About Us

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HISTORY

Incorporated in 1985, Capital Trust Limited is a Non-Banking Finance Company with over 30 years in the financial services industry. Promoted by some of the most prominent bankers of its time, including Mr. K R. Puri (former Governor, RBI), Mr. R.K. Kaul (former Deputy Governor, RBI)  and Justice H. S. Beg (former Chief Justice of India), Capital Trust Limited has a history of having represented over 25 international banks, having had Joint Ventures with Kinetic for two-wheeler financing and Joint Ventures with DBS Bank of Singapore for Stock Broking. In September 2016, Capital Trust acquired a NBFC-MFI which is now operating as a 100% owned subsidiary of the company

In 2008, Capital Trust Limited stopped its prior consultancy services and ventured into the foray of Microfinance. With the change in RBI regulations regarding NBFCs in 2012, Capital Trust started focusing on providing capital to the unbanked individuals in the MSME sector. However, by becoming Yes Bank Limited’s Business Correspondent in 2014, Capital Trust Limited became one of the few companies in the country that could span both, the Microfinance and the MSME Industry. 

MISSION & VALUES

Capital Trust Limited aims to be the go-to financial institution for the unbanked population in the near future. Through its focus on client satisfaction, Capital Trust plans to encourage self-sufficiency and entrepreneurship in the millions of clients that it serves.

 

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BOARD MEMBERS

  • Yogen Khosla
    Yogen Khosla
    Managing Director
  • Anju Khosla
    Anju Khosla
    Director
  • Sachin Bhartiya
    Sachin Bhartiya
    Nominee Director
  • Sanjiv Syal
    Sanjiv Syal
    Independent Director
  • Nikhel Kochhar
    Nikhel Kochhar
    Independent Director
  • Colonel Vijay Kumar Dhawan (Retd.)
    Colonel Vijay Kumar Dhawan (Retd.)
    Independent Director

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LEADERSHIP TEAM

YOGEN KHOSLA

MANAGING DIRECTOR

Mr. Yogen Khosla is a commerce graduate from Loyola College, Chennai.
He introduced the company into retail lending of Micro loans in rural and semi
urban areas in 2008. He has led the company to being adjudged as to one of the top 100 Small and Medium Enterprises in India by India SME Forum in 2017.
Amarjit Singh

Amarjit Singh

Chief Operating Officer

Mr Amarjit Singh  is a seasoned Retail Banker having 28 years of Banking and Micro Finance  sector. He holds an MBA(Finance) degree from Faculty of Management Studies,Delhi University.  He is B.Com, L.L.B & CAIIB.  He has started his professional journey as Probationary Officer with Allahabad Bank  in Dec 1989.  He has an excellent  and consistent track record in the business and revenue growth.  he has and  been one of  the founder team members of UTI Bank,now Axis Bank and spent 15 years in various roles right  from Branch Operations Head to Extn counter in charge to Branch Head to Zonal Retail Liability Head (North Zone) to Circle Head Punjab to Head Business operations, Axis securities(wholly owned subsidiary of Axis Bank.   He has set up 180 Bank branches in Punjab during his 4 years tenure as Circle Head.

Before joining Capital Trust as  President and Head MEL and MFL, he was Senior Vice President and  Zonal Head West Zone and North Zone during his stint of approx 2 and half years where in addition to managing Micro Finance Business, he set up the Banking infrastructure  from scratch at West Zone with Janalakshmi.

Mr. Rahul Malik

Mr. Rahul Malik

CFO
Mr. Rahul Malik is a Chartered Accountant with experience of over 20 years with a history of working in the investment banking industry. He is skilled in Financial Structuring, Project Finance, Credit Advisory, Corporate Finance, Banking, Credit Analysis and Syndications, having substantial experience of fund raising across the sectors viz. Roads, Power including thermal & renewable, hospitality, real estate, manufacturing, etc. His last assignment was Senior Vice President – Debt Structuring and Distribution at IL&FS Financial Services Limited.
Amit Kumar

Amit Kumar

Chief Strategy Officer
Amit is a seasoned HRBP professional with 15+ years of work experience, 8 years in leadership role. His last assignment was with Ujjivan Small finance Bank Ltd where he was leading the regional leadership team and was driving the transformation of organization from a NBFC MFI to a Small Finance Bank for the region. He was designated as Regional Head HR – North India and also had an additional responsibility of Head – regional leadership team for northern India. Amit had lead and represented the PMO ‘s for People initiatives, system and capacity building for next level in his last assignment. Prior to Ujjivan he was associated with Coca Cola India, JK Organizations, Hindware and Rahimafirooz (Bangladesh).

