#1回回, TOI >Capital Trust Merging New-Age Fintech with Traditional Lending CAPITAL TRUST LIMITED Q1 FY2022 INVESTOR PRESENTATION August 2021#2Disclaimer Capital Trust Certain statements in this document that are not historical facts are forward looking statements. Such forward- looking statements are subject to certain risks and uncertainties like government actions, local, political or economic developments, technological risks, and many other factors that could cause actual results to differ materially from those contemplated by the relevant forward-looking statements. Capital Trust Limited will not be in any way be responsible for any action taken based on such statements and undertakes no obligation to publicly update these forward-looking statements to reflect subsequent events or circumstances. 2#3TABLE OF CONTENTS COMPANY OVERVIEW 04-11 COMPETITIVE ADVANTAGES 12-17 DIGITAL JOURNEY 18-20 RURAL DOORSTEP-FINTECH 21-26 FINANCIALS 27-36 KEY PARTNERSHIPS 37-39 CAPITAL IMPACT 40-41 Capital Trust#4NIRMA NIRMA Capital Trust LUCKLE COMPANY OVERVIEW#5Capital Trust - Financing with a Tech-Touch Balance Company Snapshot • Being India's first "Rural Doorstep-Fintech Company," we are focused on providing financial inclusion services to underserved India by merging fintech and traditional financing. Our digitized rural financing model offers income generating micro loans to MSMEs and caters to over 116403 customers across 73 districts through 244 branches in 10 states in India. CALU Our Vision To become the first fully digitalised and most trusted consumer service point in rural India that redefines the rules of MSME financing. ZALJU PALJU ano8 no8 Capital Trust Our Mission To encourage self-sufficiency and entrepreneurship in the underserved part of India by using 'low-cost, high-tech' digital finance processes. 5 As we continue to address the growing capital needs of the underserved markets of India, we have reached a tipping-point in our digital transformation journey, propelling us into the next phase of growth to help us serve more customers, better.#6Capital Trust - Numbers at a Glance PORTFOLIO 337 Cr 6 M Q Capital Trust NET WORTH 117 Cr CAPITAL ADEQUACY GROSS NPA* 45.2% 3.8% NET NPA 0.0% BRANCHES 244 EMPLOYEES 1728 *Stage 3 ECL Assets 6#7Capitalising on the Underserved Market Opportunity Capital Trust UPPER MIDDLE LOWER MIDDLE ASPIRERS DEPRIVED 1% *NCAER-CMCR Annual Income Data **IFC Report on MSMEs (Nov 2018) 5% 7% 30% 57% Annual Household Income >17 Lakh 7 * 10-17 Lakh Banks and MSME Focused NBFCs * 3.5-10 Lakh 2-3.5 Lakh Capital Trust Limited Debt Shortfall in Micro of MSME: 87 Lakh Crore ($117Bn) ** <2 Lakh Microfinance Institutions#8Target Audience Graduated from Microfinance 8% of the Microfinance clients graduate yearly from the Microfinance sector and hit a wall ☑ MISSING MIDDLE New to Organized Credit Replacing traditional informal sources of financing (local moneylenders) which currently account for 84% of all financing to MSMEs 'Micro' of the MSME Unserved by MFIs (owing to RBI guidelines) and banks / large NBFCs (owing to no formal income documentation) Clients Needing Instant Credit With 100% digital processes, company is able to disburse loans in a matter of hours from onboarding 80 Capital Trust#9Our Clientele Capital Trust Kirana Stores Dairy and Livestock Farmers Grocery Vendors राजनाथ Small Eateries Textile Stores Handicraft Manufacturers Utility Stores Salons Flower Vendors 9#10Increasing our Reach in Rural India 40 11 12 branches opened in Eastern UP in Q1 FY22 31 65 26 29 10 8 20 10 Capital Trust#11Capital Digital Initiative: Our Products Addressing a wide spectrum of customers, across needs and affluence Product Name Type of Loan Ticket Size (*) Tenure ROI Repayment Capital Magic Loan Micro Business Loan Capital Trust Unsecured Digital Business Loan Unsecured Digital Business Loan 30,000 40,000 12-18 