Capital Trust Limited Rights Issue 2025: Complete Details for Investors
Capital Trust Limited, a leading non-banking financial company (NBFC) focused on rural and semi-urban lending, has announced its Rights Issue for 2025 to strengthen its capital base and support future business growth.
This article provides a detailed breakdown of the issue price, record date, rights ratio, subscription timeline, and objectives, along with insights into the company’s financial position and prospects.
About Capital Trust Limited
Capital Trust Limited (NSE: CAPITALT / BSE: 511505) is a Delhi-based NBFC established in 1985, engaged in microfinance and MSME lending. The company operates across multiple states in India, providing small-ticket loans to micro-entrepreneurs, self-employed individuals, and small businesses in underserved regions.
Over the years, Capital Trust has developed a phygital model—combining technology-driven loan disbursals with on-ground customer engagement through field officers.
Rights Issue Details (Tentative)
| Particulars | Details |
|---|---|
| Issue Type | Rights Issue |
| Issue Size | Issue of 1,70,09,702 Fully Paid-Up Equity Shares aggregating up to Rs. 2,381.36 Lakhs |
| Issue Price | ₹14 per share (face value ₹10) |
| Rights Entitlement Ratio | 1:3 (1 rights share for every 3 shares held) |
| Record Date | October 2025 |
| Issue Opens | 20-October-2025 |
| Issue Closes | 11-November 2025 |
| Last Date for On-Market Renunciation | 6-November 2025 |
| Allotment Date | 13-November 2025 |
| Listing on | BSE, NSE |
(Note: Tentative details based on regulatory filings and exchange updates.)
Objectives of the Rights Issue
Capital Trust aims to utilize the proceeds from the rights issue for the following purposes:
- Capital infusion to strengthen Tier-I capital base.
- Funding future loan disbursals in semi-urban and rural markets.
- Reducing debt burden and improving leverage ratios.
- Enhancing digital lending platform and data analytics infrastructure.
- General corporate purposes and contingency reserves.
Financial Performance Snapshot
| Particulars | FY23 | FY24 | Q1 FY25 |
|---|---|---|---|
| Revenue (₹ Cr) | 195 | 218 | 62 |
| Net Profit (₹ Cr) | 14 | 19 | 6 |
| Net NPA (%) | 2.3 | 1.9 | 1.7 |
| CAR (%) | 22.1 | 23.6 | 24.0 |
Capital Trust has shown steady improvement in profitability and asset quality, supported by effective risk management and strong rural demand recovery.
Management Commentary
According to company filings, management emphasized that the Rights Issue will “fortify the balance sheet and enhance lending capacity” to meet the increasing demand for credit among rural entrepreneurs.
The company also highlighted ongoing digital transformation initiatives to improve customer onboarding, credit scoring, and real-time monitoring.
Investor Eligibility
Only existing shareholders of Capital Trust Limited as on the record date will be eligible to apply for the rights shares. Eligible shareholders can:
- Apply fully or partially for their entitlement.
- Renounce (transfer) their rights to other investors via the stock exchange during the trading window.
- Apply for additional shares beyond their entitlement, subject to availability.
Why This Rights Issue Matters
With India’s rural credit market expanding and NBFCs gaining traction, Capital Trust’s decision to raise capital through a rights issue is strategically aligned with growth in micro and MSME lending.
This move will:
- Improve leverage position
- Strengthen liquidity
- Boost future lending operations
- Support digital and operational expansion
Risks to Consider
- Dependence on rural income and weather-linked sectors
- Regulatory changes affecting NBFC lending
- Competition from fintech and small finance banks
- Potential rise in borrowing costs
Investors should assess their risk appetite and long-term horizon before participating.
How to Apply for the Rights Issue
- Log in to your trading or demat account (Zerodha, Groww, Angel One, etc.).
- Navigate to the “Corporate Actions → Rights Issue” section.
- Select Capital Trust Limited and enter the number of shares.
- Pay the required amount through net banking or ASBA.
Alternatively, investors can apply through registrar links provided by the company and stock exchanges.
Expert View
Market analysts view Capital Trust’s Rights Issue as a positive capital strengthening step. With improving financial metrics and growing rural lending demand, the issue could help enhance shareholder value in the medium to long term.
However, investors are advised to monitor quarterly performance and credit quality before making fresh commitments.
Conclusion
The Capital Trust Limited Rights Issue 2025 offers existing shareholders an opportunity to participate in the company’s next growth phase at a reasonable valuation.
With a focus on rural credit expansion, digital adoption, and capital strengthening, Capital Trust continues to position itself as a key player in India’s NBFC landscape.
Quick Facts Recap
- Issue Size: Issue of 1,70,09,702 Fully Paid-Up Equity Shares aggregating up to Rs. 2,381.36 Lakhs.
- Price: Rs. 14 per Equity share
- Issue Opens 20-October-2025
- Issue Closes 11-November 2025
- Entitlement Ratio: 1:3
- Listing: NSE, BSE
(Disclaimer: Recommendations, suggestions, views and opinions expressed by experts are their own. Investors are advised to consult certified financial advisors before making any investment decisions.)