 

Amit holds an MDP certification from IIM Ahmedabad. He is a dual graduate, he has graduated from JNVU in the stream of Arts also holds a B.Sc. IT degree from Manipal University. Amit has completed his Post Graduation in Business Management with dual specialization in Marketing and HR from INMENTEC.

Vahin Khosla

Vahin Khosla

AVP Finance

Having done his schooling from The Doon School, Vahin Khosla graduated as a Roberts Day Scholar from Claremont Mckenna College,California. He was selected into an accelerate program where he received his Bachelor’s degree in Economics-Accounting and his Master’s degree in Finance simultaneously. Prior to working with Capital Trust, he worked at Davita Healthcare Partners in their Corporate Finance team.

Mukesh Aggarwal

Mukesh Aggarwal

Head - Credit
Mukesh Aggarwal is a Commerce graduate, Chartered Accountant and Company Secretary with more than 12 years of experience in credit with the organizations like Citi, DHFL and HSBC. He has been with us since December 2016 and is looking after the credit portfolio of the Company..
Vinod Raina

Vinod Raina

Legal and Compliance Head

Vinod Raina is a qualified Company Secretary and Law Graduate with over 15 years of experience in the areas of Legal Compliances & management, litigation, Secretarial Functions, Financial Management, Fund Raising, Statutory Compliances, Treasury, Corporate Governance, taxation, accounts and Liaison Work. Vinod has got variety of experience while working organizations in IT Services, Management Consultancy, Manufacturing and Financial sector.

Tanya Sethi

Tanya Sethi

COMPANY SECRETARY

Tanya is a qualified Company Secretary with over 5 years of experience. She has done her graduation in commerce from University of Delhi and has Master’s in Business Program and Corporate Governance from Indira Gandhi National Open University. Her association with Capital Trust Limited includes taking care of Secretarial area, Statutory and Regulatory compliance including that of Reserve Bank of India, Stock Exchange etc. and communication with various stakeholders

Pallav Majumdar

Pallav Majumdar

Training Head

Pallav Majumdar is MBA with certificate in microfinance from IIBF.
With over 15 years of experience in learning & development across sectors (insurance, NBFC & pharma), Pallav has worked in the areas of competency mapping, leadership development programme and train the Trainers. Prior to Capital Trust he has worked with Eli Lilly Ranbaxy, ICICI Lombard, L&T Insurance & Arohan.

Isha Walia

Isha Walia

Audit Head
Ms. Isha has 12 years of work experience and her last assignment was with Ujjivan Small Finance Bank Ltd. She was responsible for managing the Internal Audit Function of the region with special emphasis on Audit Planning & Execution and enhancing existing policies. She was designated as Regional Manager Operation Risk & Compliance at Ujjivan Financial Services.

 

Ms. Isha hails from Delhi and has completed her graduation from Delhi University. She holds a MBA Finance degree and has done her Masters in Social Work. She also has a certification in Microfinance from IIBF & holds AML certification.

Karan Singh

Karan Singh

Operations Head

Karan Singh is a political science graduate from Jamiya, Delhi and has been involved in the day-to- day functioning of the company for the last 15 years. As Operations Head, he is the link between the ground level and the Head Office and tries ensuring that not only monthly portfolio targets are met, but also that the quality of the portfolio is of supreme standards.

Sukumara Pillai

Sukumara Pillai

Chief Accounts Officer

The longest serving employee of Capital Trust, Sukumara Pillai has been with the company since its inception in 1985. He graduated from Kerala University in 1980 with a degree in commerce and is responsible for the accounts and MIS reporting. He also coordinates with Statutory and Internal Auditor of the Company, submitting statutory reports to the Reserve Bank of India and Income Tax Department.

Yuv Vir Khosla

Yuv Vir Khosla

AVP Business

Yuv Vir Khosla graduated as the Head Boy of The Doon School, Dehradun. He went on to receive a Bachelor of Arts degree from Williams College, a liberal arts college in the USA, with a double major in Economics and History. He has previously interned at 3i Debt Management in New York and Cantor Fitzgerald in Hong Kong. Yuv also holds a private pilot license.

Shiv Khanna

Shiv Khanna

Recovery Head
Mr. Shiv has around 4 years of work experience and his last assignment was with Ujjivan Small Finance Bank Ltd.

In his last assignment he was responsible for handling 20 cluster managers, 210 officers and 2 back end employees. He held the designation of Area Collection Manager at Ujjivan Small Finance Bank Ltd.

He is basically from Delhi and has completed his graduation in BTECH CS from Maharshi Dayananad University and he holds an MBA Marketing degree from IBS. He is also a C language certified professional.

Surender Singh Ranga

Surender Singh Ranga

Operations Head
Mr. Surender Singh Ranga has 27 years of work experience and his last assignment was with Axis Bank which includes 2 years of entrepreneurship with Zeoveda Herbals.

