{"id":23482,"date":"2022-02-14T13:43:28","date_gmt":"2022-02-14T08:13:28","guid":{"rendered":"https:\/\/tradebrains.in\/features\/capital-trust-limited-4\/"},"modified":"2022-02-14T14:02:30","modified_gmt":"2022-02-14T08:32:30","slug":"capital-trust-limited-4","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/features\/capital-trust-limited-4\/","title":{"rendered":"CAPITAL TRUST HAILS RETURN OF NORMAL OPERATING ENVIRONMENT DESPITE 3rd WAVE IN ITS Q3 &#038; 9MFY22 FINANCIAL RESULTS"},"content":{"rendered":"<div class=\"trade-content_2\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3614840888\"><p><a href=\"https:\/\/tradebrains.in\/get\/telegram\/\"><img decoding=\"async\" class=\"alignnone wp-image-101992\" src=\"https:\/\/tradebrains.in\/features\/wp-content\/uploads\/2023\/01\/telegram-channel-300x119.png\" alt=\"\" width=\"148\" height=\"59\" \/><\/a> <a href=\"https:\/\/news.google.com\/publications\/CAAqBwgKMN3Epgswxc--Aw?hl=en-IN&amp;gl=IN&amp;ceid=IN%3Aen\"><img decoding=\"async\" class=\"alignnone wp-image-123430\" src=\"https:\/\/tradebrains.in\/features\/wp-content\/uploads\/2024\/05\/follow-on-google-news-300x82.png\" alt=\"follow-on-google-news\" width=\"222\" height=\"61\" srcset=\"https:\/\/tradebrains.in\/features\/wp-content\/uploads\/2024\/05\/follow-on-google-news-300x82.png 300w, https:\/\/tradebrains.in\/features\/wp-content\/uploads\/2024\/05\/follow-on-google-news-150x41.png 150w, https:\/\/tradebrains.in\/features\/wp-content\/uploads\/2024\/05\/follow-on-google-news.png 468w\" sizes=\"(max-width: 222px) 100vw, 222px\" \/><\/a><\/p>\n<\/div><p>&#8211; Disbursements in Q3 grew 21% QoQ to INR 548.8 Million, adding 17,219 new customers for the Q3  &#8211; PAT in Q3 grew by 10% QoQ to INR 9.58 Million with collections at 104% in December 21  NEW DELHI, Feb. 14, 2022 \/PRNewswire\/ &#8212; Capital Trust Limited (Capital Trust), a digitally enabled non-banking finance company (NBFC), specialising in providing rural digital loans in Tier III to V regions through its fintech based direct access and 315 branches, spread across 94 districts in 10 states, with ticket size of loans ranging from ~INR 5,000 to INR 60,000, has announced its financial results for the quarter and nine months ended 31st Dec 2021.<\/p><div class=\"trade-content_7\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1339374288\"><!-- Composite Start --> \r\n <div id=\"M923760ScriptRootC1549812\"> \r\n <\/div> \r\n <script src=\"https:\/\/jsc.mgid.com\/t\/r\/tradebrains.in.1549812.js\" async> \r\n <\/script> \r\n <!-- Composite End --><\/div>\n<p> Particulars (In INR Millions)  Dec-21  Dec-20  YoY%  Sep-21  QoQ%  Assets Under Management (AUM)  3,118.9  4,268.1  -27%  3,108.1  0.3%  Total Disbursement  548.8  546.6  0.4%  455.1  21%  Net Interest Income  142.4  124.0  15%  127.9  11%  Profit After Tax  9.6  -4.15  &#8211;  8.7  10%  GNPA (%) *  8.3%  10.6%  -217 bps  7.1%  120 bps  NNPA (%)  0.0%  0.5%  -49 bps  0.0%  &#8211;  Capital Adequacy **  41.3%  51.2%  -991 bps  42.6%  -132 bps  Debt-to-Equity  2.0  1.5  33%  2.0  0.4%  *Retrospectively changed post November 2021 RBI Circular  **Including investment in wholly owned subsidiaries     Commenting on the performance, Mr. Yogen Khosla, Managing Director, Capital Trust Limited, said, &#8220;The quarter saw near normal operating environment despite the Omicron variant as now people are getting adjusted to the new normal of living along the COVID-19. Disbursements for the quarter grew at healthy rate of 21% QoQ on account of improvement in overall macro environment and further aided by our strategic branch expansion &#038; focus on technology advancement. We have added 17,219 new customers during the quarter, implying a growth of 39% QoQ.<\/p>\n<p> Our strong focus on rural doorstep fintech model has led to sharp improvement in collections which picked up significantly from 89% in Oct 21 to 104% in December 21 and is further expected to improve during Q4FY22. Our long-term funding partnership with the leading financial institutions is in line with our capital asset light model which will assist us in expanding our Asset under Management without further leveraging our balance sheet.