Capital Trust Ltd declares no encumbrance on promoter shares in FY26

capital trust has confirmed that no encumbrance was created or invoked on the shares held by its promoters during the financial year ended March 31, 2026. This declaration, submitted on behalf of the promoters and promoter group, ensures that the shareholding remains free from charges or liens for the specified period. The disclosure is significant for shareholders as it indicates the stability of the promoter's holding structure.

The declaration was made pursuant to Regulation 31(4) of the SEBI (Substantial Acquisition of Shares and Takeovers) Regulations, 2011. The filing was addressed to the National Stock Exchange of India Ltd and BSE Ltd. The submission was signed by Yogen Khosla, a promoter of the company, on April 06, 2026.

Regulatory Compliance Details

The disclosure specifically covers the financial year ended March 31, 2026. It confirms that no direct or indirect encumbrance was created or invoked on the shares held by the promoters or the promoter group during this timeframe.

Parameter	Details
Regulation	SEBI (Substantial Acquisition of Shares and Takeovers) Regulations, 2011
Specific Clause	Regulation 31(4)
Period Covered	Financial year ended March 31, 2026
Encumbrance Status	No encumbrance created or invoked
Filing Date	April 06, 2026

The communication was also copied to the audit committee through the Company Secretary of Capital Trust Limited.

1 Day	5 Days	1 Month	6 Months	1 Year	5 Years
+2.39%	-0.15%	-1.63%	+13.31%	-78.74%	-85.64%

Capital Trust Limited reported a net loss of ₹1,818.67 lakh for FY26, primarily due to a one-time non-cash deferred tax asset write-off of ₹18.3 crore. Despite the annual loss, the company restored operational profitability in Q4FY26 with a Profit Before Tax (PBT) of ₹0.13 crore. This turnaround follows a strategic pivot to a secured and partnership-led lending model, funded by a ₹23.8 crore rights issue that closed in November 2025.

The board approved the audited financial results for FY26 at a meeting held on May 27, 2026. The statutory auditors, JKVS & Co., Chartered Accountants, issued an unmodified opinion on the standalone audited financial results. Total income for the quarter ended March 31, 2026, stood at ₹960.10 lakh, compared to ₹1,129.61 lakh in the preceding quarter. For the full year, total income was ₹2,094.25 lakh, while total expenses were ₹2,082.92 lakh.

Financial Results for FY26

Particulars	Q4FY26 (₹ in Lakhs)	FY26 (₹ in Lakhs)
Total Income	960.10	2,094.25
Total Expenses	1,038.70	2,082.92
Net Profit/(Loss)	(1,818.67)	(1,818.67)
Basic EPS (Rs.)	(5.35)	(5.35)

Operational Metrics and Asset Quality

The company reported a total AUM of ₹158 crore, comprising ₹32.8 crore on its own book and ₹125.2 crore managed. Secured and zero-credit-risk AUM reached ₹89.0 crore, representing 56% of the portfolio. Gross NPA reduced significantly from 9.1% in Q1FY26 to 2.8% in Q4FY26, while Net NPA stood at 0%. Total borrowings decreased to ₹24.2 crore, resulting in a leverage ratio (Debt/TNW) of less than 1× and a capital adequacy ratio (CRAR) above 35%.

Disbursements showed strong growth, totaling ₹89.4 crore in Q4FY26, which is 4.5 times the disbursements in Q3FY26. This increase was driven by gold loan branch launches and the progressive rollout of BC partnerships. Monthly disbursements grew from ₹1.9 crore in October 2025 to ₹43.1 crore in March 2026.