#### **Overview** Capital Trade Links Limited (CTL) is a **BSE-listed** (Scrip Code: 538476) and **Reserve Bank of India (RBI)-registered** Non-Banking Financial Company (NBFC), established in **1984**. Since obtaining its NBFC license in **2001**, CTL has evolved into a technology-driven financial institution focused on **inclusive finance**, offering credit and advisory services to underserved and low-income populations, small entrepreneurs, and corporate entities. As a **non-deposit-taking, non-systemically important NBFC (NBFC-ND-NSI)**, CTL operates with flexibility in product structuring and funding, relying primarily on **market-based capital** rather than traditional bank borrowing. --- #### **Core Business & Services** CTL offers a diversified portfolio of **technology-enabled financial solutions**, including: - **Lending Products**: - Personal Loans (including collateral-free, digital personal loans) - Business Loans (SME-focused) - Corporate Bridge Loans - Loans Against Property (LAP) - Vehicle Loans (including E-Rickshaw and E-Vehicle financing) - Consumer Durable Loans - **Financial Advisory & Capital Raising**: - SME IPO Consultancy - Financial Planning - Capital Investment Solutions - Fund-Raising Advisory The company leverages digital platforms for fast, efficient, and secure loan disbursement, with ticket sizes ranging from **INR 1 lakh to INR 15 crores** and tenures from **3 to 36 months**. --- #### **Technology & Innovation** CTL has made significant strides in **digital transformation** to enhance operational efficiency and borrower experience: - **Pulse Platform**: A proprietary technology platform launched to enable **real-time intelligence, predictive analytics, risk oversight, and operational agility**. - **AI & Machine Learning**: Deployed through partnerships with fintech firms and internal systems for **automated credit assessment, risk modeling, and personalized loan offerings**. - **Digital Lending Platform – UrgentCash**: Launched in 2020, this app- and web-based platform (**urgentcash.in**) enables **instant approval and disbursement of personal loans** with minimal documentation and mobile-only management. - **Geographical Tagging App**: Introduced in 2024 to enable secure **expansion into rural areas** through real-time borrower location tracking. CTL’s digital strategy emphasizes **speed, scalability, and financial inclusion**, positioning it as a modern and agile player in India's evolving fintech ecosystem. --- #### **Strategic Partnerships & Collaborations** CTL has actively partnered with leading **fintech startups** to scale its digital lending footprint: | Partner | Date | Focus | |-------|------|-------| | **Upkram Technologies Pvt. Ltd. (UTPL)** | Sep 2022 | Joint venture to scale nationwide operations using a digital loan platform for product design, underwriting, and collections | | **AFG Business Solutions** | Mar 2022 | App-based small-ticket loans using data analytics for credit assessment | | **Mahila Money Pvt. Ltd.** | Mar 2022 | Empowering women with digital credit lines via app; uses ML-based risk models | | **Funddo (Areeva Products)** | Feb 2022 | Digital lending to small business owners using big data | | **Finsall Resources Pvt. Ltd.** | Feb 2022 | Short-duration employee loans and credit lines | | **Creditech Technology** | Feb 2022 | Digital retail lending using big data and AI | | **Adhikosh Financial Advisory** | Feb 2022 | Digital platform for small-ticket personal loans and credit lines | These collaborations allow CTL to access vast customer networks, leverage advanced risk assessment tools, and expand into underserved markets. --- #### **Diversification & Strategic Investment** In August 2024, CTL diversified beyond financial services by acquiring a **15% equity stake** in **Big Tree Resource Management Private Limited**, a **Gurgaon-based HR tech startup**. - **Big Tree** specializes in: - Recruitment Process Outsourcing (RPO) - Payroll & Staffing Solutions - HR Automation & Skilling - AI-powered candidate screening with a resume database of **5.5+ million** - Serves **100+ clients** across **17 states** via **500+ deployment points** and a partner network of **500+ BTPs** This strategic investment signals CTL’s intent to expand into **adjacent sectors** and build an ecosystem around entrepreneurship and workforce development. --- #### **Funding & Capital Growth** - In **November 2022**, **State Bank of India (SBI)** sanctioned a **INR 10 crore term loan** (39-month tenure, 3-month moratorium) to CTL. - The funds are earmarked for: - Increasing the **loan book to over INR 100 crores** (FY 2022–23) - Scaling the **Electric Vehicle (EV)** and **Loan Against Property (LAP)** segments - Expanding branch infrastructure --- #### **Market Position & Industry Role** - CTL is recognized as a **complementary player to the traditional banking sector**, particularly for **MSMEs and individuals** excluded due to stringent bank eligibility norms. - Benefits from **rising credit demand** in the MSME sector and the shift toward **digital lending**, UPI, neo-banking, and digital KYC. - Positioned to capitalize on the **fintech revolution** and modular credit delivery models. --- #### **Governance & Leadership** - Headquartered in **New Delhi** - Led by a **professional board** with expertise in finance, banking, and corporate governance - Strong focus on **ethical lending**, client assessment standards, and **customized repayment structures** --- #### **Summary – Key Highlights (as of Nov 2025)** | Parameter | Detail | |--------|--------| | **Founded** | 1984 | | **RBI Registration** | 2001 (NBFC-ND-NSI) | | **Listed on** | BSE (Scrip: 538476) | | **Headquarters** | New Delhi | | **Operational States** | 5 (Delhi, UP, Uttarakhand, Rajasthan, Gujarat, Maharashtra) | | **Core Focus** | Inclusive finance, technology-driven lending | | **Customer Segments** | Low-income individuals, micro-entrepreneurs, SMEs, corporates | | **Technology Platforms** | Pulse, UrgentCash.in, AI/ML risk models, geo-tagging | | **Strategic Partnerships** | 7+ fintech collaborations since 2021 | | **Strategic Investment** | 15% stake in Big Tree (HR Tech) – Aug 2024 | | **Future Target (by 2030)** | 1M+ customers, 12+ states, scaled AUM |