months 40% Digital followed by physical cash collection Why CTL? 60,000 24 months 32% Digital followed by physical cash collection - Branch banking Ease of getting loan Unsecured loan - Multiutility business loan · Human connect - Quick turnaround time - Paperless Process - Small Ticket Size - Short Tenure Production Optimization - Transparency with connect app - Optimal EMI amount - Short Turn-Around-Time - High Yield - Digital Collection Enabled - Full Cash Collection Setup - Geo-tagged and Analytics backed 11#12COMPETITIVE ADVANTAGES Vikram Vikram Vikram బాలిక O 00 B 425 O 0 b భావిక C C O C احا e Whavily Vikram Vikram. Vikram Vikram Vikram. Vikram. Vikram- livery Fa Very ruse 9 Vikram J Vikram AP $ Vikram بیمار Vikram... جار A B B Vikram... Vikram AP e Vikram AP B Vik All B V AP B 100° Vikram Vikram Re Very Fast Ver Fast Veg Fast Capital Trust N AP AP AP RASHREE#13Creating a Competitive Advantage to Increase Stakeholder Value 1. Unique Business Model . With a deep understanding of target customer segments, lean cost structures and differentiated business models we cater to underserved segments of the economy. Our one-of-a-kind business model finds the perfect balance between technology and traditional financing, something not many other companies can do. 2. Technology Driven Operational Efficiency • . By leveraging technology to penetrate underserved segments, we have capitalized on the inability of banks to rapidly scale operations and customize rigid policies in regard to providing business loans in rural India. This transformation is helping us create an agile and scalable business model. Q Investing in Capital Trust E Capital Trust 3. Prudent Risk Management • Our conservative thought process towards financial engineering has helped us transform underwriting and decision making, thereby, helping drive competitive advantage and robust risk management. • Further, our risk management frameworks pro-actively detect, manage and mitigate internal and external risks. 4. Strong Governance • Being a publicly listed NBFC for the last 35 years, we have built a robust governance model to maintain stakeholder trust and improve resilience to survive in testing times. • This has enabled us to develop strategic partnerships with key ecosystem players and leverage technology for meeting the demands of new consumers. 13#141. Unique Business Model Financing the Overlooked Void MSME TICKET SIZE UNSECURED SECURED Capital Trust ANNUAL INCOME > * 10 Lakh New Age Fintechs Large SME Funding NBFCs / Banks > 10 Lakh *1Lac-10 Lakh Geographical Specialized MSME NBFCS Product Specialized MSME NBFCs *3.5-10 Lakh 30,000-1Lac Capital Trust Microfinance 20,000 60,000 NBFC-MFIS Only player offering unsecured individual business loans in the ticket size of 30,000 - 1 Lac 14 2-3.5 Lakh <*2 Lakh#152. Technology Driven Operational Efficiency Enabling Improved Disbursements & Collections 73% 79% 75% 91% 90% 91% 91% 88% 88% 81% 65% Capital Trust 100% 100% 100% 100% 100% 100% 100% 96% 95% 96% 94% 54% 50% 53% 60% 57% 46% 48% 54% 45% 35% Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21 Apr-21 May-21 Jun-21 Jul-21 Companywide Collection Efficiency Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21 Apr-21 May-21 Jun-21 Jul-21 New CDL Collection Efficiency* --Digital Collection as % Age of Collection** With our newly developed automated disbursement engine and algorithmic credit scorecard, our disbursements have increased consistently. Further, our turnaround time has improved to 48 hours as on Q1 FY21. *Capital Digital Loans disbursed post April 2020 (automated credit engine backed) ** Collection % when bank clearance data is received (NACH clearance + Advance collection) 15#163. Prudent Risk Management Conservative ALM Practices and Diversified Funding Book BC, 11% PTC, 5% Term Loan, 28% DA, 16% CC, 2% ICD, 4% NCD, 10% OD, 10% Instruments