Capital Trust Limited has officially announced its strategic entry into the gold loan market through a press release dated April 04, 2026, marking a significant expansion of its lending portfolio. The listed NBFC, with over 250 branch locations and four decades of experience in financial services, is positioning itself as a new-age challenger in the rapidly growing gold loan segment.

Strategic Market Entry and Compliance-First Approach

The company's entry into the gold loan market represents a strategic shift towards secured lending to build a safer and more resilient business model. As outlined in the press release, Capital Trust has built its gold loan operations from the ground up in line with the latest RBI guidelines, adopting a forward-looking, compliance-first approach from inception.

Technology-Driven Infrastructure and Security

Capital Trust has invested significantly in modern branch infrastructure, technology, and security systems. The company has deployed an advanced eight-layer security architecture across its gold loan branches, operating on a fully app-based, paperless model with minimal manual intervention and centralized monitoring from the Head Office.

According to Mr. Yogen Khosla, Chairman & Managing Director, "Our entry into secured lending through the gold loan business represents a strategic shift towards building a safer, more resilient and capital-efficient lending model. Secured lending will play an important role in strengthening our balance sheet, improving asset quality and creating a more stable and sustainable growth platform for the future."

Delhi NCR Expansion Plans

As part of its expansion strategy, Capital Trust has opened its fourth gold loan branch, including its second branch in Gurgaon. The company plans to scale operations across Delhi NCR in the near future before expanding to other markets. This geographic expansion is expected to strengthen the company's market presence in one of India's key financial markets.

Partnership and Growth Strategy

In addition to deploying its own balance sheet, Capital Trust already has a live co-lending partnership with an NBFC and is actively exploring co-lending and partnership opportunities with banks and financial institutions. This approach aims to accelerate portfolio growth while maintaining prudent risk management and capital efficiency.

The company's modern branch format differs significantly from traditional cage-style gold loan branches and is designed to enhance customer experience, safety, operational efficiency, and risk control. This technology-enabled approach positions Capital Trust to leverage its strong governance framework and long-standing customer relationships to build a meaningful presence in the gold loan industry.

Yogen Khosla has significantly increased his shareholding in Capital Trust Limited through participation in the company's rights issue, as disclosed in a regulatory filing under SEBI's Substantial Acquisition of Shares and Takeovers (SAST) Regulations.

Shareholding Enhancement Details

The acquisition has resulted in a substantial increase in Khosla's ownership stake in the company. The transaction was completed through subscription to the rights issue, which qualifies for exemption under SEBI regulations.

Regulatory Compliance Framework

The acquisition was made under the exemption provisions of Regulation 10(4)(a) and 10(4)(b) of the SEBI SAST Regulations, 2011. These regulations provide specific exemptions for acquisitions made through rights issues, allowing existing shareholders to increase their stakes without triggering mandatory open offer requirements.

The disclosure was filed pursuant to Regulation 10(6) of the SAST Regulations, which mandates reporting of acquisitions made under exemption provisions. Capital Trust Limited's shares are listed on both BSE and NSE, with scrip code 511505 and symbol CAPTRUST respectively.

Transaction Structure

The shares were allotted pursuant to subscription in the rights issue, representing a standard method for existing shareholders to maintain or increase their proportional ownership in the company. The filing indicates that no prior disclosure under Regulation 10(5) was required for this transaction, as it falls under the exempted category of rights issue participation.

This acquisition demonstrates Khosla's continued confidence in Capital Trust Limited's prospects and his commitment to maintaining a significant stake in the company's future growth trajectory.