In his last assignment he was responsible for Government Business, Retail Business & Bank Branching. He was designated as Business Development Manager at Axis Bank.

He is basically from Haryana and has completed his graduation from MD University, Rohtak & has done MBA in Banking Management. He has certification in Forex Management & Intensive Rural Banking from BoB Staff College, Ahmedabad.

Mr. K A Raju

Mr. K A Raju

Chief Risk Officer
Mr. K A Raju is a Post Graduate in Commerce with experience in banking and financial services industry. Prior to joining the company, Mr Raju was Vice President with IIFL Home Finance Ltd and in the past associated with Tata Capital Ltd, Bank of Bahrain & Kuwait, Standard Chartered Bank, Citibank N.A, Bank of Punjab Ltd, SBI Home Finance Ltd in various positions across the country. In his career spanning 23 yrs, he has worked across various verticals and was part of Credit underwriting, Compliance, Audit, Sales & Collections and has extensive experience in Housing, Mortgage & SME divisions. In his role, he developed  and implemented  robust business plans with a focus on building a strong credit team with a culture of high performance, transparency and accountability.

With a passion for teaching, he has interests in learning & development and was a regular visiting faculty to State Bank Staff College and was identified as CAP Guru for Tata Capital’s Learning & Development program. He also is a guest faculty for  Mgt Institutes  for sharing industrial experiences in the Financial industry. He has been sponsored for a Management Development Program at IIM Kolkotta.

He is married to Mrs Indira who is a home maker and have one son Mr Pushkar who is pursuing his Engineering. In Spare time he loves to listen to Music and traveling.

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Awards & Accolades

Article in Insight Success - Oct 2017

Article in Dalal Street - Sep-Oct 2017

Article in Businesswise - May 2017

Top 10 Most Admired Financial Leaders 2017 - Insight Success

India SME Certificate & Award

Yogen Khosla
Managing Director
Mr. Yogen Khosla is a commerce graduate from Loyola College, Chennai.
He introduced the company into retail lending of Micro loans in rural and semi
urban areas in 2008. He has led the company to being adjudged as to one of the top 100 Small and Medium Enterprises in India by India SME Forum in 2017.
Anju Khosla
Director

Mrs.Anju Khosla graduated from Delhi University and has a Masters degree in Business Economics. She joined Capital Trust in 1989 and was initially involved with the Consultancy division. Subsequently, she handled an authorized dealership for Honda two wheelers for 3 years, which was acknowledged as the second best dealership in North India

Sachin Bhartiya
Nominee Director

Mr. Sachin Kumar Bhartiya is a Partner at Lighthouse Funds. Prior to Lighthouse, he held senior positions at Infrastructure Leasing & Financial Services (IL&FS); GE Capital (India); and Industrial Development Bank of India (IDBI), where  he led and managed more than USD 2.0 billion of transactions. Mr. Sachin Kumar Bhartiya is a Director of Bikaji Foods, Dhanuka Agritech, Indian Herbs, and Unibic Foods and also the Co-Founder of Gitanjali Express, a C.A. club. He earned a Bachelor of Commerce from the University of Calcutta and is a Chartered Accountant.

Sanjiv Syal
Independent Director

Mr. Syal is a practicing Chartered Accountant with an experience spanning over 25 years in consulting and accountancy. Prior to setting up his accountancy practice in 2001, he set up and managed a leasing finance Company ABL Leasing for 9 years. He is also founder & NonExecutive Director in a software development company focussed on eLearning solutions Compro Technologies. He has been a catalyst in start up of many successful projects in the BPO, IT & Financial Services space. Some of the successful startups where he has played a role include Yatra online, RAC, Gulliver Travels, DMI Finance & Cisco Systems Capital.

Nikhel Kochhar
Independent Director

Mr. Nikhel Kochhar is a Practicing Chartered Accountant and at present in CEO – India Internal Auditors Association. He is also Member of the Indian Public Schools Society (IPSS) and Member Selection Committee for appointment of Board Members.

His area of interest is Internal Controls & Audit, Risk Management, Corporate Governance, Organizational Systems & Processes and Corporate & Institutional Training.

Colonel Vijay Kumar Dhawan (Retd.)
Independent Director

Mr. Vijay Kumar Dhawan is a retired colonel from the Indian army. He has held various important appointments in the Army, including GSO 1 (Ops) of Northern Command and Secretary to Principal Personnel Officers Committee. After an illustrious career in the Army, Col Vijay Dhawan took pre-mature retirement in 2008 and joined the corporate world looking after Training and Development in HCL Infosystems Ltd. The exposure in HCL has given him a deep insight into the functioning of the corporate world. He joined the Board in 2013. He is also a Principal Consultant with Franklin Covey South Asia.