Sub-Debt, 14% Capital Trust DFI, 5% Public Sector Banks, 23% NBFC, 14% DIVERSIFICATION ACROSS... Funders Private Sector Banks, 58% Asset Liability Position Update* Q1FY22 (Actual) Q2FY22 (Expected) Q3FY22 (Expected) Q4FY22 (Expected) Quarterly Collections (** Cr.) 73.3 80.3 66.6 47.7 Quarterly Repayments (* Cr.) 53.8 55.2 50.8 37.6 Quarterly Surplus (** Cr.) 19.5 25.1 15.8 10.1 Monthly Surplus (* Cr.) 6.5 8.4 5.3 3.4 * Assuming no incremental disbursements 16#174. Strong Governance Capital Trust Being a Publicly Listed Systemically Important NBFC, We Try to Create Sustainable Value for Stakeholders BOARD 1. Mr. Yogen Khosla 2. Mr. Sanjv Syal 3. Mr. Govind Saboo 4. Mr. Pawan Dubey 56 5. Mr. Vahin Khosla 6. Ms. Suman Kukrety Accountable for overall management and performance MANAGING DIRECTOR & CEO Mr. Yogen Khosla Delegate management of day-to-day affairs COMPANY SECRETARY Reporting/accountability of corporate governance, Board and management matters Manage strategy, business plans and policies approved by Board Stakeholder Relationship Audit & Risk Management Committee Committee Corporate Nomination Internal Auditor Social and Responsibility Committee Remuneration Committee External Auditor Reporting EXECUTIVE TEAM Management and oversight Reporting EMPLOYEES Governance at Capital Trust is designed to align our purpose and value creation model to seize market opportunities and to create sustainable value. In this spirit, the Board provides leadership to drive integrated thinking and formulate requisite strategies to direct the Company to its desired aspiration. 17#18DIGITAL JOURNEY भगवती Capital Trust#19Pioneers of Digital Transformation in Rural India Ready to Capture Next Phase Of Growth in Evolving Rural Ecosystem Capital Trust More Rural Internet Users (277 Mn) than Urban (227 Mn): Indian internet is more rural and local than ever Growing 3x Faster Than Urban India: Ready to capture rural digital growth as one of the first in the industry to introduce 100% digital processes Capital Trust Registering 45% Growth in Internet Usage: With digital focus; best in class technology and analytics we have 100% paperless processing 19 18% Growth in Rural Smartphone Penetration: Poised to make most of upcoming potential with no manual processes and clients more mobile first than ever#20Evolution of Capital Trust's Digital Business Model Capital Trust 2015 2016 2017 2018 2019 2019 2020 2020 2021 NOW Decision to go 100% Cashless Disbursements (First in rural industry) Issuance of Geo-Tagged Digital Receipts rather than physical passbook signing (First in rural industry) Decision to go 100% Cashless Collection as first mode of payment (First in rural industry) Incorporation of Al Enabled Credit Engine (automated decision making with credit scoring of borrower. Done on Income, Credit History and Debt servicing capacity) Launch of Al Enabled Geo-Tagged Client Route Mapping for increased operational efficiency Launch of Capital Sales smartphone app with real-time information at staff fingertips (First in rural industry) Launch of client-facing Capital Connect smartphone app (First in rural industry) Start of 100% paperless processes: no physical signature required from sourcing to disbursement (First in rural industry) PROACTIVE RATHER THAN REACTIVE: Introduction of Al Enabled Physical Visit Engine (automated income input analysing client industry, sales and margin) RURAL DOORSTEP-FINTECH COMPANY Capital Trust is emerging as Thought and Innovation leaders capturing the changing rural landscape 20#21E RURAL DOORSTEP- FINTECH PROCESSES Capital Trust#22Meaning: Rural Doorstep-Fintech 2. HYBRID CREDIT UNDERWRITING QR Code scan of Aadhaar Card Automated credit bureau check Physical Verification of business and residence premise Business and cash flow analysis Physical Visit Engine Credit Engine Telephonic Verification 18 4. COLLECTION Automated