Capital Trust Limited has announced its unaudited financial results for the third quarter of FY26, reporting a net loss of ₹243.11 lakhs compared to a profit of ₹5.88 lakhs in the corresponding quarter of the previous year. The company's board of directors approved these results at their meeting held on February 14, 2026.

Financial Performance Overview

The company's financial performance showed significant challenges during the quarter ended December 31, 2025. Total income declined substantially to ₹1,129.61 lakhs from ₹2,519.82 lakhs in the same quarter last year, representing a notable decrease in revenue generation.

Revenue Breakdown and Operational Challenges

The company's revenue from operations was impacted across multiple segments. Interest income decreased to ₹508.91 lakhs from ₹1,698.67 lakhs in the previous year quarter. Fees and commission income also declined significantly to ₹106.39 lakhs compared to ₹514.15 lakhs in Q3FY25.

Nine-Month Performance and Capital Raising

For the nine months ended December 31, 2025, the company reported a net loss of ₹2,863.80 lakhs compared to a profit of ₹102.50 lakhs in the corresponding period of the previous year. Total income for the nine-month period was ₹3,275.58 lakhs against ₹7,505.78 lakhs in the previous year.

The company successfully completed a Rights Issue of 1,70,09,702 equity shares at ₹14 per share, raising ₹2,381 lakhs. The issue opened on October 20, 2025, and closed on November 11, 2025, with shares listed on November 14, 2025.

Regulatory Impact and Business Strategy

Capital Trust reported an exceptional item of ₹91.47 lakhs due to the implementation of New Labour Codes effective November 21, 2025. This one-time impact resulted from increased gratuity liability due to changes in wage definitions. The company noted its cautious approach to disbursements due to collection challenges in the unsecured lending sector, focusing on developing its Gold Loan product platform.