is Debt Funding (Bank Loans, Project Finance,NCDs, Securitization, Cross border transactions) and Strategic Consulting (Risk Management, Credit Administration Systems, RBI Compliance,Capital Structure, Strategic Growth Planning.) He is also on the board of Manba Finance Limited.

Colonel Navin Sharma (Retd)
Chief Operating Officer

Mr Navin Sharma is a Military Veteran with over 30 years of rich service experience in various facets of Operations, HR, Leadership and Finance. He is a Graduate of the Defense Services Staff College, Wellington and has held important command & staff appointments at various hierarchical levels. An avid mountaineer, he served as an instructor at the prestigious High-Altitude Warfare School.He recently completed his Business Management Course from IIM Indore.

 

Mr. Pallav Majumdar
Training and Audit Head

Majumdar is an MBA and hasa certificate in microfinance from IIBF.With over 15 years of experience in learning and development across sectors (insurance, NBFC and pharma), Pallav has expertise in the areas of competency mapping and leadership development. Prior to Capital Trust, he has worked with Eli Lilly Ranbaxy, ICICI Lombard, L&T Insurance &Arohan Financial Services.

Commander Manish Kundu (Retd)
Service Quality Head

Commander Kundu is an alumnus of the prestigious Indian Naval Academy. He has put in 12 years of glorious service to the nation during which he been awarded 3 Commendation Cards for meritorious service. He graduated in Computer Applications from Punjab University, Chandigarh and did his Post Graduate in International Logistics and Supply Chain from Symbiosis Institute of Management Studies, Pune. The officer has also been nominated to undergo a course at prestigious Centre for UN Peacekeeping, on Logistics and Staff Functions.

Mr. Vinod Raina
CFO and Head-Compliances

Mr Raina is a qualified Company Secretary and Law Graduate with over 15 years of experience in the areas of Legal Compliances, 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 in organizations in the IT Services, Management Consultancy, Manufacturing and Financial sector.

Mr. Gaurav Gaba
Legal Head

Gaba has over 15 years of work experience in the legal domain including litigation, compliance, contract drafting and legal recovery. In his past assignments he was associated with ICICI Lombard, Reliance, Edu Smart Services Pvt. Ltd, Indiabulls Housing Finance Limited andFrankfinn Institute of Airhostess in various capacity. He has been conferred with the degree of law (LL.B.) from M.J.P. Rohilkhand University in 2004 and he is a Licentiate Member of Insurance Institute of India.

Ms. Tanya Sethi
Company Secretary

Ms. Sethi is a qualified Company Secretary with over 8 years of experience. She has done her graduation in commerce from University of Delhi and has a Master’s in Business Program and Corporate Governance from Indira Gandhi National Open University. Her association with Capital Trust includes taking care of Statutory and Regulatory compliances

Mr. Mukesh Aggarwal
Deputy Chief Operating Officer

Mr. Aggarwal is a practicing Chartered Account and Company Secretary. He is a commerce graduatewith more than 12 years of experience in credit. He has worked with organizations like Citibank, DHFL and HSBC prior to joining Capital Trust. He has been working with the company December 2016 and has been instrumental in the company’s shift towards more advanced data analysis and machine learning

Mr. Sukumara Pillai
Chief Accounts Officer

The longest serving employee of Capital Trust, Mr. 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.

Mr. Vahin Khosla
Senior Vice President – Finance

Having done his schooling from The Doon School, Vahin Khosla graduated as a Roberts Day Scholar from Claremont Mckenna College, USA. He was selected into an accelerated 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. He is an avid football player having represented club’s at international levels.

Mr. Mihir Chakraborty
Business Head

Mr. Chakraborty is an MBA from IMT Ghaziabad. He holds 16 years of experience in consumer lending and insurance in sales and business development. He has an expertise in retail sales, alternate channel, credit policy framework and setting up new states and regions for business. Mr. Chakraborty has worked with Muthoot Fincorp Ltd, Ujjivan Small Finance Bank, Vistaar Finance, Fullerton India Credit Co Ltd and Bajaj Allianz.

Mr. Karan Singh
Recovery Head

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 27 years. He joined the company as Assistant Auditor and has risen to the ranks of Recovery Head through his hard work, dedication and loyalty to the company. As Recovery Head, he is responsible for overall collections of the branches.

Mr. Yuv Vir Khosla
Assistant Vice President – Business

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.