client allocation based on client geo-tagged residence Automated outbound dialling, installment reminder message Monthly NACH payment Payment enabled through company app Cash collection if digital payment not received 22 Capital Trust 1. LEAD GENERATION Generate lead by door to door canvasing Geotagging of business and residential premise Mobile number verification through OTP Handholding of client through digital onboarding 3.DIGITAL DISBURSEMENT E-Sign / Signing of Terms and Conditions E-NACH Penny-drop verification Disbursement into bank account DIGITAL PROCESS PHYSICAL PROCESS#233 Pillars of Capital Trust 1. TECHNOLOGY Use of Technology for faster, confidential, transparent and better enhancement of credit profile with low risk and better returns 2. HYBRID DUAL CREDIT Automated credit (credit bureau checks and preset algorithms) supplemented with Traditional Safeguards of Branch Banking (physical verification of residence, business premise and cash flow analysis) O ₹ 23 Capital Trust 3. BUSINESS INTELLIGENCE Use of Advanced Statistical Models and predictive analysis before sanctioning a loan and after for performance evaluation#241. Technology Cashless Disbursement & Collection Automation of Daily Cash Book Through Digital Receipts Staff Facing and Client Facing Applications Digitalized HR Onboarding Paperless Processes O (p) Capital Trust One of the first NBFCs to start cashless disbursement of all loans since 2015 and cashless collection as primary mode of repayment since 2019 Automated closing of company and all branch books at 6PM daily through collation of issued Digital Receipts (SMSs sent to client on collection of any repayment) Staff and client-facing smartphone applications with access to all details regarding the loan to promote transparency and authenticity All new staff onboarding through paperless, digitalized processes with joining formalities done within hours 100% paperless processes. From onboarding to disbursement all processes are digitalized and through the application with no scope of any manual input into system 24#252. Hybrid Dual Credit Instant in-principal approval by automated credit decisioning system with no manual intervention at client doorstep. Final approval subject to positive physical verification of cash flow and disposable income Capital Trust Disbursement QR Code Scanning of Aadhaar By Field Team Automatic uploading of client data into system. Location geo- tagged and case rejected if client residence is beyond 20kms from branch Automated Credit Bureau Check Link-up with Equifax to review past credit history. Hard rejection in case of negative credit bureau history Physical Verification by Field Credit Team Ground level authentication by physical verification of home, business and income. All details uploaded into app Algorithmic Credit Rule Engine & Physical Visit Engine Automatic rejection in case of any deviation from prescribed credit policies Telephonic Verification by HO Credit Team Verification of documents uploaded into system and re-assessment of cash flow of client during call No exceptions or manual intervention permitted Decision communication flow and all processes are automated Technology used at all stages of loan cycle eliminating requirement of physical movement of documents All processes time stamped and tracking of cases available on live basis 25 25#263. Business Intelligence Capital Trust CREDIT ENGINE Automated decision making with Credit Scoring of the borrower based on Income, Credit History and Debt servicing capacity. The engine calibrates regional differences in performance using pin-code level data PHYSICAL VISIT ENGINE Enablement of Independent Credit Officer's data entry with backend automated decision making. System automatically calculates Household Income based on standardized business size, industry margin and expected expenses STAFF ENGINE