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Capital Trust
SectorFinancial Services
The Quarter story
The two most recent quarterly results, compared side-by-side.
Capital Trust has repaired asset quality and reached breakeven, but growth is shifting off-balance-sheet while the on-book balance sheet remains small.
Total AUM grew from ₹167 Cr in Q1 FY26 to ₹300 Cr in Q2 FY27 — book expansion
Off-book portfolio rose from ₹92.8 Cr in Q1 FY26 to ₹210.7 Cr in Q1 FY27 — growth is mostly off-balance-sheet
Gross NPA fell from 9.1% in Q1 FY26 to 2.5% in Q2 FY27 — cleaner assets
Total assets shrank from ₹180.1 Cr in Q1 FY26 to ₹105.2 Cr in Q1 FY27 — balance sheet still smaller
MSME AUM rose from ₹74 Cr in Q1 FY26 to ₹205 Cr in Q1 FY27 — core segment expansion
Other equity fell from ₹60.7 Cr in Q1 FY26 to ₹27.8 Cr in Q1 FY27 — retained capital weakened
Capital adequacy rose from 25% in Q1 FY26 to 40% in Q1 FY27 — stronger buffer
Total income moved from ₹12.6 Cr in Q1 FY26 to ₹12.3 Cr in Q1 FY27 — revenue has not scaled with AUM
Profit after tax swung from -₹8.3 Cr in Q1 FY26 to +₹0.2 Cr in Q1 FY27 — breakeven
Debt-to-tangible-net-worth rose from 0.6x in Q1 FY27 to 1x in Q2 FY27 — leverage back to prior level