<\/p>\n<p> The Company enjoys adequate liquidity position with cash and cash equivalent of INR 1,030 million and a strong balance sheet which makes it well-positioned and agile to achieve growth over the medium to long term, while the demand is expected to rebound sharply as economic activities are further expected to improve going forward. While we remain committed to the long-term sustainable growth to create value for our stakeholders, our key focus remains is on maintaining the quality and profitability of our portfolio. We have successfully navigated through the turbulent times and have emerged stronger with the learnings achieved during the period. We are well poised and confident to capture the ample growth opportunities in the sector.&#8221;   Consolidated Financial Highlights      \u2022 Average collection efficiency for Q3 FY22 was 92% for the company     \u2022 Net worth as on 31st Dec 21 was at INR 1,187.61 million     \u2022 Finance cost declined by 5.5% QoQ to INR 70.76 million in Q3 FY22 from INR 74.86 million in Q2 FY22     \u2022  Total Provisions:         \u2022 Outstanding for the year stood at INR 574.78 million         \u2022 ECL provision INR 180.52 million and COVID related provision INR 394.26 million     \u2022 Strong liquidity position with INR 1,029.53 million in cash\/bank balance, liquid investments, and fixed deposits     \u2022 Total operational branches as on December 31, 2021 stood at 315 covering 94 districts across 10 States     \u2022 Business Correspondent Partnership ties ups with IDFC First Bank, MAS Financials, Dhanvarsha Finvest and OML P2P.<\/p><div class=\"trade-content_5\" id=\"trade-312975915\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-4023722985638610\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- in_content_2_news -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-4023722985638610\"\r\n     data-ad-slot=\"7925020301\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p> Portfolio Distribution   Particulars (In INR Millions)  Q3 FY22  Q3 FY21  YoY%  Q2 FY22  QoQ%  Digitally Enabled Collection Products  Total Capital Digital Initiative *  1,420  720  97%  1,146  24%  Cash Collections Products  Total Legacy Portfolio  1,699  3,548  -52%  1,962  -13%  Total Assets Under Management (AUM)  Total Assets Under Management (AUM)  3,119  4,268  -27%  3,108  0.4%   \t \t \t \t \t  On-Book Portfolio  2,658  2,900  -8%  2,549  4%  Off-Book Portfolio  461  1,368  -66%  559  -18%  *Disbursed post FY20 (automated credit engine backed)   \t \t \t \t \t  About Capital Trust Limited  Capital Trust Limited (BSE: 511505) (NSE: CAPTRUST), an RBI registered non-banking finance company (NBFC), offers income generating micro loans to MSMEs. Merging best practices of fintech and traditional financing, the company focuses on financial inclusion of the underserved in deep interiors of rural India using digital processes and state of the art technology. Capital Trust caters to over 1,02,739 customers across 94 districts through 315 branches in 10 states in North and East India. The Company prides itself to be India`s first &#8220;Rural Doorstep-Fintech&#8221; company. For more information visit www.capitaltrust.in.<\/p>\n<p>   PWR PWR<\/p>\n<div class=\"trade-after-content\" id=\"trade-3711019044\"><div id=\"taboola-below-article-thumbnails\"><\/div>\r\n<script type=\"text\/javascript\">\r\n  window._taboola = window._taboola || [];\r\n  _taboola.push({\r\n    mode: 'alternating-thumbnails-a',\r\n    container: 'taboola-below-article-thumbnails',\r\n    placement: 'Below Article Thumbnails',\r\n    target_type: 'mix'\r\n  });\r\n<\/script>\r\n<script type=\"text\/javascript\">\r\n  window._taboola = window._taboola || [];\r\n  _taboola.push({flush: true});\r\n<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>&#8211; Disbursements in Q3 grew 21% QoQ to INR 548.8 Million, adding 17,219 new customers for the Q3 &#8211; PAT in Q3 grew by 10% QoQ to INR 9.58 Million with collections at 104% in December 21 NEW DELHI, Feb. 14, 2022 \/PRNewswire\/ &#8212; Capital Trust Limited (Capital Trust), a digitally enabled non-banking finance company [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[31],"tags":[],"class_list":["post-23482","post","type-post","status-publish","format-standard","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.5 (Yoast SEO v25.0) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>CAPITAL TRUST HAILS RETURN OF NORMAL OPERATING ENVIRONMENT DESPITE 3rd WAVE IN ITS Q3 &amp; 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