Integrated tool for real time monitoring of current staff availability and projected staff sufficiency at branch level by looking at past attendance this engine predicts staff shortfall in times to come 26 C DISBURSEMENT ENGINE Developed Real-Time system of automated controls on disbursement to avoid risk build up in branches. This engine helps monitor internal and external parameters and ensures automatic stoppage of branch/staff disbursement where collection parameters fall below a prescribed level#27Capital Trust Zespri Crice FINANCIALS#28Product-Wise Portfolio 555 Cr 555 *795 Cr 725 Cr 795 11 FY 17 FY 18 *471 Cr 401 Cr Capital Trust 337 Cr 723 338 235 194 FY 19 Capital Digital Initiative* *Started 2019: Further split into Capital Magic, Micro Business Loan **Stopped in 2019: Further split into Microfinance, Micro-Enterprise, Secured-Enterprise Loan 28 166 134 143 FY 20 Legacy Portfolio** FY 21 Q1FY22#29State-Wise Portfolio *555 Cr 48 *795 Cr 725 Cr 62 37 Capital Trust 272 165 *471 Cr * 401 Cr 337 Cr 99 12 106 50 115 6 65 25 90 52 83 257 65 72 21 22 57 22 43 70 48 70 62 151 33 189 99 80 31 66 86 71 82 82 85 68 FY 19 FY 20 FY 21 BIH PUN ☐ ODI MP ☐ RAJ UP JH UKH CH DEL Q1FY22 37 FY 17 FY 18 29 29#30Portfolio Quality Stage 3 ECL 17 17 3.4% 1.1% 9 14 4.3% 7.5% 22 8% 7.1% 7% 14 4.8% 6% 5% 3.8% 4% 10 10 3% 22 22 27 90+ 37 35 35 33 32 2 2.4% 1.9% 2% 4.7% 5 3.4% 1% Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Stage 3 ECL Stage 3 ECL % Own book data of Stage 3 ECL; Own + Off book data of 90+ Company has restructured *33 Cr portfolio 0% Capital Trust (in Crores) 18% 52 16% 15.3% 14% 12% 10% 29 8.7% 7.7% 7.5% 7.5% 6.4% 8% 7.5% 7.2% 6% 4.6% 11 4% 7 2.8% 2.1% 3 4 2.1% 5 2% 10.8% 0.1% 0% Companywide 90+ Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Capital Digital Initiative 90+ Companywide 90+% Capital Digital Initiative 90+% 30#31Portfolio Quality - New Capital Digital Loans Robust portfolio quality of loans which have disbursed post April 2020 (automated credit engine enabled) Capital Trust (** in Crores) Total Disbursed: * 152.0 Cr Portfolio Outstanding: 94.5 Cr 30+ DPD: 2.8% 90+ DPD: 0.3% 0 -0.0% Q1FY21 22 22 Q2FY21 New Capital Digital Loans 72 Q3FY21 .90+ 31 5% 105 95 4% 0.2% Q4FY21 3% 2.8% 2% 1% 0.3% 0% Q1FY22 30+#32Outstanding Provisions Capital Trust Cumulative Provisions of 55.6 Crores which accounts for 21.9% of the On-Balance Sheet Portfolio (** in Crores) Particulars Standard Provisions (Stage 1 & 2) Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 As on 31.03.2021 Q1 FY22 6.8 6.5 5.8 4.4 4.4 4.7 COVID & Other Provisions (Including Stage 3) 13.7 16.0 6.8 31.1 31.1 50.9 Cumulative Provision Balance 20.5 22.5 12.6 35.5 35.5 55.6 Impairment Charged to P&L 5.9 1.7 4.2 23.5 35.3 20.1 32#33Key Highlights & Ratios Asset Under Management (in Crores) Net Worth (in Crores) Capital Trust 631 577 162 155 155 157 158 157 509 471 467 131 430 427 122 117 401 337 II II II II Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Capital Adequacy Ratio (%) Leverage (in X) 3.5 46.7% 47.9% 49.8% 51.2% 46.6% 45.2% 2.5 41.6% 37.1% 2.1 2.0 1.8 1.9 1.6 1.6 25.5% 1.5 ||||||||| Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 || Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 33#34Key Highlights & Ratios Borrowings ( in Crores) Cost of Borrowing (%) Capital Trust 428 386 324 272 255 234 237 259 228 | | | | | | Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 14.1% 14.2% 14.2% 13.2% 13.4% 13.1% 13.1% 13.0% 13.1% | | | | | | | | | Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Net Interest Margin (%) (Annualised) 14.2% 12.1% 12.1% 11.6% 10.7% 11.0% 9.6% 8.2% 7.8% Operating Cost to AUM Ratio (%) (Annualised) 15.9% 16.9% 15.1% 12.4% 13.0% 14.5% 10.8% 7.9% 9.2% Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 34#35Quarterly Consolidated P&L Update Q1FY22 Capital Trust (* in Crores) Particulars Q1 FY22 Q1 FY21 