Strategy

The Company has significant experience in originating and servicing small business loan portfolios to consumers and businesses for over 25 years in urban areas. This experience was leveraged to launch its operations in the rural market successfully in three Indian states. Since 2008, Capital Trust has refined best practices and developed scalable processes and systems to carry out its growth plans.

Capital Trust partnered with Intellecash, a subsidiary of Intellecap, for developing tools, skills and knowledge that were required to create a scalable and sustainable model. Intellecash provided on-ground technical support for a year, which helped in kick-starting Capital Trust's rural operations and reducing the gestation period. The fruitful association enabled the company devise and develop it's process manuals, training modules and business model.

Management fine-tuned the proven Joint Group Liability model to deliver a low cost product to the rural market. Individual lending is also undertaken for local shopkeepers with a weekly repayment structure.

In addition, the Company has streamlined its operational model by having paperless and cashless branches and continues building cutting edge centralized MIS and plans to leverage mobile technologies to increase its outreach to clients.