- CP Capital is a specialised lending company that also owns a portfolio of income-generating real estate - a “lending-plus-real-asset” platform built from the retained earnings of a three-decade education business. It was born from a fundamental restructuring that merged its in-house NBFC (non-banking financial company) into the parent, and rebranded the remaining company as a pure financial-services and real-asset play. The recurring approach is conservative: it lends against property and other security, funds almost everything from its own equity rather than heavy borrowing, and collects rent from investment properties it already owns - a model designed to generate two distinct income streams from one balance sheet.
Business segments
Two engines that share one balance sheet - a secured-lending book that generates interest income, and a portfolio of investment properties that throws off rent - both funded primarily by the company’s own net worth.
1. Secured lending: the interest-income engine
The company lends mostly against property and NBFC receivables, keeps debt extremely low, and earns interest as its primary revenue stream.
- Loans backed by hard collateral - the core product is a loan against residential or commercial property, typically for business expansion or working capital; this single product made up over half the active loan portfolio in FY25.
- Lends to other NBFCs too - it provides facilities to partner NBFCs secured by their underlying loan receivables and strengthened with corporate or personal guarantees, which indirectly widens its borrower reach without building a retail branch network.
- Short-term bridge loans for niche needs - it also offers bullet-repayment or EMI-based facilities with shorter tenures, secured or unsecured depending on the borrower’s credit profile, for time-sensitive financing that mainstream banks are too slow to serve.
- Funded by its own net worth, not heavy borrowing - total borrowings were just over ₹77 crore against a net loan book of roughly ₹442 crore as of March 2026, giving it a debt-to-equity ratio of 0.13x; net worth covers more than 80% of total assets.
- Underwrites with more than a credit score - credit assessment combines CIBIL scores with field verification of the property, analysis of banking behaviour, income stability, and the borrower’s business profile, so it can lend to small business owners and entrepreneurs that traditional banks often overlook.
2. Real estate and infrastructure assets: the rental-income engine
The company owns investment properties and collects recurring rent, creating a second revenue stream that does not depend on lending volumes.
- A tangible asset base that pays rent - investment property valued at roughly ₹171 crore generates the rental and infrastructure income that contributed about 23% of consolidated revenue in FY26.
- Held through a dedicated subsidiary - the rental income flows through Career Point Infra Limited, a wholly-owned subsidiary that also holds investments in two step-down entities and has entered a partnership to undertake real-estate development projects.
- A cushion across cycles - because the rental income comes from owned property rather than trading or development gains, it provides a steady stream alongside the lending book’s interest income, giving the company a diversified revenue mix from the same balance sheet.
Group structure and partners
The company is the product of a clean split: the old education business was demerged into a separate listed entity, the in-house NBFC was merged up into the parent, and the remaining company was renamed and relicensed as a pure financial-services platform.
- A three-way court-approved restructuring - under a Composite Scheme of Arrangement sanctioned by the NCLT, the NBFC subsidiary Srajan Capital was merged into the parent, and the entire education business was simultaneously demerged into Career Point Edutech Limited, with an appointed date of April 1, 2023 and an effective date of April 1, 2025.
- Shareholders got one-for-one shares in the new education company - for every share held in CP Capital, shareholders received one fully paid-up equity share in Career Point Edutech, with the original cost of acquisition apportioned roughly 99% to CP Capital and 1% to the education entity.
- Fresh NBFC licence under the new name - following the restructuring, the company was renamed CP Capital Limited and received a fresh RBI registration as a non-deposit taking NBFC - Investment and Credit Company, effective April 1, 2025.
- A lean group with one subsidiary and two step-down subsidiaries - the structure today comprises the subsidiary Career Point Infra Limited (which holds the real-estate assets), two step-down subsidiaries under it, and one associate company.