YoY % Q4 FY21 QoQ% Total Income 22.8 28.2 -19% 28.1 -19% Total Expense (excluding tax) 41.7 25.4 64% 61.5 -32% Profit/Loss before tax -19.0 2.8 -779% -33.3 -43% Profit / Loss after tax -13.8 2.1 -757% -26.2 -47% Net Worth 116.9 156.6 -25% 130.7 -11% Micro-Business Loan 75.9 97.8 -22% 86.8 -13% Capital Magic Loan 67.5 38.3 76% 79.4 -15% Capital Digital Initiative 143.4 136.1 5% 166.2 -14% Micro-Enterprise Loan 184.9 280.5 -34% 222.0 -17% Secured Enterprise Loan 4.4 22.6 -81% 5.4 -19% Microfinance Loan 4.7 27.6 -83% 7.5 -37% Legacy Portfolio 194.0 330.7 -41% 234.9 -17% Total Assets Under Management (AUM) 337.4 466.8 -28% 401.1 -16% On-Book Portfolio 254.4 328.4 -23% 280.5 -9% Off-Book Portfolio 83.0 138.4 -40% 120.5 -31% Total Assets Under Management (AUM) 337.4 466.8 -28% 401.1 -16% 35#36Quarterly Consolidated Balance Sheet Update June 21 Capital Trust (* in Crores) Assets June-21 Mar-21 Mar-20 Liabilities And Equity June-21 Mar-21 Mar-20 Financial Assets Financial Liabilities Cash and Cash Equivalents 27.2 38.5 34.4 Trade Payables 0.5 0.5 0.8 Bank Balances other than cash & 41.1 40.9 29.2 Debt Securities 44.0 55.5 0 cash Equivalents Borrowings other than Debt Trade Receivables 1.3 1.7 0.6 137.3 156.6 226.4 Securities Deposits 0 0 0.3 Loan Portfolio 196.3 242.6 304.5 Subordinate Liabilities 44.8 44.8 44.7 Investments 41.5 41.0 37.9 Lease Liabilities 0.2 0.2 2.1 Other Financial Assets 5.8 5.3 13.7 Other Financial Liabilities 6.1 9.8 20.2 Total Financial Assets 313.3 370 420.2 Total Financial Liabilities 233.0 267.5 294.5 Non-Financial Liabilities Current Tax Liabilities (Net) 0.1 1.2 0 Non-Financial Assets Provisions 1.5 1.4 1.2 Current Tax Assets (Net) 3.5 2.9 2.3 Other Non-Financial Liabilities 4.9 7.5 2.2 Deferred Tax Assets (Net) 35.6 30.3 23.8 Total Non-Financial Liabilities 6.5 8.9 3.3 Property, Plant and Equipment 1.8 1.9 2.2 Right to use Asset 0.2 0.2 1.8 Equity Intangible Assets 0.1 0.2 0.1 Equity Share Capital 16.2 16.2 16.2 Other Non-Financial Assets 1.8 1.6 1.9 Other Equity 100.7 114.5 138.2 Total Non-Financial Assets 43.1 37.1 32.1 Total Shareholders Fund 116.9 130.7 154.5 Total Assets 356.4 407.1 452.3 Total Liabilities and Equity 356.4 407.1 452.3 36#37Capital Trust KEY PARTNERSHIPS#38Long-Term Funding Partnerships IDFC FIRST Bank Capital Trust XCELLENCE THROUGH ENDEAVOUR MAS FINANCIAL SERVICES LTD. Dhanvarsha Capital Trust ML Smart Financing MSME Client through Business Correspondent Relationship Benefits of Long-Term Funding Secured Enables Raise Of On-Tap Funding Increase Of ROE I Equity At Right Time I 38 Leveraging Partner's Balance Sheet#39Equity, Debt & Direct Assignment Partnerships Capital Trust Equity: 1 LIGHTHOUSE DREAM DARE SCALE | CARE Public Sector Banks: 5 8 Bank of India State Bank of India UCO BANK Private Sector Banks: 2 IDFC FIRST Bank HDFC BANK DFI / NBFCs: 9 OIKO CREDIT SHRIRAM City MONEY WHEN YOU NEED IT MOST POONAWALLA FINANCE Samunnati 39 Union Bank of India SIDBI SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CELLENCE THROUGH ENDEAVOUR MAS FINANCIAL SERVICES LTD MAGMA smc Moneywise. Be wise. U GRO CAPITAL NABKISAN FINANCE LIMITED A.Subsidiary of NABARD (Formerly Agri Development Finance (Tamilnadu) Limited)#40CAPITAL IMPACT ACCEPTED BY WOMEN ORLDWIDE humchums Fund up BHARAT CLOTH EMP 23 24 25 26 27 28 2 >Capital Trust#41Capital Plus Working with a Double-Bottom Line mission, company does a lot of good on ground level Capital Trust Increase in financial discipline Facilitating financial inclusion of the unbanked and un-serviced Mitigation of financial volatility 41 Encouragement of self-sufficiency and entrepreneurship Financial Literacy#42Capital Trust Vinod Raina Chief Financial Officer [email protected] Vahin Khosla Executive Director [email protected] THANK YOU DICKENSON Pushpa Mani/Vikash Verma IR Consultants Email: [email protected] Contact no.: +91 9911684123/9664009029